Covered, and not
8 things this does not pay for, and 8 it does.
The longer list is the important one. Membership here is not health insurance, it does not replace it, and it will not help with a hospital bill.
Not covered
- Hospital care of any kind, including the emergency department
- Specialists, and anything a specialist orders
- Imaging beyond what fits in this building
- Surgery, anaesthesia, and everything around them
- Prescription costs at a pharmacy
- Ambulances
- Maternity care and delivery
- Anything at all once you are admitted anywhere
Covered
- Unhurried appointments, thirty to sixty minutes, as many as you need
- Same or next day when something is wrong
- Direct mobile number, answered by the doctor
- Annual visit and ongoing management of chronic conditions
- In-office procedures: stitches, joint injections, skin lesions, ear syringing
- Labs at wholesale, billed at what they cost
- Common medicines dispensed here at wholesale
- Visits by video or phone when that is genuinely enough
If you are choosing between this and insurance, choose insurance. Then, if you can, have both.
A high-deductible plan covers the hospital-shaped disasters that would bankrupt you. This covers the ordinary week. They are not substitutes for each other and the practice will say so before taking your money.
Ask about a place