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Scenario #1
Kelly is an 18 year old college student from out of state. She is still on her parents insurance plan, but because she is here out of state it's not always easy to find a provider that takes her insurance. She comes down with a sore throat and after a few days decides she should go in for a visit.
DPC
Office Visit (included)
Strep Test (included)
Prescription antibiotics $4 (using GoodRX)
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Monthly Membership $80
+
Antibiotics $4
Total Cost = $84
Traditional Urgent Care using Insurance
Office Visit ($145)
Strep Test ($45)
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Total Cost after Insurance = $190
Note that Kelly was seen by an "in-network" provider but she had not not yet met her $2,000 yearly deductible, so she was responsible for all costs.
Scenario #2
John is self-employed with a high deducible plan. For the most part he is healthy and doesn't ever need to go to a doctor. Recently John discovered he has high blood pressure and because he has a family history of heart problems he's been wanting to see a medical provider.
DPC
Office Visit (included)
Select labs CBC, CMP (included)
EKG (included)
Additional labs at provider discount- lipid panel, CRP, Apolipoprotein B, hemoglobin A1C ($55.04)
__________________________________
Monthly Membership $80
+
Additional Labs $55.04
Total Cost = $135.04
Traditional Office Visit with Insurance
Office Visit ($185)
EKG ($145)
Labs CBC, CMP, lipid panel, CRP, Apolipoprotein B, hemoglobin A1C ($592.76)
________________________________________________
Total Cost = $922.76
Because John hasn't met his deductible he is responsible for the full cost.
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