Direct Primary Care & Insurance Plans

Direct Primary Care & Insurance Plans

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

MyMD Direct patients are not required to have insurance to enroll, but we have found that many 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.

Below are a few examples that have worked well for our patients:

MyMD Direct + 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 MyMD Direct patients take the reduced monthly premium associated with a high deductible plan and apply those dollars towards enrollment with one of our plans.

MyMD Direct  + Health Savings Accounts (HSAs)

An HSA allows you to pay for medical expenses not covered by your insurance. This means one of our plans coupled with an HSA may allow you to pay your MyMD Direct fees with tax-exempt funds you deposit each month in your HSA.

MyMD Direct  + HSAs + High Deductible Plans

By using your HSA funds to pay your MyMD Direct fees, you may realize tax savings while maintaining affordable coverage against catastrophic events.

MyMD Direct primary care model and insurance both have their roles in providing a comprehensive healthcare solution.

We have worked closely with Maria Overcash at Carolina Health Connections to create an affordable plan that makes the MyMD Direct plan costs negligible.

Contact us, but also your insurance provider, with any questions about how direct primary care and insurance coverage work.

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