Just a quick follow up to my last post regarding health care planning. I had mentioned a coworker uses his health savings account (HSA) to pay for medical care with his family of four. His doctor charges a set fee which is believed to be about what an insurance company would have paid the doctor or less. I met with him briefly for more details.
The doctor’s web page is directmedicalcare.net. There are two levels of payment depending if your family is a “member” or not. An annual fee is $800 for a couple or $1,200 for a family. Basic doctor’s visits, annual physicals and more are free for members. For non-members a doctor’s visit is $70 for example. And the doctor offers on-line medical care they call “virtual care” at $50 during office hours or $60 after hours. Also, the doctor will met him at the office after hours for care such as if he need stiches at a cost generally lower than an urgent care facility.
I asked my co-worker when he might use his insurance coverage and he said only for major medical issues such as for hospitalizations or referral to a specialist. Under the direct medical care service the doctor’s office does not file insurance claims. You must do that on your own, however the doctor’s office will provide you with the appropriate codes to submit to the insurance company. I also asked how this affects meeting his annual insurance deductible. He has a high deductible plan and does not worry about it because he does not ever meet the deductible unless his family has a major-medical issue. I’d want to check with the insurance company to see if I could maintain records to show how much I had spent out of pocket or how they are handling services from doctors who except cash payment. Luckily, Karen knows how to file accurate insurance claims.
I could see doing more research in finding a doctor who does not take insurance but charges a lower fee such as this. Perhaps we might find a service in whatever state we decide to domicile in or spend our winters. Then have all the records sent to the new doctor. Or another option might be to switch to a doctor who is near our current home where we intend to later visit family for longer periods. I really am interested in the “virtual visit” portion of the plan. Not only would we not have to subscribe to another service while on the road but our established doctor would have a better idea of our issues before we hit the road, such as the need for prescription medications and more.
I wonder if having an established doctor in the state we select as a domicile will make a difference in establishing a “legal” domicile or not?
This is the first I have ever heard of such as service. Once I started surfing the internet I found it to be more common than expected. Click on the link for direct medical care and have a look.