Terminology According to the Diagnostic and Statistical Manual, the clinical criteria for "drug dependence" or what laymen refer to as "addiction" include: compulsive drug use despite harmful consequences; inability to stop using a drug; failure to meet work, social or family obligations; and sometimes, depending on the drug, tolerance and withdrawal. Tolerance and withdrawal reflect physical dependence of where the body adapts to the drug, requiring more of it to achieve a certain effect resulting in specific physical or mental symptoms when drug use stops abruptly. Physical dependence can happen with the chronic use of many drugs even when the user takes a prescribed drug. Thus, physical dependence in and of itself does not constitute addiction, but often accompanies addiction. Dosages of prescribed pain medications can change to meet the need of the patient if there is increasing pain, but can also represent tolerance or the worsening of underlying problem like addiction. Because some psychotherapeutics have an associated risk of dependency, like benzodiazepine, which treats anxiety or sleep disorders and opioids that treat pain, it is important for patients to follow dosage instructions faithfully. Physicians must monitor patients carefully. To minimize the risk of dependency, a physician or other prescribing health provider should be aware of the prior or current substance abuse problems of every patient, as well as any family history of addiction.

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Some concierge practices do not accept insurance of any kind. These are as cash-only or direct primary care practices. By refusing to deal with insurance companies, these practices can keep overhead and administrative costs low, thereby providing affordable healthcare to patients. They become concierge only if the practice assesses an annual or monthly fee instead of or in addition to a fee for each medical service. Other concierge practices do take insurance, even Medicare, but ask for an annual fee for additional services exclusive of insurance plans. This annual fee is not a substitute for medical insurance, and generally does not cover consultations outside the practice, laboratory procedures, medicines, hospitalizations, or emergency care from other providers. 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