VIGNETTE: TO BOUTIQUE OR NOT TO BOUTIQUE The physicians of a moderate-sized family practice clinic are concerned about changes in insurance programs. They believe the substantial costs in time and money the clinic and its medical professionals spend dealing with insurance companies may be better spent delivering care. Similar practices have dropped insurance entirely in favor of a boutique approach, where patients pay a fixed flat amount for a year of unlimited services. The clinic board charters a team to examine the concept and obtain concrete data from boutique practices. This will be used to determine the advisability of such a change in the clinic's marketplace