With the many changes to individual health coverage (ACA – Obamacare), it has been difficult to have consistent affordable healthcare. We have seen a steady climb in insurance premiums, to the tune of 3 – 4 times what they were before the ACA was implemented. Now, we have the individual mandate being eliminated, so there are no more penalties for not having health insurance. With the rate increase again expected with the upcoming year, there will undoubtedly be a mass amount of individuals forgoing health insurance, taking on the risk of no insurance as opposed to paying insurance premiums that are typically more than a mortgage for a decent size house. On top of that, we have lost most health carriers that insured individuals, leaving no competition to keep rates low.
This has left many with the feeling of having no options. Either you go with insurance and not afford anything else, or carry no insurance, and take the risk of having a major health claim.
However, there still are some options.
We’ll take some time to go over several ways that have effectively helped lower healthcare costs, as well as provide better access to services.
First of all, we’ll talk about share plans. Share plans have been around for decades as a lower cost option. Most can be Christian based, but some are multi-religion. Many have been concerned that they can pay all the claims, but track record shows, they have managed with no problems. Not only that, but most ACA plans are HMO’s, whereas the Share plans are national PPO networks, which means they have more options than the health insurance plans. If you wanted to travel for a certain procedure, most HMO’s probably won’t cover it, whereas the share plan would. Share plans are now actually a very good alternative to Health insurance. You don’t have to break the bank to purchase one.
Next, we will talk about Direct Primary Care Doctors. Direct Primary Care Doctors (DPC) are physicians that do not take insurance. They go by cash or membership. They tend to have smaller patient panels, and lower or no costs for services, providing better access, and lower costs for your healthcare services. For one very good option, check out AtlasMD.com/Wichita, and look them up on youtube to get a bases of their services, and how they work. WE have seen people save $50 – $150 or more on just prescriptions. We have also seen many save from ER costs, lab, imaging, and more. Not only that, but you have access to your doctor 24/7 through phone, skype, email, etc. This service is going back to how doctoring is supposed to be.
Using the combination of these 2 options has significantly saved an in creditable amount of premium for many, all while providing better care and services. For more information on how this can work for you, reach out to us. We will help you find if this can work for you.
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