What is A Direct Access Medical Practice?

This is a smaller, more intimate medical practice that allows you to enjoy direct access to a physician who knows and cares about you. This gives our members great peace of mind and makes their lives easier to manage. Your personal health is our passion.How it Works
Members pay an annual fee for membership in the practice. This fee can be funded by a Health Savings Account “HSA,” Company Cafeteria Plan, or by the money you save when you change to a high deductible insurance plan. We bill your insurance after each visit, and any monies paid by the insurance company are sent directly to you. For a practical illustration of how a HSA works with Dr. Bob’s practice please click here. We can show you how you can save thousands of dollars per year and have your own personal physician who actually knows you, cares for you, develops a health plan for you, and stands ready to serve as your advocate and coordinator of all medical services when the need arises.

What Makes Us Different
We bring an old fashioned approach to modern medicine, we treat you like family. The ability to deliver this highly personalized level of care is only possible through A Direct Access Medical Practice. With this method of doing business we have the time to evaluate, diagnose, plan, and deliver a medical service that is impossible with traditional medical programs. Where Dr. Taylor once served over 4000 patients in a traditional medical environment he now has the privilege of limiting his practice to 500 patients. This is just one of the reasons that patients affectionately refer to him as “Dr. Bob”—where else could you be so connected with your personal physician?

“Dr. Taylor has been my physician for several years now and has given exceptional care. Dr. Bob Taylor is the foundation of his fundamental beliefs of medicine and his role as a doctor. He epitomizes what each and every one of us looks for in our health care provider. I offer my highest recommendation Dr. Robert Taylor and his staff.”—Alice B., Roseville, CA

How a Direct Access physician can save you time and money...

HEALTH SAVINGS ACCOUNTS (HSAs)

QUICK FACTS:

• Congress created the Health Savings Account and it was signed into law in December 2003.

• All deposits are tax deductible. Even if you do not itemize your income taxes, you still get the deduction.

• You can make withdrawals from the account at any time (today or any time in the future) without any penalties or taxes as long as you withdraw the money for eligible expenses. Eligible expenses include medical (including prescription drugs and certain over-the counter drugs), dental and vision care. You can also pay certain long term care premiums and Medicare premiums from the account. And, Dr. Bob Taylor’s annual fee is an eligible expense. For a detailed IRS listing of eligible expenses, IRS Publication 502 is an excellent source.

• There are no “Use-it-or-Lose-it” rules. If you don’t need the money, keep it in the savings account and earn tax free interest.

• At age 65 and thereafter, you can make withdrawals for non-eligible expenses. These withdrawals will be taxed as income, but there are no penalties.

• In order to make tax free deposits into an HSA, you must be covered under what the IRS calls a qualified “High Deductible Health Plan,” often referred to as an “HDHP.”

• Qualified high deductible health plan (HDHP) designs are regulated by the federal government. Even though the deductible may be higher than more traditional plans, they do limit your maximum “Out-of-Pocket” exposure in the event you require significant medical treatment (such as expensive tests and prescription drugs, surgery or hospitalization).

• All California based insurance companies offer qualified high deductible health plans (HDHPs), including, Aetna, Assurant, Blue Cross, Blue Shield, CIGNA, Guardian, HealthNet, PacifiCare, State Farm and United Healthcare.

• If you are covered by a group health plan at work, your employer may or may not offer an HSA option. So be sure to ask if one is available, and if it is, you will most likely be able to enroll in the HSA option at your employer’s next open enrollment time.

ADVANTAGES OF AN HSA

• Less Cost.

• Ability to pay for medical expenses, including Dr. Bob’s fee, and get a tax deduction.

• Less Risk – Often the question is asked, “How can having a High Deductible Health Plan (HDHP) put me at less risk?”

The answer is threefold:

1. The cost savings of the high deductible health plan is so great that it typically offsets any additional risk;
2. You save taxes. Under traditional plans when you pay co-pays or deductibles, you pay them with after-tax dollars. With an HSA you use pre-tax dollars; and
3. By law, with an HSA plan there are caps on how much your “Out-of-Pocket” risk can be. Virtually all other traditional plans do not have caps.

• You get to keep what you don’t need forever, tax free.

• An HSA is an excellent retirement vehicle. Individual Retirement Accounts (IRAs) and 401(k) plans provide “Double Tax Savings:”

1. Money goes in tax free
2. Accumulates tax free – but it is taxed when it comes out

An HSA has “Triple Tax Savings:”

1. Money goes in tax free
2. Accumulates tax free
3. Comes out tax free for qualified expenses. At age 65 and over, much of what we need will be for health care, so you’ll have no problem receiving the third tax break. The HSA Retirement Calculator will help you plan your tax free savings.

• The US Treasury HSA Reprint provides additional excellent information.

EXAMPLES

Example # 1: Individual Health Plan:

• Father age 45, spouse and 2 children living in Placer County

Example # 2: Small Employer (less than 50 employees) Group Plan:

• Individual age 55 living in Sacramento County

Example # 3: Large Employer (50+ employees) Group Plan:

• Individual and Spouse age 55 & 56 living in Sacramento County

NEED HELP GETTING AN HSA?

Call 1-800-231-8467
Dr. Bob works closely with a local firm – Newsura Insurance Services. They will help you set up your HSA and will take the time to answer all of your questions: Call 1-800-231-8467, and simply let them know that Dr. Bob told you to call.