There’s a new low-cost insurance alternative in town, and if our clients’ reaction is any indication, it’s only going to get more popular. It’s called Direct Primary Care (DPC), and it’s designed to make routine or preventive medical care more affordable and accessible than ever. But it gets better: pairing DPC with a Health Sharing Plan can multiply those benefits, while still being less expensive than some insurance plans.

Health Sharing Plans and Direct Primary Care Physician

What is Direct Primary Care (DPC)?

Direct Primary Care, or DPC, is a form of healthcare in which Primary Care Physicians charge a flat monthly fee in exchange for health services. DPC is popular because of its simplistic pay structure and its affordability compared to traditional insurance.  

Pros

  • Ease of use – Say goodbye to complicated fee structures for care from your doctor. The Direct Primary Care option allows you to make your monthly payment and see the doctor as-needed — with no pop-up surprise fees at the end!
  • Improved patient care – DPC also allows patients to spend more time with their doctors. This fosters a closer doctor-patient relationship which has been shown to increase performance among medical professionals.
  • Affordable options – DPC memberships are typically less than $100 per month, with new options becoming available all the time.

Cons

  • Limitations – A DPC plan can cover routine care and preventive services, but it does not cover things like surgery or skilled care. If you develop a serious illness or have an accident, your DPC plan will not cover hospital costs.

Looking for a Direct Primary Care physician? Check out the DPC Alliance for a directory of active DPC physicians.

What is Health Sharing?

Health share plans are a low-cost alternative to traditional health insurance. They provide financial protection from serious medical costs, like an unexpected trip to the hospital or a severe illness.

Pros

  • Affordable healthcare – With health sharing plans, members pay a monthly contribution–or “share”–towards the health expenses of other members. Then, when members incur qualified medical expenses, they can be reimbursed from this same collective pool.
  • Flexible options – Health sharing is available in both faith-based and non-religious forms.

Con

  • Limitations – Most health sharing plans have limitations on how often you can see your Primary Care Physician. There is also no requirement for health sharing plans to offer essential preventive healthcare, as there is with ACA insurance plans.

Compare Pricing on the Best Healthshare Plans Available


The Solution: Direct Primary Care + Health Sharing

Remember, Direct Primary Care allows members to spend as much time with their doctor as they need. From preventive care to routine health tests, DPC arrangements cover everything you need to stay healthy.

Meanwhile, Healthshare Plans offer low-cost protection for everything that DPC doesn’t. This includes emergency room visits, surgeries, and sudden illnesses.

By combining a DPC membership with a Health Sharing Plan, it’s possible to stay protected against both routine and emergency medical costs. When you factor in the low-cost nature of both of these plans, you’re looking at a healthcare option that is still more affordable than some insurance plans.

It’s important to note that not all Health Sharing plans are designed to work with DPC. In order to get the best value out of this combination, you’ll need a DPC-friendly health share plan. These slimmed-down health share plans are more affordable because they don’t share expenses for the things included in your DPC.

Still have questions about Direct Primary Care or Healthshare Plans? Give us a call. We’ve got all the information on the best health share plans from groups like Zion, Sedera, Covenant, and more. We can help you figure out which one to go with, all without charging you a dime.

Remember: at HSA for America, our #1 goal is to save our clients money. Reach out to us at 800-913-0172 when you’re ready to get to work. 

Here are some additional articles on healthsharing programs: Best Healthshare Plans Comparison Guide – 2021 Update | John Oliver on Health Sharing Ministries – What He Got Right, What He Got Wrong

Here are some additional pages related to this article: Healthshare Plan Information | How Smart Consumers are Opting Out of Obamacare and Slashing Their Costs by Joining Healthshare Programs

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