Frequently Asked Questions

A Meet 'n Greet appointment is a short 15 minute, no obligation meeting with Dr. Cadle to ensure that you understand how the practice works. It's a great place to ask any questions you might have. However, no medical advice will be dispensed during this meeting.

We do not participate with any insurance. However, since we use a membership model and do not bill insurance, we can accept any patient, whether you have insurance or not.

We cannot accept Medicare patients currently but hope to do so in the near future! Medicare does not allow physicians to receive payment outside of the Medicare insurance system (this applies to Crossroads Family Medicine since we don't work with the insurance model). This means that any Medicare patient cannot pay Crossroads for any services that Medicare would cover. In order to allow direct transaction between a Medicare patient and a cash based provider, the provider must officially opt out of working with Medicare insurance, at which point, the physician cannot opt back into the Medicare insurance network for a period of two years. This greatly limits employment options as most medical employers require Medicare participation by the physician. Until there are enough patients to support the practice, it would be fiscally irresponsible to opt out of Medicare. But the more interest there is from Medicare patients, the sooner Dr. Cadle can opt out of Medicare and open up enrollment to Medicare patients. If you're interested, you can sign up for the Medicare wait list here. We will contact you when we get closer to being able to see Medicare patients! The more people on our list, the sooner we'll be able to see you!

Dr. Cadle is not affiliated with any health care network. In the event of a hospitalization, your reports can be obtained and any care after you are discharged can be coordinated, but all care, including tests, would be managed by a hospital physician during your hospitalization. However, we would be able to coordinate care with your specialists at any time, regardless of their affiliation.

We can address a majority of your women's health care. Dr. Cadle is trained in pap smears, birth control management (IUDs, Nexplanon, oral contraceptives, etc.), endometrial biopsies, and basic hormone replacement therapy. For women's health needs beyond these, we may need to refer you to OB/GYN.

There are similarities in the quality of care such as direct access to your physician, but the primary differences are that the DPC membership cost is typically much cheaper and DPC does not bill insurance for any services. Concierge practices charge you for the membership while also billing your insurance for their services. Not accepting insurance for DPC allows us to see patients in any insurance situation, including those who don't have insurance.

DPC can cover much of your primary care needs but we recommend that you still have catastrophic medical insurance for high cost situations such as hospitalizations, surgeries, or chronic specialty treatments (e.g., chemotherapy). Many patients who use DPC like to pair it with very high deductible insurance for the lower premiums or explore cost sharing plans.

We think DPC provides immense benefit and value for your health care and allows your doctor to provide exceptional care that realistically isn't possible in our current insurance based health care model. DPC is a very different way to think about procuring medical care and it can be difficult for people who are only familiar with the insurance model to see the benefit. Below are a few things to think about, depending on your demographic. Young families With same/next day appointments and direct access to your doctor via phone or text, this model is a great fit for young families needing quick answers or access for acute concerns (kids' cough/cold, bumps/scrapes, etc.) while avoiding excess urgent care or ER costs. Well-child, sports physicals, and well-woman exams, in addition to annual physical exams are some of the many services included, making it a great option for families. Older Adults As we get older, many of us prioritize our health more and are more motivated to get ahead of chronic conditions. Longer appointments and more accessible follow-up care via phone, message, or appointment allows us to better monitor your health and potentially identify health issues earlier, when they may be easier to treat. Chronic conditions For those with chronic ailments, DPC is an affordable way to stay on top of your care. Uninsured While we recommend that you have catastrophic coverage at a minimum, we understand that certain situations don't allow this and so DPC is a great way to access primary care services if you are without insurance. Young Adults For healthy young adults, DPC may not be a great fit unless you highly value preventative medicine and are motivated to optimize your health. If these things are not a priority, you'll likely not utilize the services enough to justify the recurring cost.