HOW MUCH CAN I SAVE?
With a direct primary care membership for essential services, most families choose a higher-deductible major medical health plan. Four medical insurance examples from the Your Health Idaho website are shown in the table below, illustrating the monthly cost and out of pocket differences between a high-deductible and low-deductible plan for an adult.
The savings can be significant, with the cost reduction substantially exceeding the monthly adult fee for Initial Point Assured’s direct primary care services. In addition, there is the added money-savings bonus of first-dollar coverage for direct care services (no out of pocket, no deductible, no co-pay). We recommend you work with your trusted insurance advisor to determine the option which is best for your family.
|Premium Amount (monthly)||$492.28||$760.27||$889.96||$1,028.46|
|Max out of pocket||$6,850.00||$6,850.00||$6,850.00||$5,000.00|
|Coinsurance||50% Coinsurance after deductible||15% Coinsurance after deductible||15% Coinsurance after deductible||20% Coinsurance after deductible|
Source: Your Health Idaho
There is no waiting period. Your benefits can begin immediately or after open enrollment.
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