Virtual Visit!

[Guest guest]

WOW! I think I am going to faint! Someone actually paid for a virtual visit for sinusitis!!! I cannot believe I am going to get paid for what I usually have (grudgingly) done for free! Whoopee! Thanks for the encouragement Kris!Here is the email template that I sent to her ( a few days ago, I did not get an answer, I thought maybe she went to a walk- in instead:) Maybe I should also try to sneakily bill the VV code and see what her insurance says.I have a new process that I'm using for people that want me to prescribe over the phone or email, or who need a follow up appointment but just cannot physically get in. It's called a virtual visit and it's available via my website:nkfp.familydoctors.net (click on blue virtual visit link towards the bottom of the page)or directly from my virtual visit page:drlynnho.netIt's about the same cost as an office visit but is more convenient for you (as you don't have to come in); it doesn't make me work for free, and as well decreases my malpractice risk by running a standard platform for the exchange of medical information.You can either try it, or come in and see me, as you prefer.Thanks! Lynn Ho To: From: pierre@...Date: Thu, 21 Feb 2008 09:07:01 -0500Subject: RE: disability insurance

My IMP spouse (and myself) bought policy in early 90s.

This is when policies were more liberal as to what constituted, “inability

to perform primary job function”

Meaning if you disability prevented you from being a doctor, you

got paid.

Now polices often are written,

“well, you can’t be a doctor, but you can have a

different job, so that is an excuse not to pay you”

Specifically this what is called the “Regular Occupation”

rider.

My own policy was based on “highest of 2 of past 5 years

of salary averaged”

How much do you think a “home-maker” salary is

worth? $0! I had to drop the policy, cause my salary is $0.

As far as I know, there are no disability policies for home

makers. L

How much would it cost to replace your IMP homemaker/back office

spouse? $30k/year?

Good luck. Insurance industry offers no protection.

Dr. ’s policy is with Mass Mutual. There are so many

options, based on personal situation, it can be tough to make rider

recommendations.

Our Policy works like this:

90 day waiting period, premiums waived while

disabled

Earned income includes schedule C/K income <-

very important

Contingent Monthly Income Rider (workers comp

and social security pay, instead of policy)

Additional monthly income

rider

Regular Occupation Rider ßvery

important!

Presumptive Disability Rider (presumed disable

if eye, ears, hands, fee, speech loss)

Felony Exclusion (will not pay, while in jail)

Recovery Benefit (you get paid some money after

you are no longer disabled)

I believe a disability policy is one of the more complex

contracts you will ever sign.

Since we have not tried to collect, I can not say how good Mass

Mutual is.

They are very good at taking our money which is increasing this

year past $170/month.

There are so many variables as to what it would pay out.

I am guessing a payout is worth $3k a month or so now.

-tom

From:

[mailto: ] On Behalf Of Evan Hirsch

Sent: Wednesday, February 20, 2008 7:10 PM

To: IMP listserve

Subject: disability insurance

does anyone have this? and if so, how much should I cover myself for and

do you have any companies/carriers that you recommend?

thanks.

To your health,

Evan H. Hirsch, MD, ABHM, ABFM

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