Real-world Examples

 

Here are two examples of how dpc can improve your healthcare coverage and save money

For those not well-versed in insurance lingo, a premium is what you pay every month to obtain health insurance while a deductible is the amount you must pay before insurance starts paying for your care.

1) 27yo female, works as restaurant server, no chronic medical concerns, does use tobacco products

  • Option 1: Insurance through HEALTHCARE.gov. Premium is $178/mo, deductible is $7,900 - this option encourages the patient not to seek care due to the very high deductible.

  • Option 2: Insurance through HEALTHCARE.gov: Premium is $338/mo, deductible is $2,250 (considered “good”) - this option is almost double the price of option 1 and still encourages the patient not to seek care due to a hefty deductible.

  • Option 3: Take insurance from Option 1 and combine with DPC membership. Cost is $243/mo between the two, no deductible due to having DPC membership. This encourages the patient to use her doctor and get healthy and she saves about $100/mo over option 2.

2) Family of four, two 40 year-old parents own a small business, one 11 year-old girl and one 9 year-old boy; father has high blood pressure and obesity, mother has fibromyalgia, children are healthy.

  • Option 1: Insurance through HEALTHCARE.gov. Premium is $752/mo, deductible is $16,300 - this option encourages the family not to seek care due to the very high deductible.

  • Option 2: Insurance through HEALTHCARE.gov. Premium is $1,778/mo, deductible is $3,000 (considered “good” but still high) - this option is more than double the price of option 1 and still encourages the family to limit their care due to a hefty deductible.

  • Option 3: Combine health sharing membership with DPC membership. Health share membership contribution is approximately $450/mo. Add DPC membership for $220/mo for total monthly membership of $670, no deductible and this encourages the family to use their doctor. This is more affordable than option 1.