I joined the No Insurance Club and...

I joined the No Insurance Club and...

Posted in the Family Practice Forum

Copays and deductibles

Chandler, AZ

#1 Dec 22, 2008
I just wanted to spread the word on what a wonderful program the No Insurance Club is!( www.NoInsuranceClub.com ) There's no co-pays, no deductibles,$1-4 prescriptions, VIP treatment, and so much more! The best part, I can visit the doctor with my family 16 TIMES PER YEAR, and it only costs me $680... Most people's deductible with their insurance is over $3000. Anyhow, take a few minutes to check them out. I feel it's my civil duty to spread the word about something that can help so many Americans! Happy Holidays
ANONYMOUS

United States

#2 Jan 6, 2009
What sounds too good to be true is just that! Physicians must agree to join this club.$5000 setup fee and a monthly fee of $1000. They must also agree to write off certain aspects of the visit, such as immunizations, breathing treatments-which are costly, annual exams are free to insured, but costly to physician. It will be difficult to find a physician who will pay $41,000 an agreed upon 3 year contract. Many physicians accept patients with no insurance, although they must pay in full for services. There will be confusion because of the name given to this insurance carrier.
Bye Bye CoPay

Gilbert, AZ

#3 Jan 27, 2009
This is cool. Check out the news. Saw this clip and had to sign up with a doctor of 7th and Thomas.
http://www.kpho.com/video/18574172/index.html
Doctor perspective

Phoenix, AZ

#4 Feb 5, 2009
Dear Anonymous,
Doctors pay $1300/month just to have their business advertised in the yellow pages. Here they are getting $80,000 monthly worth of advertizing thanks to the power of mass marketing. Patients are recruited for them, computer dashboards installed, pharmacies installed in their offices, and blood lab outlets also in the offices for one-stop-shopping for the patient. This has been thought out very well. Money given up by breathing treatments and vaccinations is more than made-up by the doctor's traditionally-insured patients needing drugs and paying the doctor the co-pay instead of shelling it out to a pharmacy. Five prescriptions a day pays the $1000. The average doctor writes 25 scripts a day. Also, the average patient sees the doctor every 3 months. At 4 visits a year, the doctor makes $200 per visit compared to the usual $50-75 in a traditional practice. All patients are pre-paid. Have 200 No-Insurance-Club patients in the practice, and you've made a million bucks upfront. The best thing is that they were recruited for you for only $40,000, and you didn't lift a finger to get them. Traditional medicine is 1. see the patient 2. bill the insurance 3. chase the money. With this system it is 1. Get your money first 2. wait for the patient who may or may not see you. The doctor does not need an extensive office staff to bill, code, and collect. That alone is worth more than a few nebulized albuterol treatments.
Know that this plan was piloted for 18 months before it was announced. At the time time it offered only a fraction of what the plan has now (It had no pharmacy, no labs, no imaging). It was a huge success which was evident by a 100% patient re-enrollment rate. As far as physician recruitment, enrollment is hand-over-fist because they "get it." Check the website for offices enrolled.
John Williams

Tempe, AZ

#5 May 12, 2009
To anonymous, I have done research in reguards to what you had posted, and yes, at one time they charged the Dr 5000.00 enrollment, but according to their office, that was when the company was just getting off the ground, now they do not charge the office any monthly or enrollment fees at all. Per their office they offer a marketing plan that can cost additional, but is not needed to participate.
Kidd

Florham Park, NJ

#6 Aug 24, 2009
Physicians don't have to write off anything on this plan. They just have to agree to see the patient for 12 visits/12 months ( whichever comes first)and obviously must pay a portion of the payment to the "club" as a finder's fee. Each physician decides what they want to include (depending on market and state law). I happen to know someone w/o insurance who joined this and they love the plan. They've seen the doctor 3 times already, but don't expect to go back for 3-4 months now. The doctors do honor the agreement--its not too good to be true.
Dan Francis

Hoschton, GA

#7 Oct 22, 2009
This is a great company doing what needs to be done to make health care affordable.

We piloted this concept in 2002 and were very successful, http://www.msnbc.msn.com/id/9354279/ and we never turned back. To date we have created a cash based payment system anticipating many of these companies to be launched over the next several years. www.equityhealtplan.com

The Equity Health Plan will pay for this service and many others this does not include, on a cash basis, that rewards you for staying healthy, and builds value over time. This plan is awesome, I love what the NIC is doing... go for it !!!!

Dan Francis, CEO
Equity Health Plan
www.equityhealthplan.com
Disgusted in GA

AOL

#8 Nov 10, 2009
No one plans to visit an E.R., but it does happen. So who pays the exorbitant ER bills? My uninsured daughter is presently laying out a payment plan for an attending physician, as well as the hospital's E.R., & she only tripped over her dog. So tell me, how would this have been handled if she had been enrolled in this program? It's very similar to life insurance,no one wants to have to use it, but everyone needs it when they die.
Kidd

Florham Park, NJ

#9 Nov 25, 2009
Again, Disgusted, this is not an insurance plan. This is a contract between you and a PCP to provide primary care medicine. If she tripped over her dog and got a concussion and a broken finger, she needed to go to the ER. That's why they tell you to get Catastrophic Insurance. She did the equivalent of having an auto accident. Insurance pays for that. But your auto insurance doesn't pay for your new tire because you drove over a nail. And your homeowner's insurance doesn't pay for the plumber to clear the clogged drain. The PCP is the equivalent of the plumber, electrician, mechanic and handyman all rolled into one (for the human body). Insurance doesn't pay for them. Insurance does pay for the body shop after an accident (ER or surgeon). But by pre-paying for these services, the doctor is willing to give you a heck of a deal. And I've been to a doctor with a "membership plan" since I'm uninsured. They roll out the "red carpet" for you. Nowadays, self-paying patients, if they pay full fee or are a practice member, are considered premium patients and are treated accordingly.
ANONYMOUS

Gilbert, AZ

#10 Mar 13, 2010
Be very careful. So far they have taken a lot of money from people with no insurance and cannot provide doctors... there is no club.
EdW

Gilbert, AZ

#11 Jul 1, 2011
Doctor perspective wrote:
Dear Anonymous,
Doctors pay $1300/month just to have their business advertised in the yellow pages. Here they are getting $80,000 monthly worth of advertizing thanks to the power of mass marketing. Patients are recruited for them, computer dashboards installed, pharmacies installed in their offices, and blood lab outlets also in the offices for one-stop-shopping for the patient. This has been thought out very well. Money given up by breathing treatments and vaccinations is more than made-up by the doctor's traditionally-insured patients needing drugs and paying the doctor the co-pay instead of shelling it out to a pharmacy. Five prescriptions a day pays the $1000. The average doctor writes 25 scripts a day. Also, the average patient sees the doctor every 3 months. At 4 visits a year, the doctor makes $200 per visit compared to the usual $50-75 in a traditional practice. All patients are pre-paid. Have 200 No-Insurance-Club patients in the practice, and you've made a million bucks upfront. The best thing is that they were recruited for you for only $40,000, and you didn't lift a finger to get them. Traditional medicine is 1. see the patient 2. bill the insurance 3. chase the money. With this system it is 1. Get your money first 2. wait for the patient who may or may not see you. The doctor does not need an extensive office staff to bill, code, and collect. That alone is worth more than a few nebulized albuterol treatments.
Know that this plan was piloted for 18 months before it was announced. At the time time it offered only a fraction of what the plan has now (It had no pharmacy, no labs, no imaging). It was a huge success which was evident by a 100% patient re-enrollment rate. As far as physician recruitment, enrollment is hand-over-fist because they "get it." Check the website for offices enrolled.
Interesting math. 200 patients equals 1 million dollars? Come on. How does that compute????

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