Comparison

Direct Pay Subscription

  • Cost per month (one time $90 registration fee)

    • $85 per adult, $45 per child

  • What this fee covers​

    • office visits with Dr Mcelrath​

    • telehealth visits with Dr Mcelrath

    • 2 mental health visits with licensed therapist

    • 60 min massage every 3-6 months

    • nutrition website

    • at cost labs and medications

      • no up-charging ever!

    • reduced rates on well researched nutritional supplements​

  • Copays

    • none ever!

  • Labs​

    • up to 75% off typical prices​

  • Deductible​

    • not an issue here, you've paid for Dr Mcelrath to do what she can for you​

  • Specialists​

    • Not covered by the subscription​

      • But Dr Mcelrath will discuss your case prior to sending you so that the workup is thorough ​

Private Insurance Plan

  • Cost per month (premium) 

    • $100-450 per adult, family plans increase the cost based on the number of members​

  • What this fee covers​

    • access ​to the plan physicians

    • wellness visits (no illnesses)

    • access to medications on the formulary

  • Copays​

    • $20-50, depending on specialty, ​with every visit

  • Labs​

    • based upon the codes uses​

      • if you haven't met your deductible then you are sent a bill​

  • Deductible​

    • $500-5,000 has to be paid before insurance will cover anything other than wellness appointments​

  • Specialists​

    • typically need referral by primary care​

    • more expensive than seeing your primary physician

    • can takes months to get scheduled

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