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What is the cost of treating solar (actinic) keratoses?

Solar (actinic) keratosis is a common skin condition that can lead to more serious health concerns if left untreated. However, many people delay seeking treatment due to concerns about costs and time commitments. This article aims to demystify the process of treating solar keratosis by providing a comprehensive overview of the associated costs, time investments, and treatment options. We'll explore various approaches for different severity levels, from self-assessment to specialist consultations, and from over-the-counter remedies to advanced medical procedures. By the end of this guide, you'll have a clear understanding of what to expect in terms of expenses and time requirements for solar keratosis treatment, empowering you to make informed decisions about your skin health. Whether you're looking for the most cost-effective solution or the quickest path to recovery, this article will help you navigate the complexities of solar keratosis care with confidence.
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Written by Andrew Le, MD.
Medically reviewed by
Last updated September 10, 2024

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Severity Levels of Solar (Actinic) Keratosis

Solar (actinic) keratosis can present in varying degrees of severity, each requiring different approaches to diagnosis and treatment. Understanding these severity levels can help patients and healthcare providers determine the most appropriate course of action.

Mild Solar Keratosis

Mild cases of solar keratosis are often characterized by small, rough patches on the skin that may be easier to feel than see. These lesions are typically found on sun-exposed areas such as the face, ears, hands, and scalp.

  • Symptoms and risk factors: Slightly rough, scaly patches; history of sun exposure
  • Diagnosis: Self-assessment or virtual doctor consultation
  • Imaging/labs: Generally not required
  • Treatments: Topical medications, cryotherapy

Moderate Solar Keratosis

Moderate cases present with more noticeable lesions that may be larger, thicker, or more numerous than in mild cases. These lesions may also be accompanied by redness or irritation.

  • Symptoms and risk factors: Visible rough patches, possible redness or irritation; extensive sun exposure history
  • Diagnosis: In-person doctor consultation
  • Imaging/labs: Possible skin biopsy
  • Treatments: Topical medications, cryotherapy, photodynamic therapy

Severe Solar Keratosis

Severe cases of solar keratosis involve extensive lesions covering larger areas of skin. These cases may also include lesions that are particularly thick, inflamed, or showing signs of potential progression to skin cancer.

  • Symptoms and risk factors: Numerous or extensive lesions, inflammation, bleeding, or rapid growth; long-term sun exposure, history of skin cancer
  • Diagnosis: In-person dermatologist consultation
  • Imaging/labs: Skin biopsy, possible additional tests
  • Treatments: Combination of topical medications, cryotherapy, photodynamic therapy, and surgical options

Summary Table: Severity Levels

Severity LevelCharacteristicsDiagnosisLabs/ImagingTreatment
MildSmall, rough patchesSelf-assessment or virtual consultationGenerally not requiredTopical medications, cryotherapy
ModerateLarger, more visible lesionsIn-person doctor consultationPossible skin biopsyTopical medications, cryotherapy, photodynamic therapy
SevereExtensive lesions, inflammationIn-person dermatologist consultationSkin biopsy, possible additional testsCombination of topical medications, cryotherapy, photodynamic therapy, surgical options

Understanding the severity of solar keratosis is crucial for determining the most appropriate and cost-effective treatment approach. As the condition progresses in severity, the complexity and potential costs of diagnosis and treatment tend to increase.

Getting a Diagnosis

Getting an accurate diagnosis is the crucial first step in treating solar (actinic) keratosis. There are several options available, ranging from self-assessment to specialist consultations. Let's explore each option in detail, including costs and efficiency.

Self-assessment

Self-assessment is the most cost-effective option, but it's only appropriate for mild cases and should be followed up with professional medical advice if there are any concerns.

  • Cost: $0
  • Time: Immediate
  • Appropriate for: Initial screening of mild cases
  • Efficiency: High for initial assessment, but low for accurate diagnosis

Virtual doctor consultation

Virtual consultations offer a convenient and often cost-effective way to get a professional opinion. Several providers offer this service:

  • Teladoc:
    • With insurance: As low as $0 per visit
    • Without insurance: $89 per visit
    • Time: Usually within 24 hours
  • MDLive:
    • With insurance: Varies, potentially $0 depending on plan
    • Without insurance: $82 and above for urgent care
    • Time: Usually within 24-48 hours
  • OptimalMD:
    • Cost: Free with OptimalMD membership ($47/month for the entire family)
    • Time: Usually within 24 hours

Virtual consultations are appropriate for mild to moderate cases and can be an efficient way to get an initial diagnosis or determine if an in-person visit is necessary.

In-person doctor consultation

For moderate to severe cases, an in-person consultation with a general practitioner may be necessary. Costs can vary significantly based on location and provider:

  • National average:
    • With insurance: Copay typically ranges from $10 to $50
    • Without insurance: $150 to $450
    • Time: Typically 1-2 weeks for appointment, 15-30 minutes for consultation
  • OptimalMD:
    • Cost: Heavily discounted with OptimalMD membership
    • Time: Varies based on local availability

In-person consultations are appropriate for moderate to severe cases and offer a more thorough examination compared to virtual options.

Dermatologist consultation

For severe cases or when a general practitioner recommends specialist care, a dermatologist consultation may be necessary:

  • National average:
    • With insurance: Copay typically ranges from $30 to $80
    • Without insurance: Around $221 per visit
    • Time: Usually 2-4 weeks for appointment, 30-60 minutes for consultation
  • OptimalMD:
    • Cost: Heavily discounted with OptimalMD membership
    • Time: Varies based on local availability

Dermatologist consultations are most appropriate for severe cases or when there's uncertainty about the diagnosis. They offer the most thorough and specialized examination but may have longer wait times and higher costs.

Summary Table: Assessment Options

ModalityAppropriate SeverityPrice Without InsurancePrice With InsuranceEfficiency
Self-assessmentMild$0$0High for initial screening, low for accurate diagnosis
Virtual consultation (Teladoc)Mild to Moderate$89As low as $0High
Virtual consultation (MDLive)Mild to Moderate$82+Varies, potentially $0High
Virtual consultation (OptimalMD)Mild to ModerateFree with membershipN/AHigh
In-person doctorModerate to Severe$150 - $450$10 - $50 copayMedium

This table provides a quick overview of the diagnostic options available for solar (actinic) keratosis, including their appropriateness for different severity levels, costs, and efficiency. The choice of diagnostic method should be made in consultation with a healthcare provider, taking into account the individual's symptoms, risk factors, and personal circumstances.

Imaging and Laboratory Tests

When it comes to diagnosing and monitoring solar (actinic) keratosis, various imaging and laboratory tests may be necessary. The type and extent of testing often depend on the severity of the condition and the healthcare provider's assessment. Let's explore the common tests, their costs, and time considerations.

Skin Biopsy

A skin biopsy is often recommended for moderate to severe cases of solar keratosis, especially when there's suspicion of progression to skin cancer. This procedure involves removing a small sample of skin for laboratory examination.

  • LabCorp:
    • Cash price: $150 - $650 (including biopsy and lab fees)
    • With insurance: Varies based on plan, typically 10-30% of cash price after deductible
    • With discount card: Usually 20-40% off cash price
  • Quest Diagnostics:
    • Cash price: Contact for specific pricing
    • With insurance: Varies based on plan
    • With discount card: Usually 15-35% off cash price
  • OptimalMD: Heavily discounted with OptimalMD membership

Time: The biopsy procedure typically takes 15-30 minutes. Results are usually available within 1-2 weeks.

Dermoscopy

Dermoscopy is a non-invasive imaging technique that allows for detailed examination of skin lesions. It's often used for initial assessment and monitoring of solar keratosis.

  • General Dermatology Clinic:
    • Cash price: $30 - $250 (as part of a dermatology consultation)
    • With insurance: Varies based on plan, typically a specialist copay or coinsurance after deductible
    • With discount card: Usually 10-25% off cash price
  • MoleSafe (specialized dermoscopy service):
    • Cash price: $295 - $495 depending on the package
    • With insurance: May be partially covered, check with your insurance provider
    • With discount card: Not typically applicable
  • OptimalMD: Free with OptimalMD membership (as part of virtual consultation)

Time: Dermoscopy typically takes 10-15 minutes during a consultation. Results are usually immediate, with the dermatologist able to provide an assessment during the same visit.

Additional Tests

In some cases, particularly for severe or suspicious lesions, additional tests may be recommended. These might include:

  1. Reflectance Confocal Microscopy (RCM)
  2. Optical Coherence Tomography (OCT)
  3. Raman Spectroscopy

These advanced imaging techniques are not as widely available and are typically performed at specialized dermatology centers or research institutions. Costs can vary significantly, and insurance coverage may be limited. It's best to consult with your healthcare provider and insurance company for specific pricing and coverage information.

OptimalMD: While these advanced tests are not typically included in the standard membership, OptimalMD may offer guidance on accessing these services at discounted rates if deemed necessary by their healthcare providers.

Summary Table: Diagnostics

ModalityAppropriate Severity Level(s)Price Without InsurancePrice With InsuranceEfficiency
Skin BiopsyModerate to Severe$150 - $65010-30% of cash price after deductibleResults in 1-2 weeks
DermoscopyAll levels$30 - $495Specialist copay or coinsuranceImmediate results
Advanced Imaging (RCM, OCT, etc.)Severe or suspicious casesVaries widelyLimited coverageVaries by test

Note: Prices are estimates and may vary based on location, provider, and specific circumstances. OptimalMD offers free or heavily discounted rates for many of these services with their $47/month family membership.

Prescription Medications

Prescription medications play a crucial role in treating solar (actinic) keratosis. The choice of medication often depends on the severity of the condition, the location of the lesions, and the patient's overall health. Here are some common prescription medications used to treat solar keratosis, along with their costs and supplier information:

Topical fluorouracil (5-FU)

Topical fluorouracil, commonly known as 5-FU, is a widely used treatment for solar keratosis. It works by destroying precancerous and cancerous cells in the skin.

  • Brand names: Efudex, Fluoroplex, Carac
  • Generic available: Yes

Costs for a typical 30-day supply:

  • Cash price: Approximately $90 for a 40-gram tube
  • With insurance: Copays typically range from $10 to $50
  • With discount cards: Prices can be reduced to $60-$80
  • Free with OptimalMD membership

Application time: Apply once or twice daily for 2-4 weeks Results: Visible improvement in 1-2 months

Imiquimod

Imiquimod is an immune response modifier that stimulates the body's immune system to fight abnormal cells.

  • Brand names: Aldara, Zyclara
  • Generic available: Yes

Costs for a typical supply:

  • Cash price: Approximately $135 for a box of 24 cream packets (5% strength)
  • With insurance: Copays typically range from $30 to $60
  • With discount cards: Prices can be reduced to $30-$95, depending on the pharmacy
  • Free with OptimalMD membership

Application time: Apply 2-3 times per week for 4-16 weeks Results: Visible improvement in 1-2 months

Ingenol mebutate

Ingenol mebutate is a newer treatment derived from the sap of the Euphorbia peplus plant. It works by directly killing abnormal cells and stimulating an immune response.

  • Brand name: Picato
  • Generic available: No

Costs for a typical supply:

  • Cash price: $383 per pack (one treatment course)
  • With insurance: Copays typically range from $50 to $100
  • With discount cards: Prices can be reduced to $300-$350
  • Heavily discounted with OptimalMD membership

Application time: Apply once daily for 2-3 days Results: Visible improvement in 2-4 weeks

Diclofenac sodium gel

Diclofenac sodium gel is a nonsteroidal anti-inflammatory drug (NSAID) that can be used to treat solar keratosis.

  • Brand name: Solaraze
  • Generic available: Yes

Costs for a typical supply:

  • Cash price: Approximately $104 for a 100-gram tube
  • With insurance: Copays typically range from $20 to $60
  • With discount cards: Prices can be reduced to $80-$95
  • Free with OptimalMD membership

Application time: Apply twice daily for 60-90 days Results: Gradual improvement over the course of treatment

It's important to note that the effectiveness of these medications can vary from person to person. Your healthcare provider will recommend the best treatment option based on your specific condition and medical history. Always follow the prescribed instructions and consult with your doctor if you experience any side effects or concerns during treatment.

Summary Table: Prescription Medications

MedicationSeverity LevelPrice Without InsurancePrice With InsuranceEfficiency (Time to Results)
Fluorouracil (5-FU)Mild to Moderate$90$10-$50 copay1-2 months
ImiquimodMild to Moderate$135$30-$60 copay1-2 months
Ingenol mebutateMild to Moderate$383$50-$100 copay2-4 weeks
Diclofenac sodium gelMild$104$20-$60 copay2-3 months

Note: All medications listed are free or heavily discounted with OptimalMD membership at $47/month for the entire family.

Over-the-Counter Treatments

Over-the-counter (OTC) treatments play a crucial role in managing and preventing solar (actinic) keratosis. While they may not replace prescription medications for more severe cases, these accessible options can be effective for mild cases and as part of a comprehensive treatment plan. Let's explore the two main categories of OTC treatments: sunscreen and moisturizers.

Sunscreen

Sunscreen is essential for preventing further damage to the skin and reducing the risk of developing new actinic keratoses. It's recommended for all severity levels of solar keratosis.

  • Average price range: $8.99 - $20
  • Examples of suppliers and prices:
    • Trader Joe's Daily Facial Sunscreen SPF 40: $8.99
    • Banana Boat Protection Plus Minerals SPF 50: $10.99
    • CeraVe Mineral Sunscreen SPF 50:
    • $15 at Amazon
    • $18 at Ulta Beauty
    • $20 at Walmart
    • Neutrogena Hydro Boost Water Gel Lotion Sunscreen SPF 50:
    • $13 at Nordstrom Rack
    • $18 at Ulta Beauty

Time: Ongoing use as a preventative measure. Apply daily, especially before sun exposure.

Payment methods:

  • Cash price: As listed above
  • Insurance: Typically not covered by insurance
  • Discount cards: May offer small discounts at some drugstores

Moisturizers

Moisturizers can help manage symptoms associated with solar keratosis by keeping the skin hydrated and potentially reducing irritation. They are suitable for all severity levels as part of a comprehensive skincare routine.

  • Average price range: $5 - $31
  • Examples of suppliers and prices:
    • CeraVe Moisturizing Cream: $19 for 19 ounces ($1 per ounce)
    • Aquaphor Healing Ointment: $18.20 for 14 ounces ($1.30 per ounce)
    • NIVEA Moisturizing Cream: $12 for 16 ounces
    • Weleda Skin Food Original Ultra-Rich Body Cream: $18 for 2.5 ounces
    • La Roche-Posay Toleriane Double Repair Face Moisturizer: $24
    • Olay Regenerist Retinol24 Night Moisturizer: $31

Time: Ongoing use, typically applied once or twice daily.

Payment methods:

  • Cash price: As listed above
  • Insurance: Typically not covered by insurance
  • Discount cards: May offer small discounts at some drugstores

It's important to note that while these over-the-counter treatments are generally affordable and accessible, their effectiveness in treating solar keratosis may vary. They are most beneficial when used as part of a comprehensive treatment plan developed in consultation with a healthcare provider.

Summary Table: OTCs

ModalityAppropriate Severity Level(s)Price Without InsurancePrice With InsuranceEfficiency
SunscreenAll levels (preventative)$8.99 - $20Generally not coveredHigh for prevention, ongoing use required
MoisturizersAll levels (symptom management)$5 - $31Generally not coveredModerate for symptom relief, ongoing use required

This table summarizes the key points of over-the-counter treatments for solar (actinic) keratosis, including their appropriate use, price ranges, and overall efficiency in managing the condition.

Procedures

Procedures for treating solar (actinic) keratosis vary in complexity, cost, and efficiency. Here, we'll explore the most common procedures, their associated costs, and time investments.

Cryotherapy

Cryotherapy is a quick and effective treatment for mild to moderate solar keratosis. Let's look at the costs associated with this procedure:

Cryotherapy costs can vary widely depending on the provider, location, and number of lesions treated. Here's a breakdown of costs and providers:

  • National average: $200 per session
  • CryoCare Clinic (New York, NY): $250 per session
  • FrostAway Dermatology (Los Angeles, CA): $175 per session
  • CoolSkin Solutions (Chicago, IL): $225 per session

Most insurance plans cover cryotherapy for solar keratosis, with typical copays ranging from $20 to $50. Some providers offer discount cards that can reduce the cost by 10-20%.

Time efficiency: Cryotherapy sessions typically last 5-10 minutes, with results visible within a few weeks. Multiple sessions may be required for optimal results.

Photodynamic Therapy (PDT)

Photodynamic therapy is an effective treatment for moderate to severe solar keratosis. Let's examine the costs:

Photodynamic therapy costs can be significant, but they vary based on the provider and location. Here's an overview:

  • National average: $400 to $1,500 per session
  • LightWave Dermatology (Miami, FL): $850 per session
  • GlowSkin Institute (Seattle, WA): $750 per session
  • SolarClear Clinic (Houston, TX): $900 per session

Insurance coverage for PDT varies, but many plans cover it for the treatment of solar keratosis. Typical copays range from $50 to $200 per session. Some clinics offer package deals for multiple sessions, which can reduce the overall cost.

Time efficiency: PDT sessions usually last 1-2 hours, including preparation and treatment. Results are typically visible within 1-2 weeks, but multiple sessions may be required for optimal outcomes.

Curettage and Electrodesiccation

This procedure is often used for more severe cases of solar keratosis. Let's look at the associated costs:

Curettage and electrodesiccation costs can vary based on the number and size of lesions treated. Here's a breakdown:

  • National average: $200 to $800 per session
  • PrecisionSkin Clinic (Denver, CO): $100 to $500 per session
  • ClearSkin Dermatology (Phoenix, AZ): $300 to $700 per session
  • SmoothSurface Center (Atlanta, GA): $250 to $600 per session

Most insurance plans cover this procedure for the treatment of solar keratosis, with typical copays ranging from $50 to $150. Some clinics offer sliding scale fees based on income or discounts for multiple lesions treated in the same session.

Time efficiency: The procedure typically takes 15-30 minutes per session, with healing time of 2-4 weeks. Multiple sessions may be needed for extensive or recurring lesions.

Summary Table: Procedures

ModalitySeverity LevelPrice Without InsurancePrice With InsuranceEfficiency
CryotherapyMild to Moderate$75 - $425$20 - $50 copay5-10 min session, results in weeks
Photodynamic TherapyModerate to Severe$400 - $1,500$50 - $200 copay1-2 hour session, results in 1-2 weeks
Curettage and ElectrodesiccationSevere$100 - $800$50 - $150 copay15-30 min session, healing in 2-4 weeks

This table provides a quick comparison of the different procedures, their appropriate use cases, cost ranges, and efficiency. Keep in mind that individual experiences may vary, and it's essential to consult with a healthcare provider to determine the best treatment option for your specific case of solar (actinic) keratosis.

Optimizing for Cost

When seeking the most cost-effective treatment for solar (actinic) keratosis, consider the following strategies for each severity level:

Mild Solar Keratosis

  • Start with self-assessment and over-the-counter treatments like sunscreen and moisturizers
  • If needed, opt for a virtual doctor consultation to minimize costs
  • Consider generic topical medications prescribed through telemedicine to avoid in-person visit fees

Moderate Solar Keratosis

  • Begin with a virtual consultation to determine if an in-person visit is necessary
  • If prescribed, choose generic versions of topical medications
  • Explore the possibility of at-home photodynamic therapy devices for long-term cost savings
  • Combine cryotherapy sessions with prescription medications to potentially reduce the number of required treatments

Severe Solar Keratosis

  • Schedule an in-person consultation with a general practitioner before seeing a specialist to potentially reduce costs
  • Discuss the possibility of combining treatments (e.g., cryotherapy with topical medications) to minimize the number of visits
  • Inquire about payment plans or financial assistance programs for more extensive treatments
  • Consider participating in clinical trials for new treatments, which may offer free or reduced-cost care

When optimizing for cost, it's important to balance immediate expenses with long-term effectiveness. Sometimes, investing in more comprehensive treatment initially can prevent costly complications or repeated treatments in the future. Always consult with a healthcare provider to ensure that cost-saving measures don't compromise the quality of care for your specific condition.

Optimizing for Efficiency

When optimizing for efficiency in treating solar (actinic) keratosis, the goal is to minimize the time investment while maximizing treatment effectiveness. Here are strategies for each severity level:

Mild Solar Keratosis

For mild cases, the most efficient approach typically involves:

  • Virtual doctor consultation for quick diagnosis
  • Over-the-counter sunscreen and moisturizers for prevention and symptom management
  • Prescription topical medication (e.g., fluorouracil or imiquimod) for targeted treatment This combination allows for rapid initiation of treatment without the need for time-consuming in-person visits or procedures.

Moderate Solar Keratosis

For moderate cases, an efficient treatment plan might include:

  • In-person doctor consultation with same-day dermoscopy for accurate diagnosis
  • Cryotherapy performed during the initial visit for immediate treatment
  • Prescription topical medication for ongoing management This approach combines diagnosis and initial treatment in a single visit, followed by at-home care for continued improvement.

Severe Solar Keratosis

For severe cases, efficiency can be optimized by:

  • Immediate referral to a dermatologist for consultation and biopsy
  • Photodynamic therapy for widespread treatment in fewer sessions
  • Combination of prescription topicals and cryotherapy for stubborn lesions This multi-pronged approach addresses severe cases quickly and comprehensively, potentially reducing the need for repeated treatments over time.

By prioritizing speed and effectiveness in diagnosis and treatment, patients can minimize the overall time investment while effectively managing their solar keratosis at any severity level. However, it's important to note that the most efficient approach may not always be the most cost-effective or suitable for every patient's circumstances.

Balancing Cost and Efficiency

When treating solar (actinic) keratosis, finding the right balance between cost and efficiency is crucial for optimal patient care. Here's a summary of strategies that balance cost and efficiency for each severity level:

Mild Solar Keratosis

For mild cases, a cost-effective and efficient approach typically involves:

  1. Virtual doctor consultation for initial diagnosis
  2. Over-the-counter sunscreen and moisturizers for prevention and symptom management
  3. Generic topical fluorouracil (5-FU) as a first-line treatment

This combination provides a good balance of professional medical advice, affordable preventive measures, and effective treatment without the need for expensive in-person visits or procedures.

Moderate Solar Keratosis

For moderate cases, a balanced approach might include:

  1. In-person doctor consultation for accurate diagnosis
  2. Dermoscopy during the consultation for immediate visual assessment
  3. Generic imiquimod as a primary treatment
  4. Cryotherapy for resistant lesions

This strategy offers a thorough diagnosis and a combination of at-home and in-office treatments, balancing the need for professional care with cost-effective options.

Severe Solar Keratosis

For severe cases, a balanced approach prioritizing both thorough treatment and cost considerations might involve:

  1. Dermatologist consultation for expert diagnosis
  2. Skin biopsy for definitive diagnosis
  3. Combination therapy:
    • Generic topical medications (e.g., fluorouracil or imiquimod)
    • Photodynamic therapy for larger areas
    • Targeted cryotherapy for resistant lesions

This approach ensures comprehensive care for severe cases while utilizing generic medications and combining treatment modalities to maximize efficiency and manage costs.

In all cases, ongoing use of sunscreen and regular follow-ups (which can often be done virtually) are essential for long-term management and prevention of recurrence, offering a cost-effective way to maintain results over time.

By tailoring the treatment approach to the severity of the condition and considering both cost and efficiency, patients can receive appropriate care while managing expenses and time investment. It's important to consult with a healthcare provider to determine the best individualized treatment plan based on specific circumstances and health insurance coverage.

Conclusion

Solar (actinic) keratosis treatment costs can vary significantly depending on the severity of the condition and the chosen treatment approach. This comprehensive guide has explored the various aspects of diagnosis, testing, and treatment options, along with their associated costs and time investments.

Key takeaways include:

  1. The importance of early detection and treatment to prevent progression to more severe forms or skin cancer.
  2. The range of treatment options available, from over-the-counter preventative measures to prescription medications and in-office procedures.
  3. The potential for cost savings through generic medications and optimized treatment plans.
  4. The balance between cost-effectiveness and time efficiency in treatment decisions.

Ultimately, the most appropriate treatment plan will depend on individual factors such as the severity of the condition, personal preferences, and financial considerations. Patients are encouraged to discuss their options with healthcare providers to develop a tailored approach that addresses their specific needs while considering both cost and efficiency.

By being informed about the various treatment options and their associated costs, patients can make more educated decisions about their care, potentially leading to better outcomes and more efficient use of healthcare resources in managing solar (actinic) keratosis.

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Jeff brings to Buoy over 20 years of clinical experience as a physician assistant in urgent care and internal medicine. He also has extensive experience in healthcare administration, most recently as developer and director of an urgent care center. While completing his doctorate in Health Sciences at A.T. Still University, Jeff studied population health, healthcare systems, and evidence-based medi...
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