Comparison
Direct Pay Subscription
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Cost per month (one time $90 registration fee)
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$85-160 per adult, $45-90 per child
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What this fee covers
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office visits with Dr Mcelrath
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telehealth visits with Dr Mcelrath
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2 mental health visits with licensed therapist
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60 min massage every 4 months
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at cost labs and medications
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no up-charging ever!
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reduced rates on well researched nutritional supplements
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Copays
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none ever!
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Labs
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up to 75% off typical prices
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Deductible
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not an issue here, you've paid for Dr Mcelrath to do what she can for you
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Specialists
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Not covered by the subscription
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But Dr Mcelrath will discuss your case prior to sending you so that the workup is thorough
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Private Insurance Plan
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Cost per month (premium)
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$100-450 per adult, family plans increase the cost based on the number of members
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What this fee covers
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access to the plan physicians
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wellness visits (no illnesses)
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access to medications on a formulary
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Copays
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$20-50, depending on specialty, with every visit
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Labs
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based upon the codes uses
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if you haven't met your deductible then you are sent a bill
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Deductible
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$500-5,000 has to be paid before insurance will cover anything other than wellness appointments
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Specialists
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typically need referral by primary care
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more expensive than seeing your primary physician
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can takes months to get scheduled
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