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Would You Pay a Copay For an Oil Change?

June 12, 2018

Nearly every responsible adult will make the decision to purchase insurance to cover losses against their major assets like their home, cars, artwork, etc. These days you can even buy insurance for your wedding. Almost anything you can imagine owning or doing likely has an insurance product out there that would cover it. And although no one enjoys paying their insurance premium, it feels good to know you’re covered (at least financially) in the event of an unforeseen catastrophe.

Mostly all insurance operates the same: you pay a premium and if something unforeseen comes up, you file a claim, pay your deductible and receive your benefit.

But this is of course not the case with your Health Insurance.

With health insurance, you are not necessarily paying a premium to just protect yourself against some unforeseen event, because whether you visit your doctor for an annual exam, you make an appointment for strep throat, or simply call to have your allergy medications refilled like you do every year you will always be asked to use your insurance.

Let’s imagine you used your car insurance for an oil change like you use your health insurance. For starters, the mechanic closest to your home may not be in your network, in this case you might have to drive 20 or 30 minutes to find a shop that would work on your car. Once you show up for an oil change, you would pay a copay of $120. Once the oil change is complete, the mechanic’s staff would then file a claim to your insurance company to get paid for their services. Oh, you need synthetic oil in your car? You will need a pre-authorization for that. Also, the days of $50 oil changes are over. The mechanic would bill your insurance company $275 for the oil change. The insurance company and the mechanic have to both hire extra staff to file claims and adjudicate them, so they have both raised their prices to make up for this increased overhead.

All this mess for an oil change that could be so much less confusing and expensive.

Now back to health insurance. Let it be known that we believe health insurance is absolutely necessary. If you develop an unforeseen illness, develop cancer or need surgery these are undeniable cases where your insurance should be used. But we do not think you should have to use your insurance for the routine visits, the preventative care, and the every-day healthcare you should be accessing anyway. To accomplish this, our patients pay a flat monthly fee for unlimited, direct access to their healthcare provider. We call it Direct Primary Care. It’s simple. It’s convenient. It’s transparent. It’s the way the rest of healthcare should be.
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