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At Personal MD, We understand one of the hardest things about being self-employed is finding affordable quality healthcare.  Through our 40:40 Medical Care™ program, you and your family can get the health care services you need at a price you can afford.  

As a member of our program, you will have unlimited access to:

    •A board-certified physician

     •The Personal MD Health Network, a pre-qualified network of 30 specialists who provide services at substantially reduced fees

    •Membership in Personal Rx, our customized discount pharmacy program

To be a member, individual members pay a monthly fee of $40.  If you wish to add extra members, the cost is is adjusted with a maximum family rate of $125 per month, regardless of pre-existing issues. As a member, the fee for a 30-minute office visit with a physician is only $40. That’s it.  It’s that simple.

At Personal MD, we can provide over 90 per cent of most family’s health care needs. From coughs to cuts, ear aches to immunizations, our fully equipped office is designed to care for the services you need most.

What is Personal MD?

Personal MD, a McKinney-based medical services company, specializes in helping people who are not covered by traditional health insurance access to affordable health care. Members have access to a board-certified doctor who can provide the majority of their health care needs and serve as the gatekeeper to other medical specialties and services.

Can I enroll my family?

Personal MD accepts individuals, couples, and is one of the few membership clinics in the country to accept children. Members can be removed at anytime and for any reason.

What do membership fees cover?

The membership fees guarantee quick and easy access to:

· A board-certified family practice physician;

· The Personal MD Health Network, a pre-qualified network of 30 specialists who provide services at substantially reduced fees; and

· Membership in Personal Rx, a discount pharmacy program.  

Is Personal MD an insurance company?

No. Personal MD is a group of local private doctors and healthcare providers committed to caring for your health care needs. Our network of providers includes specialists like dentists, chiropractors, optometrists, cardiologists and podiatrists as well as laboratories, radiology services, pharmacy services, and more. Our group of providers can handle over 94% of most patients’ health care needs.

What about catastrophic medical coverage?

Catastrophic medical plans place a larger responsibility on the patient to manage their health care dollars.  These plans are becoming more and more popular among self-employed individuals, as well as small and large companies. The lower premiums and higher deductibles help keep healthcare cost somewhat affordable. Understanding and working with these catastrophic plans is our specialty.

If I already have access to health insurance, can I sign up for Personal MD?

Yes.  Personal MD provides services beyond the scope of most doctors’ offices.  Members are guaranteed same day or next day appointments; round-the clock direct access to the doctor via phone and e-mail; and 30-minute consultations rather than the average seven-minute office visit

Does insurance cover the membership fee?

Although some insurance companies are starting to cover membership fees, most health insurance companies still don’t.  However, patients can pay for the annual fee through employer Section 125 plans, as well as with flexible spending accounts (FSAs), medical savings accounts (MSAs), and health reimbursement accounts (HRAs). The fee may also be paid through the newly established health savings accounts (HSAs).  

How does Personal MD work with traditional health insurance?

Personal MD is a full service primary care medical office that is designed to work in conjunction with traditional health plans. Although Personal MD does not accept commercial insurance plans for payment, any fees that are generated as a result of a patient visit may be partially recovered through the out-of-network provisions of the benefits plan. Also, if test are needed such as lab or X-ray services, the insurance company will be billed directly by the provider that performs these services. Finally, medications that are prescribed will be covered under the provisions of the insurance plan as well.