How Direct Primary Care Insurance Differs From Traditional Insurance Policies

Even though the insurance mandate is no longer in effect, you will still want to carry a minimum level of health insurance if you are in the United States. However, in addition to health insurance, you might want to purchase direct primary health insurance. This is not a replacement for the minimum coverage you may need but can help you save money and give you easy access to the healthcare you need.

Paying for Services

When you have purchased a direct primary healthcare insurance policy, you do not have to pay anything other than a membership fee that you pay once a month.

While direct primary care insurance pays for your healthcare, it does not pay for other services such as your prescriptions and certain lab and imaging services. Therefore, you will need to pay for them separately. However, the exact services you will have access to depends on the primary care provider you choose. For example, at some clinics, you might have access to acupuncture or a chiropractor. 

Monthly Rates

The monthly rate for direct primary healthcare insurance can be very low. However, they can vary depending on how old you are. If both you and your family members enroll in a program, you might be able to receive a discounted rate. Because this type of healthcare plan can be much more affordable, you are less likely to avoid seeking care due to the cost.

How to Make Sure That You're Fully Covered

To make sure that you and your family are fully covered, you will want to make sure that you have health insurance to cover services that are not covered by a direct primary care insurance policy. For example, you will need health insurance to cover surgeries or specialist care. However, a direct primary healthcare clinic can still help you in a variety of ways.

The Advantages of Direct Primary Care

By going to a direct primary healthcare provider, you will be able to spend more time with your doctor. This is because less time is spent filling out paperwork and your doctor can instead spend more time getting to know you and your medical history. This will allow your doctor to provide you with a higher level of care.

You also will not have to worry about unexpected bills because what you will be expected to pay will be clear and upfront. Therefore, direct primary care is much more convenient. 

For more info about direct primary care insurance, contact a local company.