Many Americans currently do not have access to comprehensive medical coverage through commercial insurance plans or, if they do have coverage, have deductibles that are so high they can not afford to use their plan. According to a 2019 survey, 13.3 million people have health plans with high premium contributions relative to their income, and 6.2 million have high out-of-pocket costs relative to their income. 4.1 million have both.
It leads to an experience millions of Americans have had: you go to the doctor for a diagnosis, get a prescription, and when they take it to the pharmacy to be filled are hit with a staggering bill; sometimes running into the hundreds of dollars. Or they are told to schedule a surgical procedure only to be told that they need to pay in advance, even though they have insurance.
As a result, many people are facing significant financial hurdles in just trying to maintain their health and address their acute and chronic conditions.
Consider This
The average American spends $1,200 annually on prescription drugs and the cost of a single doctor visit can vary from as little as $68 for a very minor problem requiring counseling and treatment (approximately 10 minutes with a nurse practitioner and maybe another 10 minutes with a nurse who updates your medical records and takes some fundamental measurements) to around $234 for a more complex visit with a doctor requiring a comprehensive examination (approximately 40 minutes on average). If a specialist is needed, they typically charge $250 or more just for a consultation.
This does not begin to take into consideration the costs associated with admittance to a hospital for outpatient surgery where costs average $2,607 per day. And if you are admitted for an overnight stay, costs soar to an average of $9,300 for those that do not have insurance.
Even for those that have insurance, the out-of-pocket costs are extremely high. In 2020 the average health spending for a family of four in the U.S. was $25,011. This figure includes spending on monthly premiums and includes meeting the plan’s deductibles.
For only $34.95 per month, you and your family will get unlimited access to:
Have unlimited virtual access to emergency room trained doctors 24/7 who can diagnose your condition, write a prescription, provide referrals, and follow up contact to make sure that your condition has been addressed.
Direct your telemedicine doctor (or any doctor for that matter) to write a prescription using our online pharmacy program which offers 90% of all generic medications free on either a 21-day acute basis at any walk-up pharmacy you choose or a 90-day chronic mediation prescription delivered right to your door via mail order. If your medication is a brand name and cannot be substituted, or if it is one of the few generic medications not on our list, you can take advantage of our buying power by purchasing it at a deep discount to retail.
Provides access to confidential mental health care and counseling and care coordinators 24/7. You can decide the background of your counselor and if follow-up sessions are needed you can continue with the same counselor. And the sessions will last as long as the counselor feels they need to be.
Need to have a medical procedure done at a hospital or outpatient facility? Just go online to find the service and where you would like to have it performed. Then purchase a voucher at a deeply discounted price to have the procedure performed.