It is that time again. Time to understand Direct Primary Care Math and healthcare options for 2019.
When it comes to those already knowing membership benefits, may this serve as your annual reminder of why you are so smart. It might even provide ideas on how you can save further. If you are looking at open enrollment like a deer in headlights, may this shed light on approaching your health care dollars differently in 2020. If you are worried about your addiction to health insurance, you can read more here. It’s not that we think you shouldn’t have it (you should) it's just time to give up the 1990s notion that there is such a thing as “good insurance”. Get what you need to cover yourself in a collision with the healthcare industry. For everything else, let our membership help you save.
Every year, I go on the exchange and shop for my family of four to compare premiums, deductibles and learn the new insurance players on the market. Turns out, again, we can save you money. Here’s how it shakes out:
The caveat? For one, our family is not in the age bracket that gets the astronomical rates, the 55-64 group. If that is you, we are sorry, your rates can get close to the family of four for one person alone to get a “low deductible” plan. Definitely come and talk with us.
Secondly, looking at deductibles and premiums does not tell the whole story. When it comes to cost savings check out our article from last year, the same per visit, lab and prescription savings continue to apply. In fact, our lab costs went down this year and we now include our basic lab panel after 6 months of membership.
This year, like every other, we hear more about astronomical health care costs. Shockingly, a local hospital charged $46,000 to our patient when we had to send him for symptoms of a stroke. During his stay he was charged $16,000 for one MRI. With our membership discounts, the MRI would have been $485.80, if it had not been an emergency. Most of the time we can prevent these high cost visits all together. If we can prevent you needing the ER one time, you save your whole year of our membership (just $900 for one person). Good preventative medicine, a proactive team and your motivation go a long way to prevent emergencies.
I am a small business owner, health care savvy and cost conscious (as many of you are). So here’s what we did this year. We looked at a health share option for our employees and their families. Nextera Healthcare has been partnering their DPC with Sedera for over a year and they have had good experiences. I have been wary of health shares in the past, but Sedera seems to know what they are doing. Read more about their approach to medical cost sharing here. Having a direct primary care membership gets you an even lower rate for Sedera. Sign up with us, or if you are already a member, ask for our link to get more information.
Oh, and did you hear? Sesame Health, a cash based healthcare marketplace, is coming to Denver. Check out their Kansas City page and search to see what it will look like when they launch their network here in 2020.
What does this mean for you?
If you change your mindset and realize that healthcare is cheaper with cash, then Direct Osteopathic Primary Care + Sesame + Sedera is for you.
Direct Osteopathic Primary Care covers primary care and preventative health. Visits, labs, prescriptions, imaging and our unique holistic approach.
Sesame helps you find ways to stretch your healthcare dollars outside of our office - specialty practices, eye and dental.
Sedera covers you in an emergency. Sharing your costs if there is an accident or hospitalization. Get on the direct primary care bandwagon, it just makes sense.
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Our Vision at Direct Osteopathic