Frequently Asked Questions

Do I still need insurance?

YES! We encourage members to maintain insurance coverage, at least catastrophic, in order to cover the expense of sudden and unanticipated health events including hospitalization. Your insurance may also be used to pay for services provided by outside vendors for imaging, labs, consultations, brand name medications and procedural contraceptives, and vaccines. You may be able to choose a higher deductible plan to go along with your membership. There is also medical cost sharing plans available.

What we offer at Kozmic Care is healthcare, with an emphasis on the care. We can take care of 80 – 90% of your medical needs. If you need assistance finding an insurance plan that pairs well with your membership, please contact us.

Can I use an HSA or FSA card for payment?

Yes – both HSA and FSA cards are accepted. You can also opt to pay from your checking account or personal credit card and arrange for your HSA/FSA account to reimburse you directly. It is your responsibility to check with your specific company regarding their requirements.

What is included in my monthly membership?

The monthly membership covers unlimited office visits without copays. Feel free to visit us in our office, call us when you need us, text us, or email us. You can schedule your annual wellness exam, receive basic office procedures, and optimize your health while under our care. Our members will also have access to at-cost laboratory testing, at-cost imaging services, as well as whole-sale medications.

Is there a commitment for Kozmic Care?

No. There is no commitment. You can cancel at any time. We ask that you give us a written 30 day notice of cancellation. If you decide to rejoin after cancelling, you will need to pay the re-enrollment fee.

What if I need to see a specialist?

First, we use a wide variety of tools to help you with any diagnosis. As family medicine specialists, we are trained in a broad and diverse methods of caring for any diagnosis. The biggest tool that we have is time – time to read and understand about your diagnosis and do our best work for you.

We also have a tool called RubiconMD, where we can take your symptoms and story, and any diagnostic work (labs, imaging) that we perform in our office, and send it to any specialist that we need to employ to help us answer your clinical question at no cost to you. We can send your case to psychiatry, dermatology, cardiology, orthopedics, etc… there’s over 200 board-certified specialists on the platform that can help us with your diagnosis or treatment.

Next, if you have PPO insurance, we can refer you to any doctor in your PPO network. If you are uninsured, we have a list of specialist doctors like cardiologists, ophthalmologists, or dermatologists that offer cash pricing for their medical services.

Finally, if you have an HMO insurance plan, we could attempt to make a referral on your behalf to a specialist in your HMO network. About half of the time, our referrals via the HMO get rejected because the HMO administrators are restrictive. In that case, you’d have to see the primary care physician on the back of your insurance card to get a referral to the specialist of your choice. We can provide a letter for you to take to your PCP of why we think that referral is necessary.

What if an emergency arises and hospitalization is required?

If you have to go to the emergency department, we would call the emergency department and speak with the emergency physician and discuss your symptoms and we would help to coordinate care by providing any necessary records. Should you be admitted, we would do the same thing – call the hospitalist and discuss your treatment in the hospital to ensure a smooth transition of care when you leave the hospital.

For context, the age of having a family medicine doctor who sees patients in an out-patient clinic and in the in-patient or hospital setting is drawing to a close. Now, doctors either specialize in keeping patients out of the hospital, or they specialize in caring for patients once they are admitted to the hospital. At Kozmic Care, we focus on wellness, screening tests, and excellent medical care to help our patients stay healthy and out of the hospital.

What if I need medical attention while I’m away from home?

In the age of telemedicine, many conditions can be diagnosed and treated via a simple conversation by phone or webcam. If appropriate, we will locate the nearest pharmacy and order medication most suited for your circumstance. Many Healthcare systems charge more for telemedicine with a doctor who doesn’t know you – at Kozmic Care, you get telemedicine with your doctor at no additional cost.

What does the membership fee cover?

The fee covers all the basic primary care in the office but without any hidden fees. This includes:  annual wellness exams, well child exams, sports physicals, school physicals, work physicals (unless work mandates something additional), chronic care office visits, follow-up visits, basic office procedures, and treatment of acute illnesses and minor injuries. Modern technology also enables us to enhance the relationship. So at no additional cost, we can have more direct communication using phone, text, and email.

Additional fees will cover access to labs, pathology and prescription medications at a discounted rate for members.

What if I am healthy and only visit my doctor once a year? Won’t a membership be a waste of money?

First of all, congratulations on being healthy! That is the goal we are aiming for. However, eventually you are likely to get sick or be injured. Wouldn’t it be nice to be able to contact YOUR doctor by text or phone to get some advice? Perhaps we can keep you out of Urgent Care or the Emergency Room by seeing you and treating your problem the same day. In the usual health care model, many people end up in the ER or Urgent Care spending $200 just on the co-pay. Because these doctors are not familiar with you, additional costs are generated with the x-rays and other tests that may not have been needed. One visit to the Emergency Room could equal the cost of your membership for the year, and you still didn’t get to see YOUR doctor.

Can I cancel my membership

Yes. We understand that your needs may change, and we want to help you through whatever transitions you’re making. If you are unable to continue your membership due to financial hardship, we would love to find a better solution than cancelling. Talk to us first. If you are dissatisfied, we will do our best to remedy that. However, if you must cancel, there is no cancellation fee and we just ask for 30 days written notice.  If you sign up for a quarterly, semi-annual, or annual term and decide to cancel, your remaining balance will be refunded. If you must cancel, please remember there is a reinitiation fee.

If you decide to rejoin after cancelling, you will need to pay the re-enrollment fee.

I have health insurance, may I use it?

You may still use your insurance for all expenses besides our membership fee and the medications we dispense. We can have our reference lab bill your insurance for labs drawn in our office. You may use your insurance to fill prescriptions at your favorite pharmacy, to pay for specialist consultations, radiology tests, hospitalizations, surgeries, and anything else your insurance covers. However, you may find that our prices for these things cost less than what you will have to pay with your insurance.

For Employers

For employers who want to offer quality healthcare to their employees at a reasonable price. Please contact for more information. We offer a discounted rate for groups.

How We Help Employers

• A predictable, affordable monthly fee that gives you more control over healthcare spending.
• Attract and keep hard-working employees with great healthcare.
• Reduce absenteeism through a focus on prevention and management of chronic conditions.
• Eliminate unnecessary ER and urgent care visits.