One of the most useful alternative delivery models I have found is the “direct primary care” or “concierge” model. Instead of involving a payor (the insurance company), you pay a monthly or yearly fee directly to your clinic (I have seen everything from $49/mo-$200+/mo). That fee gives you access to a range of services.

The downside to this model is that it doesn’t really help you with catastrophic incidents (an accident, surgery, a cancer diagnosis) – it’s more about routine care.

However, since accessing routine care makes you less likely to suffer a catastrophic incident, these plans are well worth it.

Read more about DPC/concierge/subscription and see a directory of clinics.