Many times patients purchase expensive “Cadillac” plans that require little or no co-pay and that cover all lab costs and prescription costs—although these policies are few and far in-between. Patients with this type of insurance coverage state that they join GHDFC/DPC for the personal attention and access to their own personal physician. These patients save on co-pays AND on something called “Opportunity Costs” which relate to time…such as time in the waiting room (there is rarely anyone ever in our waiting room), face-to-face time with the physician, same-day or next-day sick visits, and 30-60 minute appointments, etc.