Back in the day, it was common for people tobuy a health insurance policy that could help them cover their medical expenses. However, with the increasing costs of health insurance, its no more an affordable option for many people and they are looking for alternative options to cover medical bills.
During the past few years, direct primary care and health sharing plans have gained popularity among masses. Not only are these plans affordable, they also save people from the hassles of dealing with insurance companies.
Lets dig into the details of both health plans and explore how they are different from each other:
Direct Primary Care
DPC helps patients cover their medical expenses without having to buy a medical insurance policy. This model is adopted by many family physicians in the US, since it benefits healthcare professionals as well as patients.
Instead of paying the entire amount in cash, patients can pay bills in the form of monthly cycles. Family physicians charge a specific amount every month that includesa consultation fee, laboratory testing charges, and other medical expenses. It makes medical care more affordable for patients. As of today, there are around 790 registered direct primary care clinics in the US.
Doctors that accept DPC plans no longer need to contact insurance agents for payments. It involves lesser paperwork and significantly reduces overhead expenses.
Direct primary care model also promotes a strong relationship between doctors and patients that is based on trust. DPC centers facilitate patients to get in touch with their family doctors through chats, emails or phone calls. You can also book an appointment for office visits. It offers a personalized medical plan to patients so that they get more time to discuss their health problems.
Religious Health Sharing Plans
Religious health sharing plans help people pay their medical expenses without breaking the bank. These are faith-based plans that are offered by like-minded people. You need to pay a certain amount every month and youll get a membership card in return. When you visit a medical facility, just give this card to the doctor instead of paying the entire amount on your own.
You need to pay an unshared amount which is basically a small percentage of your own medical bill. The rest of your medical expenses will be shared by other members of the group.
These faith-based policies have a specific set of guidelines and you must meet the requirements to become a member. For instance, you may be asked to stay away from drinking, smoking or other harmful activities. If you have an existing health problem, they may refuse to cover the expenses. So, before you get registered, make sure you fully understand the conditions to avoid unwanted issues.
Direct primary careand religious health sharing plansare 2 of the most popular alternatives for traditional medical insurance plans. Depending on your particular healthcare needs, you should cautiously choose a plan that can help you cover medical expenses in the long run.