Save on Prescriptions-Use Direct Primary Care!

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




Sobering Data on # of Rx Filled by Americans Annually by Age

The Kaiser Family Foundation released the following census data in 2015 showing the quantity of Rx filled annually by State and Age.  The data is sobering.  We are certainly a nation of pill takers, especially in the 65 plus age bracket.  It seems to me that we may need to be more careful about the combinations of medications that we are putting into our bodies!

Seniors may also want to look into switching to direct primary care, where they can obtain affordable routine medications in house.  Direct primary care doctors have more time to spend with their patients, improving the quality of care the patient receives.  The monthly cost saving on medications alone may be enough pay for the direct primary care doctor’s monthly fees.

KFF Rx Filled Annually by State and Age Bracket