And Is It Right For You?
Direct Primary Care or DPC is a less common healthcare practice that’s starting to grow in popularity, especially for patients looking for a more personal and affordable relationship with their primary care physician. Many traditional PCPs are adopting the DPC model to deliver more value-based care, remove overhead costs, and look for more durable ways to deliver care. Direct Primary Care practices typically have fewer patients than those accepting insurance which allows them to spend more time with each patient. Here are some frequently asked questions about direct primary care and Medmo’s answers to them.
Is DPC Insurance?
Direct primary care is a financial arrangement made directly between a patient and a healthcare provider. It removes insurance providers from the process, cutting out the need for patients and providers to file insurance claims. Instead of premiums, patients pay their healthcare provider a monthly fee. When you become a DPC patient, you forfeit the use of insurance and instead pay a monthly membership fee which includes unlimited services for common healthcare needs. This incentivizes DPC physicians to keep you healthy and allows patients to build strong relationships with their doctors. However, most patients who use DPC are also enrolled in a high deductible health plan for emergency healthcare needs.
Costs and Payment
The monthly fee for most direct primary care services is typically $100, or more. That fee gives patients unlimited and direct access to their primary care provider. Some providers also charge an additional visit fee at the time of service. In general, fees are determined based on a patient’s age, the type of practice, and the number of individual family members on the plan. Accepted forms of payment vary by provider. In most instances, options like credit cards, cash, or checks are accepted. If you compare this to insurance premiums, you can see how this model saves you money while receiving a white glove healthcare experience.
What does it cover?
The fee covers all or most primary care services including clinical and laboratory services. The umbrella term is primary care consultations. Patients who need any additional testing, procedures, or medication will likely be on the hook for the cost. However, most DPC physicians have negotiated rates with vendors and partners to help you save. It’s suggested to pair direct primary care membership with some sort of insurance plan, typically a high deductible health plan to help cover more expensive services or emergencies. Visits to specialists, urgent care, or the hospital are not included in the monthly fee. Prescriptions are also not part of a direct primary care financial agreement with a doctor.
To book a scan, visit us at Medmo.com. Medmo helps people schedule radiology imaging tests – such as MRI, CT scans, PET, and more – at nearby accredited centers and identify the payment solution that works best for them.