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It has taken a long time to break the insurance grip on health care, but thanks to Obamacare trying to force the model and breaking it instead, medicine may transform into a true free-market system.
$50/mo for almost everything you may need, outside of catastrophic care? A doctor who spends time you with you and actually improves your life?
For a fraction of a cadillac plan deductible, it's a great deal.
Now, if we could just get the government to get out of the way and start letting insurance companies offer products that complement, not duplicate, the affordable care these people can get.
It's an idea whose time has always been here... glad to see it returning.
Concierge medical coverage is moot, unless you want to pay twice for coverage. Until/unless Ocare is abolished, Americans are required to buy comprehensive health insurance by law.
This isn't necessarily Concierge. This is general office based care at a lower price point. And many patients will find this cheaper even within a qualified plan. Depends a lot on your copays and deductibles.
That being said, this is no panacea. It might be fine for the doc, if he/she can make a decent enough living. But it cannot work for too many local docs, or they will simply have to bid themselves into the ground. The patients might save in small increments. But this type of practice does not address our major problem of large future HC costs of complicated seniors.
Concierge medical coverage is moot, unless you want to pay twice for coverage. Until/unless Ocare is abolished, Americans are required to buy comprehensive health insurance by law.
Ocare is hardly comprehensive insurance. The Bronze and Silver plans have actuarial levels of 60 and 70% The only thing that is "comprehensive" is the elimination of the lifetime cap. A bronze plan with a $50 a month concierge coverage would look something like comprehensive coverage.
It has taken a long time to break the insurance grip on health care, but thanks to Obamacare trying to force the model and breaking it instead, medicine may transform into a true free-market system.
$50/mo for almost everything you may need, outside of catastrophic care? A doctor who spends time you with you and actually improves your life?
For a fraction of a cadillac plan deductible, it's a great deal.
Now, if we could just get the government to get out of the way and start letting insurance companies offer products that complement, not duplicate, the affordable care these people can get.
It's an idea whose time has always been here... glad to see it returning.
I read the article and at the end he recommends buying a catastrophic policy. Isnt that what the bronze level is? One doctor visit a year is hardly comprehensive and an actuarial level of 60% doesnt pay for much.
For a fraction of a cadillac plan deductible, it's a great deal.
Now, if we could just get the government to get out of the way and start letting insurance companies offer products that complement, not duplicate, the affordable care these people can get.
It's an idea whose time has always been here... glad to see it returning.
That's fine for anyone under 65 and depending on the specialty, it can be very cost effective. But with the expansion of Medicaid in states like CA, it would be a tough sell for them. Now, not in FL, but forget about the over 65 crowd there.
The part about letting insurance co's. compliment that - would simply be catastrophic plans of which with covering pre-existing conditions now, no way would they go for it. Not enough
profit margin there. They need you paying a high premium now and every month, because of that.
Ocare is hardly comprehensive insurance. The Bronze and Silver plans have actuarial levels of 60 and 70% The only thing that is "comprehensive" is the elimination of the lifetime cap. A bronze plan with a $50 a month concierge coverage would look something like comprehensive coverage.
You have no idea what you are talking about and I am not interested in educating you.
Ocare is hardly comprehensive insurance. The Bronze and Silver plans have actuarial levels of 60 and 70% The only thing that is "comprehensive" is the elimination of the lifetime cap. A bronze plan with a $50 a month concierge coverage would look something like comprehensive coverage.
All of Obamacare is comprehensive. Even more than typical as many preventatives are no copay. Deductibles might be high for some, so in a functional sense it may be less comprehensive for those people. If that's what you mean.
This the type of family doc we have. We pay $90 per month for a family of four. For our member price we can see the doc, call, text or e-mail with any questions, concerns, etc. If we see the doc, we pay for any supplies used. For example when my daughter got stiches we paid a few dollars for the supplies, in addition to our member fee. There are no additional charges to see the doctor, the member fee covers it all. Appointments are usually and hour long and in special circumstances the doc will even do house calls. I feel like I actually have a relationship with my doc and the quality of care is exceptional. I think that this type of care would be great coupled with a true , pre ACA catastrophic insurance policy.
This the type of family doc we have. We pay $90 per month for a family of four. For our member price we can see the doc, call, text or e-mail with any questions, concerns, etc. If we see the doc, we pay for any supplies used. For example when my daughter got stiches we paid a few dollars for the supplies, in addition to our member fee. There are no additional charges to see the doctor, the member fee covers it all. Appointments are usually and hour long and in special circumstances the doc will even do house calls. I feel like I actually have a relationship with my doc and the quality of care is exceptional. I think that this type of care would be great coupled with a true , pre ACA catastrophic insurance policy.
Uhh where do you live and what plan is that?
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