The very concept for and purpose of insurance is to protect one against unpredictable and large expenses, such as damage to your vehicle from an accident, or to your home from a hurricane. In health care where there is no transparency, most health care costs are unknown. Health insurance gradually morphed to provide “coverage” for everything, from the routine care such as doctor’s visits, ancillary services (laboratory and radiology) and prescriptions to the catastrophic needs when one gets hospitalized or requires emergency surgeries.
Direct Primary Care solves the routine care dilemma by making the cost of health care and ancillary services all transparent, affordable and predictable with the all-inclusive monthly membership. In so doing, Direct Primary Care renders health insurance irrelevant for most routine needs. Then by removing the routine care from traditional health insurance, the cost for such is dramatically lower, as in the case of most health cost sharing plans. These plans perfectly pair with a Direct Primary Care membership to deliver you a health care solution that is better than most traditional insurance offerings, yet cost half as much.
Unless you have chronic medical conditions that truly require the care of a specialist physician and expensive medications, these health cost sharing plans will be just what you need. Most medical conditions that are currently managed by specialist physicians can be cared for by a Direct Primary Care physician who is not spending time running from room to room seeing 25-30 patients a day as in a traditional medical practice. That practice setting favors referrals for almost everything due to time constraints and network referral pressure.
-courtesy of ochna health