A person with allergies, migraines, etc. is almost certainly better served by going to their general practitioner for a $20 copay.
So my point was to pay more that 20 but less than given minimum 5000.
$5,000 would buy me consultations with 250 allergists, who'd likely be basing their conclusions on the same sort of research available to the health researchers at MetaMed, as well as it being their actual medical specialty.