Out-of-Network Concierge Care · Charlotte, NC
A surgical model built around clinical necessity — not billing codes. No membership fees. Unhurried consultations. Direct post-operative access to Dr. Stepp.
In insurance-driven systems, time with a surgeon is a finite, billable resource — allocated by diagnosis code, not by anatomical complexity. For advanced pelvic reconstruction and surgical artistry, that constraint is clinically unacceptable.
Operating outside insurance networks allows Dr. Stepp to determine surgical scope based on intraoperative findings rather than pre-authorized codes. Whether you present with stress urinary incontinence requiring a mid-urethral sling, a complex pelvic floor defect, or an anatomical concern requiring aesthetic correction, the plan is built around your anatomy — not a reimbursement schedule. No required monthly or annual membership fees apply to this practice.
Priority surgical scheduling is standard, not a premium add-on. There are no call centers or triage systems. All surgical patients receive a direct line of communication with Dr. Stepp's team, including personal post-operative contact. Physician referrals are welcomed at (980) 771-0726.
Insurance-mandated visit lengths average 12–18 minutes. This practice does not operate under that constraint. Consultations are scheduled for the time required to review your history, examine your anatomy, and build a surgical plan. If your case requires a longer conversation, that time exists.
Surgical complication rates correlate directly with operative duration. Fellowship research central to Dr. Stepp's training documents this relationship across complex pelvic cases. An experienced, focused surgical team and efficient operative sequencing minimize anesthesia exposure — a clinical priority, not a marketing claim.
Insurance carriers routinely deny coverage for PRP, exosome therapy, and peptide-based healing protocols — regardless of clinical indication. This model removes that barrier. Where regenerative adjuncts are appropriate, they are available and incorporated without pre-authorization delays.
Following your initial consultation, you receive an itemized surgical quote intended to clarify the expected components of your care:
Purely elective cosmetic procedures — such as aesthetic labiaplasty or labia majora augmentation — are not covered by commercial insurance and are not submitted for reimbursement.
A Superbill is a detailed, itemized medical receipt that includes all diagnostic and procedural codes required to file an out-of-network insurance claim. When a surgical case includes a medically necessary component — rectocele repair, stress urinary incontinence correction, pelvic organ prolapse reduction — the Superbill enables you to submit that portion directly to your insurer.
Payment is collected by the practice prior to surgery. The Superbill is provided after your procedure for patient-initiated claim submission. Reimbursement is determined by your individual plan's out-of-network benefits and cannot be promised by this practice.
HSA and FSA eligibility varies by plan and should be confirmed with your administrator.
Questions about your specific situation? Ask the — instant answers, no phone call needed.
The Private Concierge explains how the concierge model works — fees, superbills, scheduling, travel, and what your first visit looks like — instantly, before you ever pick up the phone.
General information, not medical advice. Not for emergencies. For urgent concerns, call (980) 771-0726.
Dr. Kevin Stepp, MD, FACOG, URPS sees patients at 11210 Golf Links Dr North, #100, Charlotte, NC 28277. Consultations are available for both surgical and non-surgical evaluations.