A lot of DPC providers will use the “car insurance” analogy to describe how we view our services with typical insurance. Most car insurance plans only exist to cover the unexpected or unplanned- they do not cover routine maintenance (i.e. gas, oil changes, new tires, and tire rotations) to keep your car in as good of shape as possible. With this analogy, Karis is providing day-to-day and preventative care. We need these routine checkups to prevent the “big” things from happening. Then your catastrophic care insurance will cover things like the car accident.
You are also paying to have more time and access to your provider. You are receiving quality affordable preventative care to detect the big catastrophic events. The average person pays $400 per month for their insurance or an average of $1,000 per month for a family plan. On top of that, you have a deductible to pay for an average of $5,000 per year. As well as co-pays. You can get preventative regular care but with us, you will have more money left at the end of the year!
For now, we still recommend having a catastrophic care insurance plan to cover true emergency situations. The great thing about subscribing with Karis is that our low costs allow you to use the money you have saved to cover the catastrophic insurance deductible, and still have some leftover to invest in a health savings account. The following are links to Zion and Samaritan which may help meet your catastrophic insurance needs:
For DPC Members
https://samaritanministries.org/classicbasic