Make “Money Moves” By Cardi DPC

In the newest issue of Consumer Reports they have an article called  “5 Smart Money Moves for 2019: A few simple steps can increase your savings, protect you from fraud, and help you prosper.  Four of them are:

  • Protect Your Nest Egg From Inflation
  • Freeze Your Credit Report
  • Safeguard Against Cell-Phone Account Fraud
  • Get Maximum Returns on Your Savings

And guess what the other one is?  It’s actually amazing because it really doesn’t fit with the other ones, but here you go:

Rethink How You Pay for Doctor Visits

The new year is when many of us start thinking about what we’ll have to spend on medical care in the coming months. Joining a direct primary care (DPC) medical practice will give you around-the-clock access to your doctor and could save you money on primary care.

Also referred to as retainer or concierge medicine, DPC practices typically offer almost unfettered access to one of their primary care physicians and general services such as prevention screenings and diagnostic tests. Minor urgent care services, such as stitches, are also available. Clients pay a flat fee of usually less than $100 per month.

DPC services can be cost-effective and convenient for people with chronic health problems that need close monitoring, such as diabetes, high cholesterol, and hypertension. Some practices dispense prescriptions and offer lab tests such as electrocardiograms on-site, and will make house calls if you’re not feeling well enough to get to the doctor’s office.

According to industry estimates, there are more than 900 DPC practices across 48 states and Washington, D.C. That’s up from 273 locations in 39 states in 2015. An estimated 500,000 patients are receiving care from DPC practices.

It’s important to understand that DPC is not insurance or a replacement for it, and will not cover more extensive care, such as surgery or emergency services. It works best as an add-on to an existing health plan. In fact, DPC practices generally encourage you to pair your membership with an insurance plan—usually a low-premium, high-deductible policy—to cover things such as inpatient hospital care and emergency services.

DPC services are also considered outside the scope of insurance regulation in at least 24 states, meaning their members might not be entitled to all the consumer protections mandated by the Affordable Care Act, including coverage of pre-existing conditions.

But for people who make frequent appointments with their primary care doctor, joining a DPC could cost less than using the coverage provided by a traditional insurance plan. Just be sure you’re also covered by a comprehensive plan for more extensive care, should you need it.

The movement continues.  We are the storm.  Now for some lyrics:

So don’t get comfortable
Look, I don’t dance now
I make money moves
Say I don’t gotta dance
I make money moves
If I see you and I don’t speak
That means I don’t f&ck with you
I’m a boss, you a worker bitch
I make bloody moves

(Editor’s Note: I have no idea what those lyrics mean)

Get one of our “Be Well” T-shirts Here!  Makes a great XMAS present!

Douglas Farrago MD

Douglas Farrago MD is a full-time practicing family doc in Forest, Va. He started Forest Direct Primary Care where he takes no insurance and bills patients a monthly fee. He is board certified in the specialty of Family Practice. He is the inventor of a product called the Knee Saver which is currently in the Baseball Hall of Fame. The Knee Saver and its knock-offs are worn by many major league baseball catchers. He is also the inventor of the CryoHelmet used by athletes for head injuries as well as migraine sufferers. Dr. Farrago is the author of four books, two of which are the top two most popular DPC books. From 2001 – 2011, Dr. Farrago was the editor and creator of the Placebo Journal which ran for 10 full years. Described as the Mad Magazine for doctors, he and the Placebo Journal were featured in the Washington Post, US News and World Report, the AP, and the NY Times. Dr. Farrago is also the editor of the blog Authentic Medicine which was born out of concern about where the direction of healthcare is heading and the belief that the wrong people are in charge. This blog has been going daily for more than 15 years Article about Dr. Farrago in Doximity Email Dr. Farrago – [email protected] 

  4 comments for “Make “Money Moves” By Cardi DPC

  1. Fred Powell
    November 28, 2018 at 6:36 am

    DPC is a good thing, I think. When can one actually get a high ded, low monthly premium for catastrophic insurance? Any of the BCBS plans with decent network are $500 per month

    • Doug Farrago
      November 28, 2018 at 6:51 am

      Look at the health ministries or the one year catastrophic, high deductible deals

      • Jennifer Hollywood
        November 28, 2018 at 1:31 pm

        These don’t work for pre-existing conditions.

        • Doug Farrago
          November 29, 2018 at 6:24 am

          Some grandfather them in. It’s not a perfect system, I get that.

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