What you do
- Take excellent care of your patients.
- See your Medicare Advantage panel the way you already do.
- Submit claims on time and complete annual wellness visits.
- Document fully and accurately — we help you get there.
Virtue IPA · Independent Physician Association
Where patients and providers rise together
A medical group where doctors are inspired rather than policed — and patients get more value from the care they already have.
For Providers
Mutual success through friendship and partnership
Too often, medical groups view their participating doctors as forces needing to be policed, rather than as collaborators in the care of shared patients. Providers and office staff don't need policing — they need inspiration and support. When we recommend a path to success, it's because we practice it ourselves and have found it works.
The Rules of Virtue IPA
- Mutual success is through friendship and partnership
- The only way to the top is through rising together
- Be the example you want others to become
- Aim first to do good, and then the business will follow
- Tell the truth and be transparent
- Don't be annoying
- Inspire and don't insult
- Say sorry for mistakes and fix them
- Being the best requires starting from humility
- Listen and don't lecture
- Be in constant pursuit of improvement
- Winning together requires sharing, not selfishness
- Uplift and don't undermine
- Ask for God's blessings on us and our practices
The partnership ledger · Medicare Advantage 2026
What your practice earns
Transparent, no fine print. The numbers tell one story — the way we work together tells the rest.
- $205/mo
- Top capitation per member, per month at higher RAF scores
- 50%
- Of the institutional (hospital) risk pool when you hit the marks
- Large annual bonuses
- With strong panel performance
MONTHLY CAPITATION BY RAF
| Member RAF | PMPM |
|---|---|
| 0.0 – 0.99 | $135 |
| 1.0 – 1.09 | $145 |
| 1.1 – 1.199 | $155 |
| 1.2 – 1.299 | $165 |
| 1.3 – 1.399 | $175 |
| 1.4 – 1.499 | $185 |
| 1.5 – 1.599 | $195 |
| 1.6 + | $205 |
INSTITUTIONAL RISK POOL SHARE
| Share | Claims | AWVs | Stars |
|---|---|---|---|
| 50% | ≥ 85% | ≥ 90% | ≥ 4.0 |
| 45% | ≥ 80% | ≥ 90% | ≥ 3.5 |
| 40% | ≥ 70% | ≥ 85% | ≥ 3.0 |
| 35% | ≥ 70% | ≥ 80% | ≥ 2.5 |
| 30% | Below 50% claims, 80% AWVs, or 2.5 stars | ||
2026 schedule · we walk the full sheet with you before you sign anything.
For physicians · how the partnership works
Aim first to do good. The business follows.
Higher reimbursement, a real share of the hospital risk pool, and a relationship that doesn’t feel transactional — built on partnership, not extraction.
What we do
- Concrete, actionable data on your patients.
- Risk adjustment, HCC capture, and coding support.
- Stars and quality improvement, hands-on.
- Care management for your highest-risk patients.
- Competitive capitation that pays you for your work.
The difference
- Physician-led. Not private equity.
- Built on partnership, not extraction.
- Transparent compensation. No hidden tiers.
- Local support that answers the phone.
The full 2026 schedule is on the table above — the partnership ledger. No hidden tiers.
For Patients
More value from your healthcare experience
Virtue IPA increases the value of your care by contracting strong primary care providers trained specifically to address the common problems in healthcare.
Fewer avoidable hospitalizations
No one wants a hospital or emergency department visit when it can be prevented — long waits and a draining experience. Our providers are trained and given concrete strategies to prevent avoidable hospitalizations and ED visits whenever possible.
Necessary screenings, on track
The standard of care means staying on top of screenings — colon cancer screenings, mammograms, and more. Tracking them across large patient panels is hard, so we give practices the support to get our patients' screenings done.
Quality specialists, real choice
HMO coverage doesn't have to feel restrictive. We sought out high-quality specialists with dependable reputations — and multiple specialists per field — so patients have genuine philosophical and medical fit.
For patients · switching is one call
How to switch to a Virtue IPA provider
Pick a Virtue IPA provider
Choose a Virtue primary care office near you to be your new primary care physician (PCP).
Call your plan’s member services
Use the member-services number on the back of your insurance card and ask to change your PCP.
Name the provider + Virtue IPA
Give them your new provider’s name and group — Virtue IPA. The change usually takes effect the first of the next month.
“Hi — I’d like to change my primary care physician to [provider name] with Virtue IPA, effective the first of next month.”
Email us and we’ll help you switchPrefer to call? Use the member-services number on your insurance card.
What value-based care means to us
Value-based care has a twofold meaning. As the phrase is typically used in healthcare, it means cost-effective practices that produce good outcomes. But value-based care can never stray from the core concept of value — that human life is intrinsically valuable. Any conception of value in a cost-savings sense must be secondary to, and derivative of, the value of human life.
What makes our IPA unique
An evidence-based curriculum
We're unique in giving our providers a rigorous curriculum that develops a clinical intuition aligned with value-based care.
Explore the Virtue Value-Based CurriculumMobile providers
For qualifying patients who become bedbound, homebound, or otherwise high-risk, our IPA has a mobile division — Virtue Mobile Care — that serves these patients at home.
Visit Virtue Mobile CareFrequently asked questions
How does Virtue IPA help prevent avoidable hospitalizations?
We provide guidance and training to primary care practices to work with patients on preventing avoidable hospitalizations and emergency department visits — the foundation of our value-based strategy.
Will I have a choice of specialists?
Yes. We deliberately contracted multiple high-quality specialists per field so patients have choice, rather than being limited to a single option.
What makes Virtue IPA different for providers?
We treat participating doctors and staff as collaborators, not forces to be policed. Providers also receive our evidence-based value-based-care curriculum, and qualifying high-risk patients can be served by our mobile division, Virtue Mobile Care.
How do I find out more about joining?
Email ipa@virtuemd.com and we'll walk you through partnering with Virtue IPA — whether you're a practice interested in joining or a patient wanting our office as your primary care.
Join Virtue IPA
Whether you're a practice interested in partnering or a patient who wants our office as your primary care, we'd love to hear from you.