The Model

The arrangement is simple: you pay the practice directly, and the practice answers to you.

There is no insurance company in the middle. No claims are filed, no billing codes shape what happens during a visit, and no utilization reviewer decides how much of your time is reimbursable. What gets done is what you and your provider decide should get done.

That single change removes most of the friction you have come to expect from medicine. No front desk negotiating your access. No co-pay at the door. No statement arriving six weeks later for a charge nobody mentioned.

Most members keep their existing health insurance for hospitalization, specialty care, surgery, and imaging. Latitude 26 is the relationship that sits in front of all of it, not a replacement for coverage.

A conventional primary care practice carries somewhere between two and three thousand patients. The arithmetic of that is unforgiving. No provider, however dedicated, can hold three thousand histories in mind, and the schedule required to support that many people has to be built in fifteen-minute increments.

Every Latitude 26 panel is capped at 100 patients. Not as a marketing device, but as a clinical one. It is the number at which a provider can genuinely know your history, your family, your baseline, and what "not quite right" looks like for you specifically.

However the practice grows, that number does not move. Adding a provider adds a panel; it never enlarges yours.

Practically, the cap is what makes everything else on this page possible. It is why you can be seen the same day. It is why a visit can run ninety minutes without disrupting anyone else's care. And it is why, when you call, you reach someone who already knows the answer to "what's your medical history?"

When the panel is full, it is full. Membership reopens when a place does.

Ninety minutes is where a visit begins, not where it ends.

That time is not padding. A first visit covers a complete history, not a form filled out on a clipboard, but a conversation. Medications are genuinely reconciled. Family history is taken properly. Labs are drawn and the results explained to you directly rather than deposited in a portal.

And the things that never survive a fifteen-minute visit finally get discussed: sleep, stress, alcohol, the symptom you have been quietly ignoring for a year, the parent whose diagnosis has you wondering about your own risk.

Ninety minutes is the standard. It is also a floor. Visits run as long as your care requires, and follow-ups take whatever time they take. There is no next patient waiting.

Latitude 26 is a mobile practice. Care is delivered where you are, across Miami, Fort Lauderdale, and Palm Beach: your home, your office, your boat.

House calls are not an add-on and not a surcharge. They are the ordinary way care happens here, included in the retainer and unlimited when clinically indicated. There is no waiting room, no parking garage, and no forty minutes on I-95 to be seen for twenty.

The clinical capability travels. Point-of-care testing, in-home blood draws with samples processed on site for accuracy, minor procedures, orthopedic care, and IV therapy are all performed where you are.

Members receive a direct line: a number that reaches your provider. Not a call center, not an answering service, not a triage queue.

Text for something small. Call for something that isn't. There is no portal message answered in three business days, and no menu to navigate while you are describing chest pain.

Routine matters are answered the same day. Urgent matters are answered whenever they happen: nights, weekends, holidays. Anyone who responds on the practice's behalf is a Latitude 26 provider with access to your record: never an outside service, and never someone who does not know you.

Because every panel is capped at 100 patients, that access is a real commitment rather than a marketing claim. A practice carrying two thousand patients could not make it.

For a life-threatening emergency, call 911 or go to the nearest emergency department. Latitude 26 is not an emergency service. Call your provider on the way. They will meet you there or coordinate with the treating team.

Access does not run through a switchboard.

Every person who responds to you is a provider of this practice, working from your record, never an outside answering service and never a rotating on-call pool meeting you for the first time at the worst possible moment. Today the practice is deliberately small, so the provider who knows you is the provider who answers. That principle holds as it grows: any provider who ever covers is one of the practice's own, inside the practice and working from your record, never a stranger and never a service.

The capped panel is what makes this workable. A provider can meaningfully hold one hundred records in mind. No one can hold three thousand.

Conventional primary care is not bad medicine practiced by careless people. It is capable providers working inside a system that pays per visit and therefore demands volume of them. The fifteen-minute appointment, the crowded waiting room, and the unanswered portal message are consequences of that arrangement, not failures of character.

Latitude 26 is built on a different arrangement. Because members pay the practice directly, there is no incentive to see more people, order more tests, or schedule more follow-ups than your care actually requires. The practice is paid to look after you well enough that you renew. Nothing else.

Two practical notes.

You keep your health insurance. It covers hospitalization, specialists, surgery, and imaging, and Latitude 26 coordinates that care rather than replacing it.

And because the practice files no claims, your visits are not routed through a claims clearinghouse or added to an insurer's record of you.