What is Direct Primary Care (Concierge Medicine): Pros & Cons of DPC
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- čas přidán 23. 07. 2024
- What is direct primary care? Direct Primary Care (DPC) is sometimes referred to as concierge medicine. It’s grown in popularity since the mid 2000’s as a response to dissatisfaction with traditional health insurance. Because it’s not traditional health insurance, it’s exceptionally important to understand exactly what you’re getting yourself into before you make the leap.
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Direct primary care is an agreement made between patient and healthcare provider, usually your primary care physician. As opposed to paying your insurance carrier monthly premiums, you pay a fee directly to your provider. Usually this fee is around $100 per month for an individual with discounts available for families.
Often this is the only fee will have to pay. Your basic preventative care including lab work will be covered. Although, some physicians will charge an additional flat fee per visit, but that’s not as common. In most direct primary care agreements, you’ll have access to your doctor in person, for telehealth and also via email and phone. For this reason, many consider it to be a simpler, more personalized approach to health care. When you remove premiums, copays, coinsurance, and deductibles, it certainly can be much simpler to understand your bill!
Direct primary care is not a perfect solution. There are many services not covered such as specialist visits, urgent care, hospital procedures, and prescription drug coverage. And, let’s be honest, those are the most expensive health care costs!
You definitely do not want to be without coverage should you need a major procedure. For this reason, most people supplement their direct primary care coverage with some type of high deductible health plan or catastrophic coverage. A high deductible health plan will offer lower monthly premiums when compared to other health insurance, but will still provide coverage if you need to see a specialist or fill a prescription. It will also impose an out of pocket maximum in case you wind up in the hospital. You can purchase a HDHP on or off the marketplace
Some people may also be eligible for catastrophic coverage. These plans can be available on the marketplace or off. You can also purchase catastrophic coverage in the form of a short term medical plan which is a little more customizable and usually pretty inexpensive. These will limit your financial exposure in case of medical emergency.
Another drawback is that these arrangements are not available everywhere and, of course, your doctor may not be willing to participate in such an arrangement. If you have a PCP that you like you can discuss it directly with them or check out the direct primary care coalition at dpcare.org to find a provider near you.
You may find that when you add your monthly fee to some type of basic plan to cover your additional healthcare needs, that there isn’t much of a savings. OR, it may simply not be feasible in your area. If that’s the case, there are still plenty of options to save money on health insurance. You may want to look into a HDHP with HSA, a short term medical plan or even a marketplace plan if you can lower your MAGI to make yourself eligible for premium tax credits.
If you have any further questions, please feel free to contact us here at iHealthBrokers at 888-410-0344 or ihealthbrokers.com/
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1st off Direct Primary Care and Concierge Medicine is NOT the same.
Concierge med Often accept money from insurance; DPC does not!
Concierge Charge a higher monthly payment in addition to the insurance collection; DPC does not
Concierge med Focus on “premium” services, such as vascular scans, “executive” lab panels, extended office visits, and even going along with patients to specialist visits. DPC typically focus on standard(basic) primary care services and NOT a VIP list of services typically not covered by insurance companies.
Do dpc facilities offer things like ultra sound for heart?
Sorry for the confusion. As we said in the video, DPC is sometimes referred to as concierge care. As you've pointed out although many use the terms interchangeably, they are not actually the same thing. This video is about Direct Primary Care. Thank you for your feedback!
You would need to discuss this directly with the physician you are in agreement with, but most likely not. Usually, direct primary care will only cover basic services and panels conducted by your primary care physician.
@Mr. Cannon you are very knowledgeable about the DPC model, by chance are you in the business? If so do you have more insight, looking to convert? TIA
Fantastic video! Thank you for educating the public about the Cons of DPC. 5 minutes and 45 seconds of solid information to warn the public about Cons of DPC. You missed the entire section for the Pros of DPC mentioned in your title. I'm sure you will correct this slight oversight in the future. Good luck!
Thanks for the feedback! These chapters were actually auto generated by CZcams and we guess the AI considered the "What is DPC" chapter for the "pros". Thanks again for the comment!
I recently completed development of a talk for a group of relatively affluent senior citizens, almost all of whom have Medicare, on the subject of concierge medicine, its pros and cons. I was drawn to this video because I was puzzled that the title included "Concierge Medicine" in parentheses after "Direct Primary Care." Though I know the speaker understands that they are not the same, I don't think a reference to concierge medicine should have been part of the title in a video focused almost solely on DPC.
Thanks for your feedback, David. We'll keep that in mind as we create new content!
Do you know if DPC Plans use Brokers to sell their plans or at least pay a referral fee?
Not that we know of. It's usually an arrangement between you and your physician. Thanks for your question!
Concierge Medicine is about personal private physician for those who can afford it.
DPC is a low monthly cost for the masses. Patients avoid Co-pays and hidden fees. Often basic laboratories and skills of the physician, such as a joint injection, are covered.
Best of all, it bypasses the cost of an insurance broker.
Thanks for your feedback. This video details the pros and cons of DPC. Although some brokers do charge for their services, many (if not most) do not.
@iHealthBrokers where do broker salaries come from then? The money comes from somewhere. Oh, from the insurance companies? Okay. Who pays the insurance companies? To say you don't charge when you are taking a salary for the job you're doing is kinda gaslighting tbh. Just because there's a middle man doesn't mean you "don't charge"
@@xinwan162 there are no brokers. Patients sign up direct. The "D" in DPC stands for "Direct."
DPC is not an insurance. This video lacks accurate info regarding DPC. Please try again.
Hi Tee, this video actually says numerous times that DPC is NOT insurance...that's why we discuss the other insurance options that people may choose in addition to DPC if they so choose (like HDHP).
But at least you have a doc who ISN'T PUSHING big ins or pharm on people. My doctors thru " Traditional" insurance plans are trying to oush ALL KINDA of meds on me for their kick back. My doc of over 10 years did not take insurance but he was forced into retirement two years ago to the fear pushers.
@@RaptureWILLBeSoon That's very unfortunate to hear. Additionally, regardless of whether a doctor accepts insurance or not, I'm sure we'd all rather see a doctor who has our best interests at heart.
Can we actually watch the video before commenting?