How We Use Concierge Medicine and Healthcare Sharing

188: Saunacast: How We Took Control of Our Healthcare and Insurance (& Saved Money)


It is not any secret that we dwell in a world the place we face quite a lot of probably dangerous issues every day. From plastic exposure to all the components in our meals system and even over-exposure to blue-light, our our bodies face lots every day.

These, and many different components, might assist clarify why we’re seeing such a drastic rise in so many difficult health circumstances that don’t reply to a easy trigger>symptom>therapy medical mannequin. In this Saunacast, Katie and Heather Dessinger share how they (and their households) have each confronted unconventional health issues and the good lengths (and expense) it took to seek out outcomes.

The Two Factors That Changed Everything

Katie’s battle with Hashimoto’s and Heather’s household struggles with different health points led them to quite a lot of analysis. This additionally set in movement an extended technique of looking for docs and practitioners throughout the conventional insurance coverage mannequin who understood the complexities of those circumstances.

Eventually, pissed off by the lack to work throughout the system, they each thought-about an unconventional strategy that lastly led to solutions (and to saving some huge cash in the long term!) Today, they share the system that has labored for each of them and the right way to customise this method to work for your loved ones.

Concierge Medicine

Using a concierge mannequin for a major care physician, each Katie and Heather have been capable of finding a health care provider who had the time and experience to assist with their health challenges. The advantages are that these docs know their total medical historical past and have fewer sufferers and extra time for every affected person. Having extra time means these docs even have the bandwidth to analysis and focus on particular circumstances and challenges.

Thanks to expertise, these docs can be found at any time when they’re wanted by way of e mail, textual content, or video chat and can work with specialists of their native space when wanted.

They every now pay a small month-to-month price to have their physician obtainable at any time when wanted, and there are not any further copays, expenses for speaking to the docs, or different uncommon charges (apart from exterior charges like labs, that are finished via cheap native choices).

Healthcare Sharing

The different piece that made their plan work was switching to health care sharing as a substitute of conventional insurance coverage. If you’re unfamiliar with the idea, right here’s the essential gist:

Instead of paying cash to an insurance coverage firm every month, they every now ship cash on to a person or household who has a medical want that month. In the occasion that considered one of their households has a medical occasion or invoice that meets the factors, they submit the invoice and different members ship them checks to cowl the payments. This has been actually helpful for a number of causes:

  • This makes them technically “self-pay” within the eyes of most medical institutions. Many locations provide a steep self-pay low cost (80% in some places) with an extra low cost for paying that day.
  • Since health care sharing is considerably cheaper than insurance coverage, they put the additional cash in a financial savings account and use it if wanted to pay a invoice the day the cost is incurred to get the low cost.
  • The total quantity is then reimbursed.

Katie and Heather each use Samaritan Ministries which is a Christian group (although there are many different options that are reviewed in depth here). If you determine to take a look at Samaritan Ministries, allow them to know Wellness Mama referred you! A brand new group known as Knew Health is opening quickly and will not be faith-based however targeted on these fascinated by being wholesome (which additionally reduces health care prices).

But, What About the Costs?

Glad you requested. This was one of many greatest advantages of switching, in addition to the higher health care and really discovering solutions. Here’s an instance…

Before switching to this method, Katie and her household have been paying over $800/mo for insurance coverage. This is after they have been newly married and this quantity was a big a part of their month-to-month revenue, however since they have been within the section of life of getting children, they noticed it as their solely possibility. But it had a deductible of $5,000 and solely lined 80% after that, so in any 12 months with a medical occasion or a child born, they got here out of pocket over $15,000 (insurance coverage month-to-month premiums + deductible + share they paid). And the insurance coverage usually didn’t cowl the docs they wished to see, the kind of delivery Katie wished to have, or many basic labs.

Comparatively, they now pay just below $500/mo for Samaritan, plus about $200/mo for all of them to have entry to SteadyMD. This works out to round $8,000 a 12 months and they don’t find yourself paying any extra out of pocket when somebody breaks a bone, has a child, and even has main surgical procedure.

As an instance, when Katie’s husband’s appendix ruptured years in the past, resulting in surgical procedure and an extended hospital keep the preliminary invoice was over $132,000. The self-pay low cost + paying up entrance received it all the way down to round $12,000 which was completely reimbursed by Samaritan and they didn’t find yourself paying out of pocket for it.

Will It Work for Everyone?

Short reply… no. But this mix could also be a terrific possibility particularly for sure forms of folks:

  • Entrepreneurs who pays enormous month-to-month premiums for impartial insurance coverage
  • Those who are likely to give attention to wellness and preventative care vs. visiting the physician for all the pieces
  • Anyone who prefers dwelling delivery nevertheless it isn’t lined by conventional insurance coverage
  • Those who don’t use medical care usually and choose to economize

This is unquestionably an outside-the-box resolution although choices like this have gotten extra obtainable and extra widespread. Anyone contemplating these ought to do their analysis, name, and ask questions and guarantee that any plan or program is really a great match.

How about you? Do you’ve got any expertise with directing your personal healthcare on this method? Ever used a healthcare sharing group or concierge medication? Please share your suggestions and expertise within the feedback!

Please take two minutes to leave a review on iTunes. I worth realizing what you assume and this helps different mothers discover the podcast as nicely!

Special Thanks to Today’s Sponsors

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