A New and Better Way:
Direct Primary Care

Direct Primary Care (DPC) offers a membership-based approach to routine and preventive care that can dramatically reduce health care costs for individuals, families and businesses.

At the core of DPC is a medical practice dedicated to providing routine, everyday care, essential for the well-being and ongoing maintenance of a patient’s health. This is where patients go for check-ups, vaccinations, annual physicals and lab work, sprained ankles, or frequent headaches.

It’s like having your doctor on speed-dial.

Patients (or their employers) pay one low monthly fee directly to their DPC facility for all of their everyday health needs.

There is none of the paperwork and expense required today by insurance reimbursement – no procedure or billing approval, deductibles or co-payments. With a lower business overhead and dramatically less paperwork, primary care providers are no longer forced to squeeze in an unmanageable number of patients and can instead take the time necessary with each patient to deliver high-quality, personalized care.

Accidents do happen, so the typical patient in a DPC practice keeps a catastrophic insurance plan (i.e. Liberty Health Share or Christian Health Ministries) to cover emergencies and serious illnesses. Because this insurance doesn’t need to cover routine care, many patients choose a less comprehensive plan with a higher deductible and lower premium.

Lower Costs

With traditional insurance-paid primary care, where each and every part of your medical care is billed to a third party payor, reimbursement costs consume more than 40 cents of each dollar. Eliminating the traditional insurance model from primary care, makes that 40 cents available for actual health care – more time with each patient, more on-site services and diagnostics, and more patient-provider support technology.

Patients Save

The combined cost of the DPC monthly fee and a lower-premium insurance plan is significantly lower than paying for traditional health insurance. This is important when more than three-quarters of America’s uninsured are working families. With DPC, supported by a low-premium “wrap-around” insurance plan that covers everything primary care facilities do not, cost to families can drop by as much as 50%, saving hundreds or even thousands annually.

Higher Quality Care

A smaller patient pool allows primary care providers to spend more time with each patient. Instead of being rushed through a 5- or 10-minute appointment on what feels like a conveyor belt, patients are allocated the time they need – even if it is an hour or more – to discuss health details with doctors or nurse practitioners. As a result, doctor visits are no longer restricted by bank accounts, and patients are seeing their providers whenever necessary to manage their health issues and improve their quality of life.

Typical Family of Five Patient Experience

Here are some examples of what a typical family of five experiences in the Fee For Service model (FFS) vs the Direct Primary Care model.

No Catastrophic Coverage

FFS DPC
Average time till appointment 19.8 days 1 day
Time with doctor (well) 15 minutes 50 minutes
Time with doctor (sick) 10 minutes 50 minutes
Insurance premium total (yearly) $16,741 *$2,085
Total expense well visit $132
Total expense sick visit $500
Membership fee (yearly family total) $2,235
Total prescription expense $1,007 $100
Total expenses $18,380 $4,420

This family saves 76% overall by switching to a DPC model.

* The $2,085 reflects the 2016 tax penalty the family was charged when they decided not to purchase health insurance. You are not required to purchase insurance in order to participate in direct primary care. However, you are highly encouraged to purchase insurance, so you can avoid the tax penalties.

With Catastrophic Coverage

FFS DPC
Average time till appointment 19.8 days 1 day
Time with doctor (well) 15 minutes 50 minutes
Time with doctor (sick) 10 minutes 50 minutes
Insurance premium total (yearly) $16,741 * $11,476
Total expense well visit $132
Total expense sick visit $500
Membership fee (yearly family total) $2,235
Total prescription expense $1,007 $100
Total expenses $18,380 $13,811

This family saves 25% overall by switching to a DPC model.

* The $11,476 reflects the total cost of a high deductible “wrap around” policy the family purchased in order to the avoid tax penalties that are associated with not purchasing an insurance policy. This particular plan is used to cover any specialty visits, procedures, or hospitalizations the family might need. The $11,476 (total cost) is based on a plan in Tennessee (Nashville – 37205). These rates will vary by State. The family saves 31% by using this type of policy vs. an Obamacare policy.

Call us today at 615-669-8347 to sign up or fill out this form to receive more information.

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