How can this be so inexpensive?
Primary care physicians (PCPs) are known for their ability to provide comprehensive high-quality care at low cost. For decades, insurers and government agencies have relied on the tremendous cost savings PCPs provide in order to reduce the cost of care. Unfortunately, when insurers bundle the inexpensive primary care with high cost medical treatments, surgical care, hospitalization and drugs, it raises the cost of routine care for everyone and creates a barrier to access.
At Direct Family Care, we believe that everyone should be able to afford primary care. We have uncoupled primary care from those high cost-driving services, and added a network of affordable services to create our membership-based primary care package. By bundling all of the routine and necessary services into a low monthly fee, our members enjoy an affordable patient-centered medical home with true price transparency.
With Direct Family Care, 100% of your expense goes towards your health care and we pass the savings on to you.
Is Direct Family Care Insurance?
No. We are providers who contract directly with our patients to provide primary care services. Our plan is membership-based with a low monthly fee, much like a gym membership.
Does this meet the Affordable Care Act insurance requirement to avoid tax penalties?
No, not by itself. It is not insurance. However, the Affordable Care Act (ACA) does allow this to meet the minimum requirement if it is combined with a high deductible health plan (HDHP). These plans are referred to as “bronze level plans” and can be found on www.ehealthinsurance.com.(There are over 30 exemptions from ACA tax penalties. Consult your tax advisor)
What if I need to go to the hospital?
The Direct Family Care program does not cover hospital care. This is why we suggest you look into a high deductible health plan (HDHP) for catastrophic coverage. Should you require admission to the hospital, our providers will be glad to coordinate that for you.
Are there any exclusions for pre-existing conditions?
No. There are no pre-existing condition exclusions and there are no increases in the membership fee based upon prior health history. In fact, those with chronic medical conditions are perfect for Direct Family Care. The only exception is that Direct Family Care physicians do not prescribe chronic pain medications or chronic controlled substances.
Who determines which health care services I can have?
Direct Family Care is a pure relationship between you and your doctor. 100% of your health care decisions are determined by you and your physician, not an insurance company. Nobody outside the exam room decides your health care, unless you allow it.
I am already paying a monthly fee for health insurance. Why do I need Direct Family Care?
In most cases, patients save money by choosing a higher deductible health plan and paying directly for medical care through Direct Family Care.
At Direct Family Care, we don’t believe insurance should be used for routine, expected medical care. You don’t use your homeowner’s insurance to pay for lawn maintenance or to make minor repairs. You don’t use your automotive insurance to fill the gas tank or replace the tires. Why would you use health insurance for a cold, to treat diabetes or high blood pressure? Health insurance should be there to cover unexpected or high ticket medical costs. We will make the routine medical care cost less than you pay for your cell phone.
Is this concierge medicine?
If providing a high quality of care is “concierge”, then maybe we are. Direct Family Care physicians provide attention to detail that is missing in most medical practices. You will always see a healthcare provider that will work for YOU, not a corporate employer. Expect same or next day appointments for urgent conditions; extended visits; direct coordination of care; messages returned and prescriptions refilled in a timely manner; office staff that knows you; and care provided in a comfortable and clean environment.
Our patients are treated as we would expect our family to be treated.
Can you show an example of the savings?
As part of Direct Family Care, you will have access to many other services, with discounts of 50-90% off of regular charges*. Our affiliated service partners include a national lab, accredited imaging facilities and board certified physicians. The prices for most service will be listed menu-style, so you’ll know ahead of time what things cost. This is true price transparency. If you have a high deductible insurance plan, you can choose to pay the contracted rate or pay cash through your Direct Family Care plan and pocket the savings!
*Discounted prices apply only if paid at the time of service, otherwise regular charges apply.
How does price transparency help me?
A little known secret…many times, our members’ self-pay prices beat what you would pay by using your health insurance benefits. We secure complete price transparency for services from our preferred partners. Our members know exactly what they will pay for imaging, labs, physical therapy, medications and certain specialty care.
Do I Need to Sign a Contract?
Yes. In order to keep our prices low we ask for a 12 month commitment. At the end of the contract term you may cancel. After, your contract will renew month to month.
I want to see the doctor, but I’m not sure if I want to sign a contract.
You are welcome to see our providers on a fee-for-service basis at our standard rates. You may convert to a Direct Family Care membership at any time. Fees paid for the most recent visit can be applied towards your membership dues if you convert to a membership within 30 days of that office visit and membership will be retroactive to that visit.
What if I need medication?
Many medications are available in an acceptable generic form. Our providers are knowledgeable on how to get you the best prices on medications. Brand name medications can be pricey, but our affiliated pharmacies will try to help you find the best prices in town.
Are Family Members Eligible for Membership?
Yes. Direct Family Care providers see patients ages 5 and up.
How can I Enroll?
Click on the CONTACT US button on our Website at DirectFamilyCare.com and send us your information. A representative will be in contact. Or, you can call us directly at 813-641-0007 and tell the representative that you are interested in membership in Direct Family Care.
I am Currently Enrolled in Medicare, but the Direct Family Care Prices are Less Expensive than I Pay with Medicare. Can I Become an Direct Family Care Member?
We regret that patients that are eligible for Medicare are unable to enroll in Direct Family Care. Because our providers and partners are Medicare providers, it is a violation of Medicare rules for these providers to collect money for services that are covered under Medicare.
If my insurance status changes, can I cancel my membership?
You may non-renew your membership at the end of your first annual term. After that, your month-to-month membership may be cancelled at any time.
I own a business. Can I provide Direct Family Care to my employees?
Of course. Ask about our special corporate pricing. No business is too small or too large to benefit from Direct Family Care.
Although we aren’t a worker’s compensation provider, since we don’t charge for our services, we can treat minor work related problems without any difficulty, often saving a claim on your worker’s compensation policy.
How can I save on insurance costs by being a patient of Direct Family Care?
Many times patients purchase expensive “Cadillac” plans that require little or no co-pay and that cover all lab costs and prescription costs. However, with Direct Family Care your membership covers your office visits at our practice, in-office tests and many procedures without copays or hidden charges. Combined with our discounted labs and imaging our patients may find it worthwhile to change from a high priced “Cadillac” health insurance plan to a low cost basic health insurance plan to potentially save thousands.
What does the membership fee cover?
The fee covers excellent primary care through 25 office or telemedicine visits, annual wellness exams, basic office procedures, in-office testing, treatment of acute illness and access to your doctor after hours via telemedicine, all with minimal to no wait times in the office.
Our patients will also have access to discounted labs and and imaging.
What if I decide to cancel?
We expect to have an open, honest, respectful relationship with you. If you have voiced a complaint that we cannot satisfy together, either party can terminate the membership with 30 days of notice.