Ever hear of a “pay what you can” restaurant? No? Me neither. Maybe the insurance companies can take a tip or two from Panera — Medicare part D plan.

Panera converted a restaurant into a nonprofit pay-what-you-want restaurant to feed the needy and raise money for charity. Panera chairman Ronald Shaich said the restaurant is a big success.

Based on community kitchens, Panera’s success involves three cafes so far. It plans to add a new restaurant every three months.

Most customers pay retail value or more. About 60 percent leave the suggested price. About 20 percent leave more and 20 percent leave less.