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Savvy Health Model – Traditional Self Insurance With Enhancements

Savvy Health Model – Traditional Self Insurance With Enhancements

Savvy Health Model – Traditional Self Insurance With Enhancements

As healthcare costs escalate, innovative payment and care models offer alternatives to traditional insurance. Paying medical expenses with cash directly to providers, establishing direct primary care (DPC) relationships, offering employee concierge benefits, and utilizing capitated prescription (RX) plans can enhance affordability, access, and quality. This white paper outlines the key advantages of these strategies.

1. Paying Medical Expenses With Cash Direct cash
payments to service providers often result in lower costs, bypassing insurance markups and administrative fees. Providers may offer discounts (up to 30- 50%) for cash transactions, improving patient-provider relationships and reducing out-of-pocket expenses.

2. Direct Primary Care (DPC) Relationships
DPC models involve a flat monthly fee (typically $50- $150) for unlimited primary care services, eliminating copays and deductibles. This fosters personalized care, shorter wait times, and better chronic disease management, saving 15-20% on overall healthcare costs.

3. Employee Concierge Benefit Access
Concierge benefits provide employees with dedicated support to navigate healthcare, access specialists, and secure appointments. This reduces lost productivity and enhances satisfaction, with companies reporting up to 25% improvement in employee health outcomes.

4. Capitated Prescription (RX) Plans
Capitated RX plans involve fixed per-patient payments to pharmacies, ensuring predictable drug costs and encouraging generic use. This can lower prescription expenses by 10-30% while guaranteeing access to essential medications.

5. Integrated Cost and Quality Benefits
Combining these approaches reduces reliance on high-premium insurance, offering transparency, predictability, and improved health outcomes. Employers save on premiums, while employees gain tailored care and financial relief.

Challenges and Considerations
These models require careful budgeting, provider agreements, and employee education. Consulting healthcare advisors ensures seamless integration and compliance with regulations.

Conclusion
Paying with cash, DPC relationships, concierge benefits, and capitated RX plans provide a cost-effective, patient-centered alternative to traditional healthcare. These strategies enhance savings, access, and employee well-being, making them viable for individuals and businesses alike.

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