Welcome to Growing Kids Concierge

---

Membership fees provide increased access to Dr. Lane and more personalized, comprehensive care while insurance covers visits and treatments. 

Membership fees can be paid monthly, quarterly, or annually depending on what works best for your family. Your membership fees may even qualify as eligible expenses under your Flexible Spending Account (FSA) and/or Health Savings Account (HSA) plans. Be sure to review your individual plan to determine what costs may apply!

There are currently no plans to use a different fee structure for children of different ages given the unpredictable need of healthcare for each individual child.

The membership fees do not replace your insurance. Dr. Lane will continue to bill your insurance for all insured healthcare services provided by Growing Kids Concierge and Dr. Lane. Your membership fee will offset co-payments that you normally would pay at the time of service. 

The cost of services provided by a third party (an entity other than Growing Kids, such as LabCorp or other specialists), including hospitalizations, emergency room visits, prescription medications, outside lab work, x-rays, and evaluations by other physicians or specialists will continue to be handled with Dr. Lane coordinating care, prescribing medicine, ordering tests, and facilitating care by other physicians or specialists where needed, while the third party is responsible for billing your insurance. 

(a) Whether the insurance fee is fully reimbursable as a medical expense is dependent upon your particular plan. If not fully reimbursable, in most cases it will qualify as a medical expense for the amount of any out-of-pocket costs to GKC that the membership is used to offset. 

(b) IRS Publication 502 explains the itemized deduction for medical and dental expenses. We recommend speaking with a qualified tax professional.

For most insurance plans, the membership fee does not count towards the deductible except for that portion which is used to offset your out-of-pocket costs to GKC or “co-pay.” All such out-of-pocket costs will be reported as paid as of the date the service is provided. 

• As a founding patient of GKC, you pay a monthly membership fee of $150 for your one child. Either you or the provider identifies an issue that is not part of a regular wellness check that needs to be addressed during the visit. For a regular wellness check, a copay is not required, but with the additional concerns, tests are needed and the child is referred to a specialist. 
  • The co-pay of these additional services conducted in-house at GKC would normally be $100, which is offset in its entirety by your membership fee. 
  • Your insurance is billed as normal and notified that you have made your co-pay. This $100 would then count towards your deductible and, in most cases, be reimbursable under your FSA or HSA as of the date of the service. 

• GKC assists with identifying and getting you an appointment with a specialist. Although you will be responsible for any co-pays associated with the specialist (as that is not a service provided by GKC), GKC is able to stay actively involved and will be available to discuss the results and any treatment plans or recommendations. Any co-pay payable to GKC for this follow-up visit would again be off-set by your membership fee. If regular follow-up visits are required with GKC to manage medication or any treatments, co-pays for those follow-up visits would also be off-set by your membership fee (and once again, counts towards your deductible and be reimbursable as of the date of the service).

• Your child spikes a high fever at 7 pm on Friday night and you are certain it is strep. You text your provider at GKC and ask what you should do. Rather than requiring a visit to urgent care on Friday night or Saturday morning, where your co-pay and a strep test could be more than $250, GKC meets you at the office or stops by your house to check on your child and run the strep test. Any co-pay for the sick visit and strep test would be off-set by your membership fee (and once again, counts towards your deductible and be reimbursable as of the date of the service). You also saved yourself additional out-of-pocket costs and hours of waiting in a waiting room at an urgent care facility to see an unfamiliar provider.

• You are concerned that your child seems off, but aren’t quite sure what is wrong. You normally wouldn’t take your child to the doctor’s office because it’s a hassle to get an appointment and you don’t want to pay yet another co-pay if nothing turns out to be wrong. Because you are a patient of GKC, you schedule an appointment just in case. During the visit, GKC identifies the early stages of an ear infection and is able to begin treatment before the infection becomes more severe. Your insurance is billed and your co-pay is once again offset by your membership fee (and once again, counts towards your deductible and be reimbursable as of the date of the service).

No. The membership fee is only applicable for the then-current 12-month membership period and will not carry over. Although you may not need to see GKC for sick visits, you are still able to enjoy the additional benefits offered by GKC, such as quarterly parenting classes, unlimited camp or school medical forms, and teen classes on topics like skincare. Efforts will be made to provide itemized invoices for the value of any utilized services that generally would be considered entirely out-of-pocket by your insurer, but that are offset by your membership fee, allowing you to pursue reimbursement for all that are eligible under your HSA or FSA.

No. The membership fee will offset all co-pays owed to GKC. Note, however, you will need to consult with your insurer to determine whether you can claim the offset co-pays that exceed the annual membership fee towards your annual deductible.