Making Healthcare Make Sense Again
Direct primary care takes the insurance portion out of your basic healthcare so you can have consistent, affordable, and transparent care when you need it without added stress, worry, or unexpected billing. We can provide a better health care experience by NOT billing insurance.
NONE of this makes any sense!
It is estimated that 40% of dollars spent on primary care are lost to the system (insurance administration). For predictable care, Simply Direct Health just makes sense.
Did you know that most Primary Care Physicians have between 2,500-3,500 patients? Simply Direct Health limits our practice to no more than 1200 patients. This means that your doctor can spend more time with you when you need it. It also means that when we are not actively seeing a patient, we are able to coordinate your care and research the latest advances in treatments. Your well-being is our priority, and the reason for why we do what we do.
Simply Direct Health does not accept insurance, so you won’t have a middle-man in your primary care. Decisions about your healthcare will be made by you and your doctor, without the impersonal management that inevitably comes from third-party payers. Instead, patients pay a monthly membership fee, which can save money and lead to better treatment.
You won’t feel rushed through an appointment, and there’s never a question that you won’t have time to ask. Part of the relationship you’ll build with your doctor is based on your understanding of your care. Now that’s what we call personal healthcare!
Because your doctor reserves time for a select number of patients at the practice, there will be no “squeezing you in.” You’re a priority, and you’ll feel like one.
Our savings are extended to you. All prices will be quoted before your prescription is filled.
You’ll be able to reach us and your medical information via internet, e-mail, and text.
It’s all about you and your specific goals for wellness. A physical exam will be done, and appropriate tests will be ordered. We will also make sure you are up to date with all recommended health screenings and vaccinations.
Minor suturing, cryotherapy, and skin biopsy are all included at our wholesale cost with your membership fee. If there is an extra charge for a service, you will know exactly what it is before proceeding. Our goal is to break even on all of the minor labs and procedures to keep us focused and unbiased in your care.
If you require an in-person consultation for specialty medical care, our doctor will work closely with that specialist. Because we are not obligated to any certain network in the area, the choice is made together with you to get you the best doctor to meet your needs.
By Itself
As an individual, you don’t have to go without care because of the lack of insurance. 90% of medical needs for 90% of the people can be managed through primary care. We recommend that all members have some type of insurance coverage for the unexpected; however, it is not required.
As an Employer, offering Direct Primary Care as a
By Itself
As an individual, you don’t have to go without care because of the lack of insurance. 90% of medical needs for 90% of the people can be managed through primary care. We recommend that all members have some type of insurance coverage for the unexpected; however, it is not required.
As an Employer, offering Direct Primary Care as a stand alone benefit will help reduce out-of-pocket costs for employees who have purchased their own plans.
Paired with High Deductible Health Plan (+HSA)
Pairing Simply Direct Health with a high deductible health plan allows for coverage for catastrophic events while also providing concierge level quality and access to primary care services. Switching from a “Silver” or “Gold” level plan to a “Bronze” plan will typically save more than the cost
Paired with High Deductible Health Plan (+HSA)
Pairing Simply Direct Health with a high deductible health plan allows for coverage for catastrophic events while also providing concierge level quality and access to primary care services. Switching from a “Silver” or “Gold” level plan to a “Bronze” plan will typically save more than the cost of membership at Simply Direct Health and will significantly reduce out-of-pocket expenses incurred over the year.
Adding an HSA account will allow for tax deferred payment for incidental medical expenses like labs, prescriptions, supplements, imaging, and payment toward the high deductible if necessary.
Paired with Medical Cost-Sharing Plan
Medical cost-sharing is an ACA-compliant alternative to health insurance. In this option, the medical cost-sharing organization would help pay for medical expenses incurred outside of Simply Direct Health.
A national medical cost-sharing organization sees the value of direct primary practices like SDH.
Paired with Medical Cost-Sharing Plan
Medical cost-sharing is an ACA-compliant alternative to health insurance. In this option, the medical cost-sharing organization would help pay for medical expenses incurred outside of Simply Direct Health.
A national medical cost-sharing organization sees the value of direct primary practices like SDH. Membership fees incurred at SDH may be submitted for partial reimbursement as a participant in a medical cost-sharing program.
See below for more details about these plans.
Are you sick of seeing your insurance premiums skyrocket? Ever wonder why you have to pay so much money for health insurance that you feel like you never use? Ever wonder if there’s an alternative way to bypass this financially binding ACA requirement? Well, now you are in luck. At Simply Direct Health, we have flipped healthcare upside down and have found ways to save you money, not only for your primary care needs, but also for specialty care, labs, imaging, procedures, and NOW even health insurance!
As a primary care clinic, we think insurance is absolutely necessary. We are confident that we can take care of 80% of your health care needs, but we may not be able to cover 100%. We can’t fix your broken hip, your heart attack (although we do our best to PREVENT them), your unfortunate cancer, your car accident injury, or your strokes, which is exactly why health insurance is needed. Insurance is needed to “INSURE” against risk. Primary care needs are NOT risk, they are routine. The analogy to your car insurance/homeowner’s insurance/life insurance continues to hold true. You wouldn’t insure your car to get an oil change, to get gas, or to wash your windows, so why would you insure your health care for a low-cost stuffy nose, uncomplicated infection, or chronic disease management?
There are absolutely times when insurance is necessary. However, we feel that the current ACA system is financially restrictive for many people in the working middle class (and upper class, lower class, and all classes for that matter). We want to bring your attention to an alternative to traditional health insurance plans called Health Sharing Plans. Read below for more information.
Health Sharing Plans are alternatives to mainstream insurance plans that offer "per event" coverage for medical complications that occur outside the scope of primary care.
This is a breakdown of the major players in Health Sharing Plans (**Simply Direct Health doesn’t receive any financial incentive for sharing this information other than a built in network/referral base. SDH is listed on a preferred provider list with Samaritan and Christian Health Ministries, but no monetary exchange takes place.**)
1) Samaritan Ministries http://samaritanministries.org/
2) Christian Healthcare Ministries https://www.chministries.org/
3) MediShare https://mychristiancare.org/medi-share/
4) Liberty Direct Health Sharing http://www.libertydirect.org/
These are health sharing plans that are NOT insurance, but are ACA exempt.
Each of these non-profit companies has its own unique plan, but the overall premise is a low premium (usually about $300-$500/month) with deductibles ranging from $500-$3000. They function on a "per event" basis. For example, if you have a medical need that is less than $300, it would be your responsibility. If that need exceeds $500-$3000, you would submit that information to the health sharing plans for reimbursement that is shared among other members. The monthly premium is shared with those that have need.
The mindset that you are a healthy family and sharing the cost burden of those chronically ill around you makes it challenging to continue paying >$1,000/month premiums for health insurance that you don’t use. The majority of Americans will not hit a $3,000 deductible during the year, and even less will meet a $5,000 deductible.
I need health insurance to avoid a fine, right? Again, the above Health Sharing Plans are ACA Exempt. Your tax accountant can show you the forms to fill out to state your exemption. In addition, there was recently signed legislation lifting the ACA Fine.
These options are great ways for uninsured people to maintain ACA exemption, while having catastrophic coverage opportunities. They are great for small businesses to offer as added incentives for a fraction of the price of traditional health insurance. These health sharing plans work perfectly in SDH's system of health care, where we take care of your primary needs for a low monthly membership fee and for anything requiring specialty care, you can utilize these resources. These plans work great for large, self-insured companies in a similar vein. We have found that these alternatives to health care really opened our eyes to finding affordable health care, and we are happy to work alongside these organizations in offering you the best, most affordable health care possible.
Lots of families are growing and have questions about pregnancy. Each respective Health Sharing Plan has built in it a maternity portion, but uniformly, they will NOT cover it if you sign up AFTER you become pregnant. However, paying cash for pregnancy care is actually more affordable than you may think.
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