MEDICAL COST-SHARING

 Insurance is a paid premium for financial protection against unpredictable losses & large expenses. It is made from the collective contributions of those participating and used for major events such as damage to vehicle, or to your home from a tornado.  When it comes to healthcare, transparency is often difficult to find with many costs unknown to the general public. This creates a false need to use insurance for routine care. Health care facilities marketed by insurance companies indicate they are advocating for you to have the best value through your insurance plan yet charges are bloated, and ‘discounts’ off these ‘bloated’ charges still remain unreasonably high.

Insurance is not best used as a form of payment for routine, affordable care. 

Insurance is not best used for medicine that doesn't need a copay and is affordable. 

Insurance is not best used for  laboratory and radiology services that are transparent & affordable.

The Direct Primary Care (DPC) membership model is routine, common care and built upon a relationship and solid foundation promoting health through time, access and affordability. It helps protect against the use of insurance for non-emergency care which can include physician consultations and ancillary services such as laboratory or radiology. There are even now some surgical facilities now have all-inclusive pricing for non-emergent surgical procedures. The Town Doctor® provides care that is transparent, affordable and predictable. Being that we do not need to use your insurance for what is routine, zero claims are processed which helps from driving up the cost of insurance year after year. Most people are tired of those rate hikes and increases. The stronger the relationship and the longer you use direct primary care as the foundation of your healthcare, the better your investment in good health can be.

A Direct Primary Care (DPC) membership puts you in the drivers seat allowing you to purchase catastrophic insurance or cost-sharing plans that costs much less. By choosing Direct Primary Care and pairing it with the ‘right’ coverage, two wonderful things can happen here:

 You now have access to good, affordable primary care in your front pocket.

You have coverage or insurance in your back pocket should you need it. 

Unless you have the need for chronic medical care from physician specialists and expensive medication (approx 15% of you), a cost-sharing plan may be something to consider. It pairs together with DPC perfectly, and combined with DPC can cost about half of a traditional insurance design.

We’re redesigning the healthcare landscape, and hope to help lead you to solutions that make you feel healthier.

*The spreadsheet below is provided for information only, and not meant to be an endorsement of any particular programs.