Open Enrollment may indicate a farewell to savings

November 1st marks the start of Healthcare.gov’s annual open enrollment period.  Here’s an example of what our neighbors who don’t qualify for a subsidy should expect.  For an  average small business owner family (two parents, two school age kids) with no subsidies, they have this to look forward to.

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It is incredibly demoralizing to think that an average small business owner with a family of four might have to pay the equivalent of their mortgage for a plan that doesn’t pay anything until they’ve spent $11,300 out of pocket.  If they actually need care they might be paying even more out of pocket.

We need a better way.  In part, Direct Primary Care offers a better way.  While we can’t change how much insurance costs when the government buys it (although we do vote and that’s something), we can change how expensive high quality primary care is.

As the largest Direct Primary Care program in the area, we are able to offer the lowest cost option for services.  With your monthly membership there is no cost for office visits, no cost for phone calls, no cost for email contact with your physician (seriously, here’s Dr. McColl’s direct patient email: mbmccoll@secure.trinitymedical.net), and no cost for most in-house labs or labs needed to manage diabetes, high blood pressure, or high cholesterol.  We offer a simple, straightforward plan for you to be able to take care of your health needs.  Everything that isn’t covered by membership is priced as low as we can make it and discussed before it is done.  You’ll never be surprised by a bill.  Just check out our Trinity Direct Primary Care Lab Test Pricing Guide to see some of the savings you can expect.

In the coming year we will be adding medication dispensing at wholesale prices, telemedicine specialty consultations to help us manage complex issues without patients having to see as many specialists, and counseling with a nutrition expert at our office.  Stay tuned for those details.

Give us a call to schedule your own personal Meet and Greet or Medical Consult to get to know us better.  When you’re ready to save money on primary care and experience ‘Healthcare without hassles, built for you’ then sign up online.  We’re offering a special coupon to anyone who signs up the first seven days of open enrollment.  We’ll give you one free month of membership in the form of 10% off membership rates for 10 months.  Just follow this sign up link to get the discount.

We’re ready for a change in healthcare, are you?

Obamacare premiums expected to climb 38% nationwide

Axios.com reported this interesting infographic on the predicted average increases of Obamacare premiums when open enrollment starts November 1st.  It is expected to be a sharp increase again.  Tennessee is slated to be a 20% or higher increase as a statewide average. Knox County has fared worse than most Tennessee regions in the last couple years.  Many patients choose lower tiered plans to shave cost off their premiums only to find that their deductibles are so high they provide no practical help with day to day health needs. Even the gold plan requires  nearly $1200 out of pocket before it starts to cover routine primary care needs. 

Trinity Direct Primary Care stands ready to provide exceptional primary care services for you and your family regardless of insurance coverage or deductibles.  We offer month to month memberships that cover all visits, all phone calls, and emails with your physician and most in house labs such as strep tests and flu tests as well as many labs used to manage common medication concerns such as diabetes and hypertension.  One out of pocket payment for a walk in clinic or urgent treatment center often exceeds 2-3 months of membership costs. One 15 minute visit for the same price as 3 months of access in Direct Primary Care. Which seems like a better deal to you?