Postal address: P.O. Box 80, Rocky Hill, NJ 08553
Office address: 182 Tamarack Circle, Skillman NJ 08558 (off Rt. 206 in Montgomery)
609-474-HEAL  (609-474-4325)     Fax: 609-644-4400

The Annual Plan

The Annual Plan was devised by Dr. Ginsburg to help the parents of the youngest kids, who tend to need to see the doctor more often.

The plan reduces your costs, makes payment more predictable, and gives you broad phone and email access to the doctor.
Under the Annual Plan you pay a discounted flat rate payment for an entire year, covering all sick and well visits for a child.  

This is an innovation, and is only available for children from birth to five years old. It's your decision how long you keep a child in the plan.

It includes phone and email access to the doctor 365 days per year, by email or by telephone (with rare exceptions due to illness, holidays or vacation). 

Sometimes these conversations eliminate the need for a visit, but sometimes you still might need to come in. These email and phone conversations may continue back and forth several times.

The Plan includes completion of forms or other ancillary services for which there is normally a fee if requested outside an in-person doctor visit.  (When such services are requested during an in person visit, there is never an extra fee.)

Cost savings in the annual plan:
In the first year of life, a baby is scheduled for well visits (check ups) with the doctor at two weeks, four weeks, two months, three months, four months, six months, eight months, and one year. Babies also can get sick and parents may want some medical attention. New mothers especially may want the coaching that Dr. Ginsburg gives. All of this is covered.

In the first year of life, being on the Annual Plan may save you as much as half what you would pay otherwise.

You can still submit for out-or-network reimbursement from your insurance company for each visit, and get reimbursed for the normal cost of the visit. When the amount you have submitted totals the cost of the annual fee, you do not get any more reimbursement. It comes to us directly at that point.

Our office will also send in the insurance submission for you, if yuo wish.

Annual Plan miscellaneous: 
    • The Annual Plan does not cover Doctor's work related to things outside normal health care.
    • Patients with certain conditions cannot be covered under a plan, but this is quite rare, and the doctor would discuss this at the time of your first visit.
    • If your child's need for care increased greatly while under the plan, such as if a complicated disease occured, it is possible we could not continue you in a plan. We would strive to make a fair adjustment, based on whatever you already paid, if this became necessary.

Annual Plan - Cost

Cost:       $1400 per year per child
               (Family discounts are available.)
  • This plan renews yearly unless you inform us otherwise.
  • It is paid in one lump sum yearly or by four installments (occuring every other month) using automated charges to a credit card.

Annual Plan - Not covered
  • Vaccines
  • Procedures, supplements, drugs, or herbs.
    The plan only covers the doctor's time.
  • This plan not available to children on the autistic spectrum, and possibly others - as determined on a case by case basis.
Insurance submission when on the Annual Plan:
You can still submit your visits for out-of-network insurance reimbursement, up to the full amount paid each year.

It works like this. After your visit, the doctor gives you a form showing the medical work done and the amount you would have paid for that visit, and this you use to submit to the insurance company.

Each year, once your visits reach a total amount equal to the amount you paid for the year, your receipts will show no more payments, and you will not be able to submit any more that year for out-of-network insurance reimbursement .


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