Direct Medical Care
You don’t need health insurance; it’s just you and your doctor. We offer two approaches:
1. $95 per month/one year contract, covers unlimited office visits with timely appointments and generous time to be seen. All labs, EKGs, urinalyses are covered and there is no additional ‘copay’.
2. Single appointments for a ‘physical’ cost $200 for a new patient and $100 for subsequent visits. Lab charges are extra, but typically will cost $125 – $300, depending on what tests are obtained. EKGs are $45
What is Direct Medical Care?
The value of having a solid internal medicine, primary care physician is critical. Now, you have someone to lean on, to guide you towards achieving optimal health, to respond promptly to your health needs, to assist you to navigate the health care system and find the right specialists or obtain the right testing.
With insurance, costs are hidden; for example, the charge for an MRI is typically $3000. Whatever insurance doesn’t pay is then your responsibility.
With direct care, the cash cost for an MRI is $300. This pattern of cash discount is seen throughout the health care system. The cash cost for everything from imaging studies to surgeries, even hospitalizations, is a fraction of the charges submitted when insurance is applied.
You say, “OK”, but what about the mandate that the government ‘requires’ you to buy health insurance? Or you will get a tax penalty?
It turns out that the average penalty will be the greater amount of either $ 95 or 1% of the difference between one’s annual income and the national average ‘bronze premium’, which comes to $10,150. As an example, if one made $40,000 for the year, the penalty would be 1% of $29,850 ($40,000 –$10,150=$ 29,850). This comes to $298.50.
And to avoid the penalty, you pay $10,150 for the bronze premium plan. But, what do you get for that premium? It turns out, this plan has a $6,600 annual deductible and charges are covered at 60/40, meaning the insurance pays 60% of the bill and you pay the other 40%. So, in that above example, right off the bat, if you don’t even see a doctor, you will be paying nearly $10,000 more than the penalty, if you had no insurance. And, if you do see a doctor, you will be paying much more, given the fact that 40% of the bill will be paid by you, and this continues up to a maximum of $6,600.
Although the threat is that the penalty will increase to 2%, which will be assessed by April 2016 for the previous year, the odds are that the national bronze premium will also increase. Furthermore, it is a sure bet that fewer doctors will even accept that plan, knowing that they have to collect 40% of the bill from the patients themselves.
Insurance companies are profitable because they know that the odds of going to the hospital for the average healthy person is less than 1%. Furthermore, there is a myth that people without health insurance often go bankrupt when faced with a major medical bill. The truth is that although medical bankruptcies are relatively common, the vast majority occur in patients who HAVE health insurance - because of the excessive bills and unpaid amounts that insurance coverage doesn’t allow. So, it appears that health insurance is fast becoming a hollow benefit.
For more information on Direct Medical care, see Dr. Flyer's blog article.
Consider DIRECT MEDICAL CARE. It makes a lot of sense.