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24 Dec Does Insurance Cover House Call Visits?

Posted at 21:11h in Concierge Medicine, Family Medicine, Functional Medicine, On-Call Urgent Care by

If you are looking to switch from conventional medical care to house call doctors, you will likely ask if insurance can cover house call visits before you commit to it. Most house call doctors use several different payment models, but the most common one is based on membership fees rather than pay-as-you-go costs. Here are some of the ins and outs of these two models so that you can decide which one best suits your needs.

Does insurance cover house call visits?

Once you’ve found a concierge doctor, it may seem essential to ensure that their practice accepts your insurance. Unfortunately, home doctors rarely accept insurance, although some services may be eligible for reimbursement.

However, it’s important to remember that monthly plans or even pay-as-needed models still allow you to see a concierge doctor without outrageous costs. Some patients can save thousands of dollars on routine medical care if they have a doctor who’s not burdened with extra overhead and can focus entirely on them.

Let’s take a look at these two payment models and how they can actually save you money.

How does a membership model work?

Most doctors that offer house calls typically do so using a membership model. They charge a monthly or annual fee. This can range from $250 per month to over $1,000 per year. Costs are typically out-of-pocket, although some services may be eligible for reimbursement by insurance depending on the provider.

House calls memberships generally offer more services than a standard GP. For example:

  • Some membership plans allow for unlimited visits within a certain period.
  • Other plans may also come with bonuses like blood pressure checks and regular health consultations to make sure you’re up-to-date on all of your routine screenings and checkups.
  • Many memberships come with perks like periodic discounts on products or services that can help you stay healthy. For instance, some membership plans may offer free health screenings every year, which can help you get ahead of potential problems before they even develop.
  • Other benefits can include monthly testing, discounted monthly vitamin drips, annual physicals, and much more.

The specific costs and services offered will vary from provider to provider, so it’s important to check what’s on offer and how much the services cost before signing up.

How does a pay-as-you-go model work?

Pay-as-you-go plans also exist, but they’re much less common these days. With these models, you only pay for visits when you need them. Typically, they cost more per visit than membership plans, but there are no recurring fees that come with them. If you only need medical care occasionally or expect to be in great health for years to come, a pay-as-you-go model could work out well.

If you do choose a pay-as-you-go plan, ask yourself how often you’ll likely need to visit a doctor. If some issues flare up more than others, signing up for recurring visits could save you money over time. However, if you typically feel great for years at a time, paying on an as-needed basis might be cheaper.

Which payment model should I use?

House call doctors have to use the two main ways mentioned earlier to bill patients: membership and pay-as-needed. You can use a combination of these models or choose one based on your personal finances.

  • Memberships offer comprehensive treatment options and regular services for people who need regular care or want to optimize their overall health and wellness.
  • Pay-as-needed structures are best for patients who are generally healthy and don’t need regular visits.

Remember that no matter which model you choose, you should always make sure you’re happy with the doctor who is providing your care!

Related:

In-Home Healthcare With Concierge MD

When it comes to your health care, you should focus on the care itself and being comfortable instead of how much a service will cost or if it is covered by insurance. With Concierge MD, you know exactly how much your treatment will cost you upfront. You can not only select from our comprehensive list of services for one-time treatments, but you also can opt for a monthly membership.

Unsure what payment method to select? Give Concierge MD a call, and one of our specialists will walk you through our services to help you decide.

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