HDN can dramatically improve your health over insurance care.
BETTER HEALTH CARE
The HDN Healthcare Philosophy
In the last decade, medical researchers seeking optimal care have rejected the reactive models of the insurance world for a preventive and value-based model called Patient-Centered Medical Home (PCMH). This approach asks patients to be in charge of their care, and primary care doctors (and their staff) to build deep, contextual relationships with their patients by not only providing direct care but also consulting on the best medical options, outcomes and costs across each patient’s entire medical journey. The early experiments in PCMH have yielded staggering results. As an example, PCMH can keep a diabetic out of the hospital more than 90% better; it can keep cardiovascular disease patients out of the hospital more than 63% better. And the list goes on.
Insurance’s control, cost obfuscation, removal of the patient decision maker, structure, processes, incentives (and disincentives) do not and cannot align with PCMH.
But HDN was built from the ground up to help patients create and manage cash-paying health care services that facilitate unrestricted PCMH care. We bring you coordinated Direct Primary Care and Health Sharing (plus more).
Direct Primary Care, or DPC, is monthly subscription medical care (like paying a mobile phone bill—and about the same cost) paid directly to your primary doctor or clinic. This simple model brings incredible advantages:
Fewer Major Medical Events
It may, at first, appear that DPC patients spend more because they are paying their doctor whether they see her or not. The reality, however, is very different. DPC patients (as opposed to traditional insurance patients) are healthier. They have:
- 60% fewer ER visits,
- 35% fewer hospitalizations,
- 63% fewer MRI & CT scans,
- 66% fewer specialty visits, and
- 18% fewer surgeries.
One prevented trip to the ER or secondary medical can pay for the DPC membership for the year.
Promotes Preventive care
Because patients have “already paid” each month, they utilize the clinic as often as needed to become and stay healthy rather than waiting until they are very ill. There is no per-visit charge for the doctor, and most low-cost in-office consumables and labs are free. Other than patient time and convenience (which Remmedy helps to solve with mobile clinics and innovative telehealth) there is no reason not to engage the doctor to get—and stay—healthy.
Increases Access to the Doctor
DPC patients usually have same-day appointments, wait less than seven minutes in-lobby, and see the doctor for as long as they need. DPC patients also call, text and email their doctors at any time (as long as they don’t abuse the privilege).
Improves Quality of Care
- DPC doctors have time to visit with their patients. They don’t spend 40% or more of their time on insurance coding and billing—in fact, they don’t have billing, or collections, or a wait to be paid. DPC doctors have the time to get to know you and really take care of you.
- DPC doctors are not burned out. 47% of insurance paid doctors are. But DPCs see their families every day. They don’t work twelve hour shifts. They have no insurance billing issues. Their minds are clear, and their empathy tanks are full. They are at their best.
- Most DPC doctors are seasoned, experienced professionals who grew dissatisfied with the insurance and medicare worlds and made a break for it.
- Your DPC doctor doesn’t ‘refer and abandon’ you like insurance-paid doctors have to. He can afford the time to confer with a referred physician to provide not only your medical history but context gleaned from his relationship with you. He helps you to understand the specialist’s assessment, diagnosis, treatment plans, likely outcomes, costs and timelines.
- DPC doctors reconnect themselves and their patients with the costs and value of healthcare options, making more responsible consumers. This has also lead to DPC patients following treatment plans more diligently . . . with better outcomes.
While DPC is fantastic for helping improve quality of life and prevent major medical expenses in your life, it does nothing to help you pay for them when they happen. This is where Health Sharing comes in.
Community-based Major Medical Risk Mitigation
Health Sharing is a community of like-minded members committed to living healthy lives and helping one another pay their major medical costs. Most do this by asking for a membership contribution every month that is pooled to pay for the qualifying major medical costs of their members.
Health Sharing in History
Health Sharing is a four-decades-old alternative to catastrophic health insurance that is now growing very rapidly. More than 2 million Americans are now protected by health sharing, paying out more than $1 billion in medical claims. While this is small compared to the headcounts and payment history of insurance, it is a sizeable enough to assure us it has been well-vetted. Health sharing is an established alternative to insurance.
Health Sharing communities tend to aggregate health-conscious members. Right off the top this helps you save. They are non-profit and contractually limit how much of monthly membership fees can be used toward overhead. This too saves you money. Ultimately, though, the biggest savings derives from their commitment to cash-pay which can save from 25% to 75% off insurance pricing (See Save Money.)
While health sharing entities do not require a DPC doctor, most will provide a discounted membership rate to the patients of a DPC clinic—due to its preventive care and its profound reduction of major medical events.
Unlimited Medical Choice
Health Sharing allows you to choose your doctor, your hospital, an out of state “center of excellence” for improved outcomes and lower costs, or any clinically valid treatment, etc. In short, your care options are almost unlimited.
Some Differences to Consider
- Health Sharing is NOT Insurance. This means Health Sharing agrees to pay your major medical bills on a “best-efforts” basis. Insurance is, by definition, a financial guarantee of payment. That said, Health Sharing providers have been paying their bills for 40 years.
- Health Sharing is also popularly known as Health Sharing Ministries because many of the early organizations were religiously based. Remmedy’s Health Share partner is NOT religiously based. This means we accept everyone who will contract to live a healthy life style.
- Some Health Sharing Ministries have a bad reputation with medical providers. This extends from their protracting the payment process. Remmedy’s Health Sharing partner has a 5-Day Pay policy. Five days (or less) from submission of all bills, the payee receives funds. (Coming soon, Remmedy will also have a finance partner to help you pay your portion or to gap fund for providers.)
If the patient pays cash for medical services, the patient controls the quality, convenience, and costs of healthcare.
The patient cares the most about these outcomes and by directly employing doctors to achieve them, patient-doctor incentives are aligned.
HDN makes patient cash pay work as a replacement for insurance by coordinating Direct Primary Care and a more mature version of Health Sharing.
To fully leverage the cash pay advantages, we go to some length to avoid being legally defined as insurance; carefully navigating compliance requirements, but primarily by NOT “guaranteeing payments”.
Health Share is reliable coverage on a “best efforts” basis serving 2 million Americans and paying more than a billion dollars in health care payments annually.