Dr. Ragland is easily reached when you need her.
Please don’t hesitate to call, email or text with questions or concerns.

Membership Questions

What medical conditions do your care for?

We treat acute and chronic health problems.

What are your prices?

Please find a complete list of our prices here.

What does the membership fee cover?

The fee covers excellent primary care through unlimited office visits with minimal wait times, annual wellness exams, well-child exams, sports physicals and school physicals, basic office procedures, treatment of acute illness or minor injuries, chronic disease management, and 24/7 access to your doctor via email, phone, text and Skype.

Our patients will also have access to wholesale labs and medications not included in the membership fees.

View a list of our services here.

Is there a sign-up fee to join?

No, we do not require a sign-up fee for a household, family or individual.

Does OneFamilyMD see patients of all ages?

Dr. Ragland is a board certified pediatrician and internist.  She is trained to provide comprehensive primary care for people of all ages, from newborns to elderly.

What if I decide to cancel?

We expect to have an honest, open, and respectful relationship with you. If you have voiced a complaint that we cannot satisfy together, we will gladly allow you to terminate your membership. If your membership is cancelled, you will receive a refund based on the services rendered. If you choose to rejoin, fees will be applied.

General Questions

Why did Dr. Tracy decide to this now?

No one is forcing Dr. Tracy out of insurance-based practice.  She is doing this on her own because she believes this is best for patients, the only way to provide personalized, affordable, and excellent primary care in the future.  This was a difficult decision. She doesn’t want to lose any of her dear patients!  But ultimately, the decision was made because it was the right thing to do.

Dr. Tracy thinks that all people could benefit from being in a DPC practice. When the doctor is focused on fewer patients and is not overwhelmed with government and insurance paperwork and bureaucracy – the patient wins!

Is the monthly fee for DPC tax deductible?

Not currently.  But things are changing.  Some states have clarified that DPC is a medical expense and therefore should be tax deductible.  Please consult your accountant to get the most up to date information.

What about people who can’t afford DPC?

DPC is considered very affordable for most people. However, with the DPC model, doctors are free to offer charity care or reduced charges based on need. Because of Medicare and health plan contracts, this is illegal in insurance based practices.  Charity is actually discouraged by our current insurance-based health care system!

Why is a DPC practice a Better Option?

There are lots of reasons. First, it is absolutely patient-focused. From a cost standpoint, it helps patients and their employers maximize their healthcare benefits while simultaneously minimizing the cost. EVERYONE can benefit from being part of a Direct Primary Care practice:

  • Medicare beneficiaries:  Savings on medicines can help many Seniors who have substantial out of pocket expenses for their prescriptions, and the exceptional access to your doctor enhances wellness plans as well as diagnosis and care of chronic medical conditions. Probably the biggest value is the knowledge that your doctor – not a large entity like an “Accountable Care Organization” trying to cut costs for Medicare – is helping you co-ordinate your care to suit your individual healthcare needs.
  • Small business owners and their employees:  DPC combined with a “bronze” plan and a Health Savings Account is a great alternative to expensive insurance plans. They can cut costs by 20 – 30 percent or more and money previously spent on premiums can be reinvested in the company or given back to valued employees as bonuses or pay raises.
  • Individuals without employer coverage who can’t find high value plans that allow choice in providers and hospitals on the KYNECT exchange can benefit by  having more control over where and how care is accessed.  They can also stabilize unpredictable spending toward deductibles by having a set monthly fee for comprehensive primary care.
  • Individuals who don’t require frequent medical attention benefit also.  Building a partnership with a personal physician and investing in preventive care and wellness will pay off.
  • Self-insured businesses can build custom health benefits for their employees. DPC is a perfect fit for these companies because, in many cases,  it can help lead to a 20 – 30 percent drop in overall healthcare spending and dramatically improve employees’ satisfaction with their benefits.

What is Direct Primary Care?

Under the Direct Primary Care (DPC) model, the patient (you) receives comprehensive primary health care directly from their DPC physician (Dr. Tracy). The patient pays for this care through a monthly fee, paid directly to OneFamilyMD.  That fee covers many primary care services listed on our services page.

Because DPC practices do not participate in any insurance or plans, the providers are able to avoid the ever-increasing and costly documentation demands and administrative intrusions that come with accepting insurance.  DPC practices also avoid the onerous patient data collection responsibilities which many plans impose. These require lots of staff, time, and resources – and often amount to substantial intrusions on patient privacy.

Because DPC physicians avoid these obligations to insurance companies, they are free to spend that time listening to and treating patients. And because DPC physicians eliminate the significant overhead costs of participating in insurance, they can pass the savings on to you, the patient – and give compassionate, attentive and timely care at an affordable cost.

Do you see nursing home patients?

Yes! Dr. Tracy sees members who are nursing home patients.

What if I’m hospitalized?

Dr. Ragland will work closely with hospital physicians and specialists.  She will visit you while you are in the hospital and be your “quarterback,” thoroughly coordinating your care in an efficient way.

Are my medical records ever shared with insurance carriers or government agencies?

No. Patient privacy is a natural benefit of this medical model. We will never provide any third party with a copy of your records, unless you specifically ask them to do so or if OneFamilyMD is subject to subpoena or search warrant.

What if I need medical attention while I’m away from home?

In the age of telemedicine, many conditions can be diagnosed and treated via a simple conversation by phone or webcam. If appropriate, we will locate the nearest pharmacy and order medication most suited for your circumstance. If you need to go to the hospital or seek other medical attention while away from home, we can advise you on that as well.

May I contact OneFamilyMD after hours? How?

Absolutely, yes! It’s how we do custom healthcare. After normal office hours our members can call Dr. Tracy’s cell phone.

When do I pay my fees for wholesale medicines and labs that are not covered?

Charges will be added and applied to your preferred method of payment.

Insurance Questions

Is this like MDVIP?

No. MDVIP charges higher fees annually:  $1650 for individuals or $3300 for couples.  OneFamilyMD maxes couples and family fees at $150 per month and there is no upfront payment requirement. MDVIP bills insurance on top of the annual fee. OneFamilyMD does not bill insurance for anything. MDVIP does not offer savings on wholesale medicines and labs.  OneFamilyMD passes along these savings, which often fully pay the monthly fee for DPC services.

Do I still need insurance?

We recommend that you do have insurance to comply with Federal Law. OneFamilyMD does not replace insurance, and ideally we encourage our patients to carry a high deductible or major medical plan or a plan with a health savings account, thereby ensuring financial help should hospitalization or coverage for catastrophic medical expenses be necessary. referral to a specialist be necessary. You should consult with an insurance provider to help you find a plan that works best with our medical model and that will meet your specific needs.

If you have insurance-related questions please call Dr. Ragland’s insurance specialist, Valerie Reeves at  502-657-0156.

What if I want to continue my current insurance? Can I use it?

Not for our services, but OneFamilyMD will be able to order your labs, x-rays and medications at the facilities preferred by your insurance if you would like.

If I have Medicare, can I join as a patient?

Yes. However, your monthly membership fee cannot be submitted to Medicare for reimbursement. You must sign a waiver that declares that neither you nor your doctor will directly bill Medicare for your membership fee.

Medicare and medicare supplemental insurance will still cover medical costs that you incur outside of OneFamilyMD. For example, prescriptions that you fill at an outside pharmacy, or labs run at an outside lab, or hospital charges, physical therapy, x-rays and scans are covered, just to name a few. You do not lose your Medicare coverage for other medical needs just because you are a patient of OneFamilyMD.

How can I save on insurance costs by being a patient of OneFamilyMD?

OneFamilyMD works closely with Valerie Reeves with Preferred Benefits in Louisville, KY. 502-657-0156.  She has over 20 years of experience in the industry and can help you evaluate your current insurance plan and in many cases find higher value and less expensive alternatives.

Are OneFamilyMD’s monthly fees eligible for HSA or FSA reimbursement?

Yes, our fees are generally reimbursable. This is one smart method of paying for your health care needs with pre-tax dollars.

Direct Primary Care may qualify as reimbursable through your Health Savings Account (HSA) and may also qualify under the Affordable Care Act.  Section 10104 of P.L. 111-148 (Patient Protection and Affordable Care Act) states: “The Secretary of Health and Human Services shall permit a qualified health plan to provide coverage through a qualified direct primary care medical home plan that meets criteria established by the Secretary, so long as the qualified health plan meets all requirements that are otherwise applicable and the services covered by the medical home plan are coordinated with the entity offering the qualified health plan.”  See your insurance provider or Call Valerie Reeves, our insurance specialist, for questions – 502-657-0156.

If we haven’t fully answered all of your questions,
please contact us via phone or email so we can further assist you.