How accessible is health care in the richest nation? Why Health Insurance ≠ Health Care.
Many patients tell me that they love their doctor but that they cannot get through easily or book an appointment quickly. They pay thousands of dollars annually for “health insurance,” but are frustrated with their inability to access appropriate “health care.” Patients often go to an emergency room or an urgent care to be seen because it is the only option in the existing health care model.
The result: Americans visits the doctor less frequently and have the highest rate of avoidable deaths.
The United States spends 2x as much, per person, as other high-income countries, yet the US continues to have the lowest life expectancy and poorer health care outcomes when compared to other countries. Americans pay hefty premiums to health insurance plans every year. Where do the dollars go and why is health care access awful?
Traditional physician offices incur a large cost for taking care of patient needs outside of the actual patient office visit. For example, making a phone call to provide patient care is not compensated by insurance companies. Several other similar services that are instrumental to good health care include completing forms for patients, ordering and/or reviewing labs, and writing prescriptions. Restrictions placed by insurance companies make it difficult to take care of patients outside of the visit.
What if health insurance was the same as other insurance products?
A good example is car insurance. You expect to pay out of pocket for your gas, oil change, and maintenance/repairs. You have a high deductible low premium insurance that covers you in case of a car accident. In the analogous healthcare model, patients have catastrophic health insurance coverage with low monthly premiums and a high deductible.
Pairing health insurance with health care, through a physician direct primary care office, lowers out of pocket expense and improves health outcomes by providing access to obtain discounted screenings, preventative services, urgent care services, labs, and medications.
Health insurance companies have come between patients and their health. The health system in the United States is broken as evidenced by the out of control spending and health outcomes. Direct primary care offers an alternative that works. Direct primary care aligns values to prioritize patient health care needs with lower costs and better health outcomes. Find a direct primary care near you by searching https://mapper.dpcfrontier.com/