How to Pick a 'Concierge' Health Plan

Unless you appear to be at death's door, it can be tough to get a doctor's attention for more than 10 minutes.

Concierge health care aims to change that for patients who can afford it.

Many concierge plans cost $2,000 or more out of pocket, with little to none of that amount reimbursable by insurance. The cost of other concierge plans depends on how much you use them. If you're relatively healthy, they can be a good deal.

Also known as "boutique" or "direct" health care, the model advocates a direct financial relationship between doctor and patient -- reducing the role of the insurance company in setting limits on coverage. ...