My doc tried to roll out a flat-rate care plan a few years ago -- $4500/year inc. phone calls and visits. I couldn't go with it, and not just because of the price -- the referals system with my insurance company was entangled in a lawsuit, and I couldn't get a guarantee from the company managing the doctor that I wouldn't be charged some out-of-network rate for care.

I had to give up my doctor and find someone else.