"Why Should I Pay MORE For Health Care?"

You shouldn't, and you don't have too. You can actually save money with DPC! Here's how: STOP PAYING SO MUCH FOR MEDICAL INSURANCE. Hey, don't get me wrong, insurance can be great. My family has gone through some real hairy stuff this year and insurance has saved our butt from financial ruin.





And that is what insurance is for: surgeries and hospitalizations, the big unexpected bills. We are insuring ourselves that if something bad happens, someone will help us pick up the tab. But what about staying healthy? Insurance tells you what doctor you can see and makes you pay a fee to see them. If anything is ordered (labs, xrays, etc.) you are on the hook to pay for part of that until you've spent several thousand dollars and met your out-of-pocket maximum.





Notice I haven't used the phrase "health insurance" as that is a silly thing if you think about it. You aren't insuring your health, you are insuring yourself for medical expenses. Medical insurance is not health care! It is access to the insurance driven medical world we have become accustomed to for all of our health care needs.

So, back to the point. Stop paying so much for insurance. Opt for a lower monthly premium "high deductible" plan, and supplement this with DPC. In 2018, an un-subsidized bronze plan on healthcare.gov cost $163 less a month than a gold plan according to eHealth . Most patients have subsidized insurance through their employer, but can still save significant dollars on changing coverage. The Affordable Care Act requires bronze plans to cover 60% of medical costs, silver to cover 70%, and gold to cover 80%. So no matter your plan, you still pay a portion of your bill. For example, if you get into a car accident and break your femur, you're gonna pay a few thousand out-of-pocket. Yes, the gold plan will be less out of pocket at the time of the accident, but you paid $2000 more for it in monthly premiums in one year. And don't forget, medical debt has no interest and can therefore be paid off over a long periods.





DPC patients can still utilize their insurance, for instance: