Direct Pay Medicine

Why We Don't Take Insurance (And Why That's Better for You)

No insurance delays. No denials. No compromises. Just direct patient care the way medicine should be.

Dr. Benjamin Soffer, DO — Concierge Medicine No Insurance

Dr. Benjamin Soffer, DO

Board-certified internist. Former Chair of Internal Medicine. Associate Professor at FAU. Dr. Soffer chose direct pay to eliminate insurance barriers and focus entirely on patient care.

The Bottom Line

We don't accept insurance because it gets between you and your doctor. Insurance companies dictate appointment length, deny treatments, and delay care. Direct pay is better.

You pay a membership fee directly to us for our time, availability, and expertise. Insurance still covers your labs, imaging, and specialists — they're billed separately. We offer flexible membership options based on your needs.

This model gives you 30+ minute visits (not 10), same-day access, 24/7 availability, house calls, and care based on what's medically best — not what insurance approves.

How Insurance Hurts Your Care

Traditional insurance practices create barriers to good medicine.

Time Limits

Insurance dictates 10-minute visits. Your doctor spends more time on paperwork than with you. No time for complex problems.

Prior Authorization

Need an MRI? Insurance says "wait 3-7 days for approval." We order it now. You get answers faster.

Denials & Surprise Bills

Insurance denies treatments we recommend. Or you see an "out-of-network" specialist and get surprise bills.

Bureaucracy

Your doctor spends 20+ minutes per patient fighting insurance companies. Time that could be spent on your care.

How Direct Pay Helps Your Care

Concierge medicine removes barriers and puts your care first.

30–45 Minute Visits

You get the time you need. Complex problems get full attention, not a rushed assessment.

Same-Day Access

Need to be seen today? You will be. No waiting weeks for an opening.

No Denials

We recommend what's medically best for you, not what insurance approves. Your care, not their profit margin.

House Calls

Your doctor comes to you. No urgent care copays, no ER bills for things that should be office visits.

Why Concierge is Worth It

Concierge medicine costs more than traditional insurance, but the value is undeniable.

You get 30+ minute visits, same-day access, 24/7 availability, house calls, and care based on what's medically best for you — not what insurance approves.

Ready to learn what flexible membership options are available? Schedule a free consultation.

HSA/FSA Eligible

Your membership fee is HSA/FSA eligible. That means you can pay for it with pre-tax dollars and save 20–30%.

Using your HSA or FSA account can significantly reduce your out-of-pocket costs.

💰 Substantial tax savings available

Check with your HSA/FSA administrator to confirm membership fees are covered by your specific plan. Schedule a consultation to discuss how this works with your benefits.

Is Concierge Right for You?

This comparison shows how concierge stacks up.

What Matters to YouConciergeTraditional MDDPC
You value time with your doctor
You want same-day appointments
You want 24/7 access
You want house calls
You want coordination with specialists
You want no insurance bureaucracy

Frequently Asked Questions

If you don't take insurance, how do I pay for labs and specialist visits?+
Insurance still covers labs, imaging, and specialist care. You pay your membership fee directly to Dr. Soffer for his time and availability. When you need tests or specialists, you can use your insurance for those services — they're billed separately.
Can I use my HSA or FSA to pay for concierge medicine?+
Yes. The membership fee is HSA/FSA eligible for most plans. That means you can pay for it with pre-tax dollars, saving 20-30% compared to paying after-tax. Check with your HSA/FSA administrator to confirm.
Is concierge medicine really worth it if I don't get insurance?+
Yes. The average American spends $2,000-$5,000 per year in copays and co-insurance. Our flexible membership options offer incredible value when you consider what you get: 30+ minute visits (not 10 min), same-day access, 24/7 availability, and house calls — value insurance patients never see. Schedule a consultation to discuss pricing that works for you.
What if my insurance covers my doctor's visit copay?+
We don't participate in insurance, so you'll pay us directly. However, your total cost might actually be lower because: (1) No annual deductible before seeing the doctor, (2) No limited visit copays (you can see us as much as you need), (3) No "in-network" restrictions, (4) No prior authorization delays.

Ready to Ditch Insurance Bureaucracy?

Schedule a free consultation to see if concierge is right for you.

Mailing Address

2901 Clint Moore Rd, Suite 5060
Boca Raton, FL 33496

No physical office — house calls & virtual visits only