How People Use DPC Effectively
Individuals and businesses use DPC by itself or pair it with a low-cost insurance policy. By using both, people have coverage for rare but severe accidents and also quality medical care for general sicknesses. DPC allows you to talk to your doctor at any time and to reach out for advice for any illness.
Businesses also use DPC to better ensure the health of their employees and provide them with an inexpensive but quality healthcare.
Current Medical History With or Without Insurance
- Copay for every visit (Insurance)
- Monthly payment for coverage (Insurance)
- Visits only by appointment
- Restricted communication
- Expensive treatments
- Labs, tests, and procedures set by medical industry
Insurance Alternatives that Pair with DPC
Health Sharing Ministry
Health sharing ministries (HSM) are religious-based cooperatives where members share healthcare costs amongst one another. Members commit to not smoking, not drinking to excess, and to going to church. For members willing to commit to the plan's rules, HSM membership can be a much more affordable and hassle-free way of covering catastrophic expenses. What's more, under the Affordable Care Act (ACA), members are exempt from the individual mandate to buy health insurance.
USHealth offers non-ACA compliant high-deductible plans that will cover major illnesses. These plans are less expensive because they do not cover the minimum "Essential Health Benefits" required under ACA compliant plans. Pairing a USHealth plan with DPC can provide coverage for emergencies and catastrophic illnesses while also allowing the convenience of a DPC practice. Both combined equal a lower price than traditional insurance on the Healthcare.gov exchange.
For small businesses with one or more non-owner employees, self-insurance options are available. The price of self-insured plans may be less expensive than a traditional "fully underwritten" plan with a major carrier (such as Humana or Blue Cross). Self-insuring provides an employer with the ability to customize their plan to the price-point of the employer. For more information or for a quote for a self-insured plan, please contact Jesse Duhon at Schexnayder Wealth Advisers: 985-652-2877.
THE COMMUNITAS DIRECT PRIMARY CARE MODEL