Most insurance plans now have outrageous deductibles and out-of pocket maximums for patients (especially in specialty fields like Dermatology), resulting in non-transparency and much higher cost with more limitations of care. For example patients are forced to pay high premiums, and still have high deductibles when they present for a simple medical Dermatology visit even for an “in network” visit. In addition, almost always, the patient ends up having to pay for additional procedures performed during their visit (biopsy, freeze, etc). After the patient is seen, a claim is filed, for which patients may end up having to cover more of that visit or procedure if their insurance “denies” the visit for any reason.
In an insurance model, third party insurers limit what they cover during a routine visit. Oftentimes, physicians are unable to perform multiple procedures on the same day of the visit, or different procedures are denied depending on when they are performed. With a direct care model, you and your physician have the freedom to choose when your procedure is performed, and there are no limits to procedures during a visit. This allows for less unnecessary follow-ups and flexibility for patients.
In order to increase denials, insurance models require physicians to fill out numerous inundating senseless paperwork not related nor beneficial to the patient’s care. This in turn forces physicians to have to see triple or quadruple the number of patients in order to sustain their practice. In a direct care model, that time is dedicated entirely to the patient and not to useless insurance requirements. Therefore your physician can actually spend time with you and can see much less number of patients. Because appointments have true dedicated times, this means non-rushed visits, and dedicated time to address all your concerns. This also means, there is no delegating information to staff, rather your physician performs most of the education and counseling related to your care.