The average healthcare insurance CEO makes millions in bonuses. The average family in RI makes $63,870. Yet insurance companies have multiple roadblocks in place to decrease what they cover for the average patient.
As primary care doctors, whether we practice in our model of direct care at Direct Doctors (monthly membership), or a traditional fee for service model (you pay per visit, usually billed to insurance and then a copay requested from you), all PCPs have to jump through insurance company hoops.
For example, if I see a patient of mine who has injured their knee and it seems pretty certain to me they have torn something that likely requires surgery (and won’t get better with just therapy and ibuprofen), my job as the physician is to recommend and order for an MRI. If a patient does not have insurance, or has a healthshare like Liberty, I can send that order directly to the imaging facility and the patient can pay the cash price, which in our experience is from $400-700.
Lauren Hedde, DO; James Hedde, DO and Mark Turshen, MD are Family Physicians and Co- Founders of Direct Doctors, Inc. a Direct Primary Care Practice.