A Cure for the Common Coverage
Traditional health insurance programs discourage regular visits to the doctor by adding extra costs to each visit (copays and deductibles) . Patients often wait until the last minute to see their doctor, which often leads to worsening symptoms and a higher cost of treatment. While there are many government policies and insurance companies all working to find an answer to healthcare, we feel that the simple solutions are always the best solutions. Many years ago, health insurance covered only catastrophic healthcare and patients would pay their primary care doctors directly for the routine care they received (90% of all healthcare), PrimaCare Direct is bringing back that model. Members pay a low, monthly fee directly to their clinic for limitless primary care coverage and the clinics do not bill insurance.
Welcome to Healthier Healthcare: affordable healthcare created by doctors, focused on wellness and partnerships
PrimaCare Direct is a cooperative of clinics in Minnesota that want to lower the cost of healthcare to the patient, while focusing on providing exceptional care centered on wellness. These clinics take providing superior healthcare seriously and believe that good health starts with primary care. The physicians work directly with their patients on proactive medical planning and offer tools to keep them healthy and happy for life, rather than simply being there for "fixes'. PrimaCare Direct encourages patients to visit their physician regularly and build a working relationship to achieve good health outcomes. This is a whole new way to think about healthcare coverage - where each patient has a primary care doctor, focused specifically on their wellness for one affordable, monthly fee.
Medicine Minus the Middleman
PrimaCare Direct offers limitless primary care for one affordable monthly fee and functions outside the insurance system. The clinics that are part of the cooperative work directly for their patients to provide exceptional primary and preventive care services. By eliminating payments to the middleman, the health insurance companies, PrimaCare Direct is able to directly pass the savings to you, the patient.
Members typically see a significant decrease in their annual healthcare expenditures. There are no extra payments collected for primary care visits and increasing the number of yearly visits generally lead to greater overall health outcomes, which in turn leads to significant longterm healthcare savings.
While Primacare does cover a wide range of usual and customary primary care services, exclusions for services do exist. If you are unsure of the coverage status for a particular service, it is recommended that you call the office PRIOR to rendering that service. Immunizations, allergy testing, the office visit for allergy testing, allergy injections, and allergen blood tests are examples of services not covered under Primacare. The physician may provide you with recommendations based on best medical practice to provide you with the best possible health care. Those recommendations are not a guarantee of any type of payment coverage.
Chronic Disease Care
Office Procedures and Supplies
Yes, patients are required to carry a major medical plan with their PrimaCare Direct membership. PrimaCare direct covers 90% of medical needs, but it will not cover 100% of medical needs. For the rare occasions that you need to visit a hospital or receive specialty care, you can pair your PrimaCare Direct membership with your own health insurance plan. The chart below shows examples of plan usage. Call 612-444-6600 if you have any questions.
Working directly with a primary care physician on proactive medical planning can keep you healthy and happy for life. Below are the top reasons to consider when deciding if PrimaCare Direct is right for you and your family.
PrimaCare Direct functions outside of the insurance system and provides another option to clinics and patients. It gives patients direct access to their primary doctors and relieves doctors from the paperwork, policies, and performance hurdles set by insurance companies. Insurance is never billed for primary care services received by a PrimaCare Direct member. Since 90% of all healthcare needs can be met through primary care, your major medical plan will be used only for catastrophic, specialty, or hospital care. Eliminating your payments to insurance companies allows us to lower our cost of care and pass those savings onto you, the patient.
Our pricing structure is two things: simple and affordable. There are no hidden fees; the 2% mandatory tax is included. There are no copays, deductibles, or surprise bills at the clinic.
Cost for individuals & additional members: $75 per month
If a family has more than four members, each additional immediate family member will receive a complimentary membership.
Go to www.primacaredirect.com/enroll and follow the easy step-by-step guide. Typically, it takes less than 30 minutes to complete. Call 612-444-6600 with any questions.