This is the garbage that goes on in the system. I really feel for this young woman.
Her 5-month-old has a fever. They go to the doctor and get a nose swab.
She is worried about the bill because, of course, the system is not transparent. She Googles the max amount, and it predicts $300 for the visit. She hopes that maybe insurance will do something, so the bill will be less.
Nope.
Total bill = $984
Cigna only covers a little more than half.
$443 out-of-pocket.
“Why do we have insurance? I need someone to explain this bill to me.”
Yes, Cigna sucks, but they all do.
Direct Primary Care fixes this. Combine with a much lower-cost catastrophic plan plus an HSA and this video doesn’t happen.
Dr. Farrago is a retired family physician based in Forest, Virginia. Since 2021, he has run DPCnews.com, a leading resource for the Direct Primary Care (DPC) movement.
He is the author of three best-selling books on Direct Primary Care:
The Official Guide to Starting Your Own Direct Primary Care Practice
The Direct Primary Care Doctor’s Daily Motivational Journal
Slowing the Churn in Direct Primary Care (While Also Keeping Your Sanity)
In 2016, Dr. Farrago conceived the idea for the Direct Primary Care Alliance and co-founded the organization alongside other pioneering DPC physicians. He is widely recognized as a leading expert in the DPC model and frequently lectures to medical students, residents, and practicing physicians on how to successfully start and run their own DPC practices.Dr. Farrago sold his Direct Primary Care practice in October 2020 but continues to receive care there as a patient.
You should reach out to her.