Direct Primary Care and Insurance

While Total Access Medical does not bill your insurance company or collect insurance fees from you, we recommend that all Total Access Medical patients continue to participate in some form of insurance program. Despite the remarkable care you receive as a Total Access Medical patient, traditional insurance still has its place. Enjoy direct primary care and keep insurance for specialist care, serious illness, and expensive, unforeseen events.

Total Access Medical patients are not required to have insurance to enroll, but we have found that many of our patients have found a balance between direct primary care and insurance by making adjustments to their coverage, which can allow for a more affordable complement to our primary care program. Here are a few examples that have worked well for our patients:

Total Access Medical + High Deductible Insurance Plans
A high deductible insurance plan allows you to be covered for major “catastrophic” medical problems in exchange to agree to pay more money out of pocket for most or all medical events up to a certain limit. Once the limit is met, the consumer enjoys 100% coverage. For example, a high deductible plan for a family might require the family (with the help of the employer) to cover the first $5,000 in medical expenses. After that $5,000 is spent, the family is covered entirely for all medical expenses throughout the balance of that year. This type of plan typically costs the consumer dramatically less in monthly premiums. Many Total Access Medical patients take the reduced monthly premium associated with a high deductible plan and apply those dollars towards enrollment.

Total Access Medical + Health Savings Accounts (HSAs)
An HSA allows you to pay for medical expenses not covered by your insurance. So the Total Access Medical program coupled with an HSA or HRA may allow you to pay for your Total Access Medical fees with tax-exempt funds you deposit each month in your HSA.

Total Access Medical + HSAs + High deductible plans
By using your HSA funds to pay your Total Access Medical fees, you may realize tax savings while maintaining affordable coverage against catastrophic events.

Total Access Medical’s direct primary care model and insurance both have their roles in providing a comprehensive healthcare solution. Contact us, but also your insurance provider, with any questions about how direct primary care and insurance coverage work.