Healthcare and Insurance costs are astronomical and everyone knows it. The sad truth is that no one has really done anything about it. The Affordable Care act has only caused insurance premiums to double and that is expected to happen again by 2017. There are several factors that affect these costs, but I only want to discuss labs and medications today.
Even if you’re a healthy adult and do not take any medications you should have routine labs checked at least once a year. Some insurance policies will cover these labs, while most will require some percentage to be paid. If something happens and you need just one extended work up, your lab costs can range anywhere from fifty to thousands of dollars in the current model. If you have insurance it may cover a portion of it, but that is usually only after you’ve met your deductible. Our health can be unpredictable, but our healthcare costs should not be. Access Med is able to offer labs at a highly discounted rate and can order any test that we feel you need. In most cases, we will be significantly cheaper than if you were using your insurance. Below is an example of our patient’s cost versus fair retail price for a few common labs:
That totals less than $18 dollars if you actually need all these tests for a yearly check up. Of course there are lab tests that cost more, but they are still much cheaper than what you’ll pay with or without insurance.
Medications can be very costly and in some cases they are the main reason that people carry insurance. While we are not able to save you money on every medication (namely brand names), we can get almost any medication if its not a controlled substance. Below is a list of common medications and our cost per pill vs cheapest retail cost:
As you can see we can even beat most places on over the counter medications. Obviously the prices will vary depending on strength, but this gives you an idea of what you can expect to pay through us.
We have heard multiple times from people that they do not think we are a good option for them because they carry insurance. The exact opposite is true. The above is just one way that we help you save money even with your insurance. We recommend that patients carry a high deductible plan with a HSA/FSA. You can use your HSA or FSA to pay for your medications, labs, and monthly subscription. The only reason you should have insurance is for catastrophic care.
We want you to be healthy and happy. We offer primary care the way it should be – patient focused and affordable. Come join us!