Combine insurance with DPC

The news is out. BCBS will be increasing their rates 22.9%  This is less than last year’s increase of 24.3% but the dollars are still flying out while the quality of care keeps declining. http://blog.bcbsnc.com/…/premiums-rise-2018-affordable-car…/

We are recommending people look at their insurance plans and go to a higher deductible plan and become members of OneMD Direct. Typical savings switching to a bronze plan from a gold plan range $2000-$9000 a year. With that savings a OneMD membership of $900 a year makes a great combination.

Take a look at the most common plans from Blue Cross Blue Shield to see what you get from each:

What’s included / fees per plan GOLD SILVER BRONZE
Deductible in network $1,500 $5,000 $7,150
Deductible out of network $6,000 $20,000 $28,600
Family deductible in network (if applicable) $3,000 $10,000 $14,300
Family deductible out of network (if applicable) $6,000 $40,000 $57,200
Primary care co-pay in network $5 $10
Primary care out of network 40%
Urgent Care Co-pay $30 $40
ER Visit After deductible $500 $600
Rx deductible $200 $200
Co-insurance in network 10% 30% 0%
Co-insurance out of network 40% 60% 30%

Now look at what each plan would cost – the monthly premiums. These numbers came directly from the BCBS of NC website.

Highest  Gold Plan Lowest Silver Plan Lowest Bronze Plan
55 years old $1,001 $781 $7,150
Couple each 55 years old $2,251 $1,756 $1,469
45 years old $665 $519 $434
Couple each 45 years old $1,468 $1,145 $957
35 years old $599 $467 $391
Couple each 35 years old $1,199 $935 $782

Look at what the Gold plan and the Bronze plan total up to annually and see the savings if you convert from a gold plan to a bronze plan.

Annual for Gold Plan Annual for Bronze Plan Savings
55 years old $12,012 $7,944 $4,068
Couple each 55 years old $27,012 $17,628 $9,384
45 years old $7,980 $5,208 $2,772
Couple each 45 years old $17,616 $11,484 $6,132
35 years old $7,188 $4,692 $2,496
Couple each 35 years old $14,388 $9,384 $4,004
Let OneMD take care of your primary care. Many things people go to urgent care or ERs can be treated with primary service. Chronic or avoided health issues can be handled to give you better care and better health.  The savings you can create by adjusting your insurance plan can more than cover an annual membership with OneMD Direct.