Often as I speak with insurance clients, I suggest to them to enroll with a Direct Primary Care physician and pair that with a high deductible, catastrophic health insurance plan, but sometimes I get pushback from clients who are unwilling to pay for both, especially since even catastrophic coverage is expensive these days.
But one thing consumers don’t realize is that in many cases, prescription savings alone can easily pay for the cost of the DPC membership. Let me give you an example. A few weeks ago, I was researching health plans for a client who takes Cymbalta. Well it turns out that most individual insurance plans in Colorado won’t even cover Cymbalta anymore, except for the generic alternative. But in this person’s case, she was allergic to an ingredient in the generic, and could only take the brand name. Well Cymbalta runs about $230 retail, so that would have been an additional monthly cost for this consumer on top of her health insurance plan. But what if she used Direct Primary Care doc for her routine care and prescriptions? Her monthly fee for unlimited, 24×7 primary care would have been approximately $65, AND, she would have access to monthly Cymbalta for about $15! I’m blown away by the savings available on Cymbata, Effexor, Omeprazole, Imitrex and others. It just makes sense to look into DPC as a way to obtain affordable Rx pricing for routine medications.
Below is a picture of some sample Rx pricing that I obtained from a DPC in PA called Core Family Practice. I hope Dr. Haug doesn’t mind me sharing this with you! Just look at Rx savings examples! These savings alone are a no-brainer. Everyone, especially those who need routine medications should consider Direct Primary Care. It’s not a replacement for major medical coverage, but it can pay for itself and give you a quality of service that you never thought possible from your primary care doctor.
Sample Rx Pricing from Direct Primary Care