问HN：新患者就诊20分钟要近一千美元？
我住在旧金山湾区，拥有一份高免赔额的健康保险计划。最近，我的初级保健医生离开了加州大学旧金山分校（UCSF），成为了一名私人医生——他厌倦了繁琐的官僚制度和低收入，尽管每年要管理成千上万的病人。
我预约了UCSF的一位医生进行新患者就诊。这个预约大约持续了20分钟。几周后，我收到了账单：867美元。我以为这是个错误，但在打电话确认后，我得知这是CPT代码99204（新患者就诊，45-59分钟）的正确费用。由于我的免赔额，保险无法报销。
这感觉太荒谬了。我明白医疗系统存在问题，尤其是在像旧金山这样科技密集的城市，但867美元的常规就诊费用实在难以让人接受。
有没有人在寻找可行的替代方案？私人医生模式？订阅式医疗？这是否是一个创业机会，还是说监管才是唯一的解决办法？我很好奇其他人是如何应对这个问题的，以及是否有可扩展的前进路径。
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I live in the Bay Area and have a high-deductible health plan. Recently, my primary care doctor left UCSF to become a concierge physician — tired of the bureaucracy and low pay despite managing thousands of patients annually.<p>I booked a new-patient visit with a UCSF physician. The appointment lasted about 20 minutes. A few weeks later, I got the bill: $867. I assumed it was a mistake, but after calling, I learned this was the correct charge for CPT code 99204 (new patient visit, 45–59 minutes). Insurance won’t cover it due to my deductible.<p>This feels absurd. I get that healthcare is broken, especially in tech-heavy cities like SF, but $867 for a routine visit is hard to justify.<p>Is anyone working on viable alternatives? Concierge models? Subscription care? Could this be a startup opportunity or is regulation the only fix? Curious how others are navigating this and whether there's a scalable path forward.