Patient A was experiencing some belly pain. Unable to get an immediate appointment with his doctor. His doctor’s office instructed “If he felt like it was bad enough that he needs to be seen today, he should go to the ER or an Urgent Care.”
|Patient A went to the ER and was treated. His bill was:||As our patient, Adam would have come to our office and paid:|
|Blood draw charge – $38.14||Blood draw charge – $0|
|Chemistry – $3524.14||Chemistry – $65|
|Hematology – $1782.95||Hematology – $29|
|Urology – $231.79||Urology – $11|
|Chest x-ray – $490.94||Chest x-ray – $25|
|CT scan – $10955.13||CT scan – $300|
|ER Level fee scale – $2700.18||ER Level fee scale – $0|
|Total $19,723.27||Total $430|
You can be seen same day, get stat labs & x-rays and have the doctor that knows you and your history at your side to advocate for your needs.
But you say in the first scenario Adam would have been able to use his insurance. Yes, BUT there would be an ER co-pay (typically $150) Deductible typically $2700 – $5000 Coinsurance typically 30% of bill after deductible has been met (30% of $19,723.27 – $5000 equals additional payment of $4,416.98). Total ER cost for Adam would be close to $10,000 vs $430 at OneMD Direct.
The payment to the ER would be 10-years of OneMD Direct membership.
This example also shows the inflated costs that have become common in our current system.