Open Enrollment Strategy Secret: Direct Primary Care And High Deductible Health Plans

As open enrollment season begins, it’s time for you to make an informed decision about the most cost effective way to provide quality health care for your family. Here’s a simple strategy to improve the quality of care your family receives while also lowering your annual cost.

1. Sign-up for a direct primary care membership. Direct primary care is a new model of medicine whereby customers pay a low monthly membership fee for direct and unlimited access to a primary care physician via phone call, text, video conferencing, and traditional office visits. The majority of a patient’s medical needs (check ups, acute illness, physicals, etc.) are addressed with a primary care physician, so this is the most important level of care to get right. Direct primary care does not bill insurance, meaning doctors are free to serve patients without bending to the costs and constraints that health insurance companies impose. In this way, a direct primary care membership can reduce the cost and improve the level of care for your most frequent medical needs.

2. Enroll in a high deductible health care plan or a health sharing group. Paired with a direct primary care membership, a high deductible health plan, or health sharing group, can be a great way to cover severe medical occurrences. Think about how you approach the needs of your car over the course of a year. You purchase car insurance to cover your vehicle in the case of a major accident, but you’d never think to use insurance for a tank of gas, a broken windshield wiper, or an oil change. In the same way, you can implement a direct primary care membership to cover your everyday medical needs while retaining a low cost, high-deductible health plan (or health sharing group) for more catastrophic needs, such as an unexpected hospital visit.

For more information about the benefits and costs of direct primary care, along with other helpful health plan advice, visit https://www.modernmobilemedicine.com.