Concierge Doctors
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One thing I learned from the aging trophy wife was about 'Concierge Doctors'. Have you all heard about these? She has one in a city that is about 2 hours from her home. Since her husband needs frequent medical attention, she says that she is unable to find one close enough for his needs. Her doctor only charges $180 a month a limits her practise to 500 patients, compared to the 2500 patients a regular doctor has, according to this lady.
A Concierge Doctor is a doctor who limits his/her practise to a few hundred patients. The patients pay a monthly fee. The more exclusive ones charge $1000 a month, she said. She told me that they limit their practise to 200 patients. Regular insurance covers the normal medical costs and the $1000 monthly fee covers having access to the doctor at all times by having his/her cellphone. These doctors also make house calls. They spend a couple of hours on physicals.
Here's some links about this:
http://www.bankrate.com/brm/news/insurance/20040519a1.asp
http://www.qconciergephysicians.com/
http://www.nytimes.com/2005/07/31/business/yourmoney/31doctor.html