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?

Article: To Save Money On Health Costs, Try Putting Away Your Insurance Card

Forbes contributor Jeanne Pinder penned an article a couple days ago about the growing futility of having health insurance in saving you out of pocket costs.

To Save Money On Health Costs, Try Putting Away Your Insurance Card

If I could emphasize one point from this article it would be this:

The big thought here: Health insurance does not equal health care. In fact, your health insurance might give you access to a higher price.

Health insurance does not equal healthcare.  It never has and never will no matter what it’s called, who pays for it, or how it is administered.

In our DPC program, we have negotiated rates for our patients on services like blood work, CT and MRIs, and sleep studies that are typically 60-90% off the retail price offered for patients with insurance.  For example, a common thyroid test usually runs $75 but we offer it for free twice a year and for $5 otherwise.  A CT scan that is billed at $2400 at a hospital based facility can be done for $250 for DPC patients who pay in full at the time of service.

If you are interested in learning how DPC might save you out of pocket expenses please give us a call at 244-1800 or 980-8551