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Frequently Asked Questions
What services are included with my membership fee?
Is my membership fee at CompassDirect Healthcare Tax Deductible?
We advise that you discuss this with your tax preparer or accountant. However anything we order such as labs, radiology, and medications can be applied to HSA, HRA, FSA, or out of network deductible.
What costs are involved in becoming a patient?
We have joining fee of $75 per person with a maximum of $225 for families that join all at the same time. A monthly membership fee is all that is required to receive all the included services throughout the year. We will not charge or collect any copayments, coinsurance, or deductibles for visits. When you come for a visit, it’s okay to leave your wallet at home.
Does CompassDirect Healthcare see patients of all ages?
CompassDirect Healthcare currently provides care for patients of all ages.
How do I join if a provider's practice is full?
What if I decide to cancel?
We expect to have an open, honest, respectful relationship with you. If you have voiced a complaint that we cannot satisfy together, we will gladly allow you to terminate your membership. If your membership is cancelled, terms of cancellation will be applied and are outlined in the Patient Agreement. The details can be discussed with your provider or our office manager at any time.
What is Direct Primary Care?
Is Direct Primary Care a better option?
Many patients today and in the near future will end up having high deductible plans, where the insurance won’t cover the first $2,000-$5,000 that they spend anyway, but with our membership model, they can maximize the amount of healthcare they get and minimize their cost. In the new model of care, we work with our patients directly through a monthly membership so they get unlimited office visits and what we call technology visits. They also don’t have co-pays for anything in our office. Most of the procedures we can do in our office like: EKG, PFT’s, biopsies, cryosurgery, joint injections, etc., are included free of charge.
Will I still benefit from a Direct Primary Care practice even if I don’t require frequent medical attention?
How will I know if CompassDirect Healthcare will be the right fit for me?
Since you are on our website, you are on the right track already! If you like what you have read so far, we invite you to call us so that we can personally answer your questions. Also, please check out our Blog on this website. There are a lot of great topics that may interest you and help aid you in your decision making.
What are your prices?
Please find a complete list of our prices on this website under "Pricing".
Can you help with the cost of prescriptions? What about labs?
Because we are an insurance free practice, we have a unique situation where we can directly purchase medications at wholesale cost from the manufacturer. We will pass these savings directly on to you. In addition, we have a contract with a lab to purchase lab testing at wholesale prices with these savings passed directly on to you.
Finally, we have a direct relationship for advanced imaging studies, such as CT’s, and MRI’s, all at a substantial discount. Much like a membership at Costco, membership in our practice gets you these cost-saving discounts on medications, lab tests, and imaging studies.
What happens if I need to go to the hospital or see a specialist?
Our patients, if hospitalized, are seen by the hospitalist. Our commitment is to help you avoid being hospitalized by early detection of disease and/or subtle signs that an existing disease state is worsening. Having a non-pressured doctor who is always available to assist in your health care is key to helping to reduce hospital stays.
Are my medical records ever shared with insurance carriers, pharmaceutical companies, or government agencies?
Absolutely not! Patient privacy is a natural benefit of this medical model. We will never provide any third party with a copy of your records, unless you specifically ask us to do so or if CompassDirect Healthcare is subject to subpoena or search warrant.
What if I need medical attention when I'm away from home?
May I contact CompassDirect Healthcare after hours? How?
Yes of course you can! We understand that acute illness and injury do not always occur during office hours; therefore, you may contact us at any time. It is our expectation that just as we respect your time that you respect ours and only contact your provider after hours if it is indeed absolutely necessary. As always, for life threatening emergencies call 911.
When do I pay my fees for labs and procedures not included in my membership?
Charges will be added to your next automatic monthly fee via your preferred method of payment. If you prefer to have your insurance billed for labs not included in your membership just let us know.
Do you make house calls?
We do make a limited number of house calls for those who are acutely ill and unable to come to the office. We do not care for totally home bound or nursing home patients. Feel free to inquire more about this.
Medicare & Insurance Questions
Does CompassDirect Healthcare Accept Insurance?
We accept all patients regardless of insurance. We simply don't bill insurance.
As a patient of CompassDirect Healthcare do I still need insurance?
What if I want to continue my current insurance? Can I use it?
Yes, just not for services provided here at CompassDirect Healthcare. We are an insurance-free medical practice which means that we do not bill insurance. This does NOT mean, however, that patients with insurance cannot become members in our practice. Nearly all services provided through our office are included in the membership fee.
If I have Medicare, can I join as a patient?
How can I save on insurance costs by being a patient of CompassDirect Healthcare?
Many times patients purchase expensive “Cadillac” plans that require little or no co-pay and that cover all lab costs and prescription costs. However, with CompassDirect Healthcare your monthly fee includes all office visits, basic labs and there are no copays. Our patients may find it worthwhile to change from a “Cadillac” health insurance plan to a high deductible PPO insurance or non-traditional HealthSharing options, ERISA-based self insurance, or short-term plans which can save you a significant amount of money.
Are CompassDirect Healthcare’s monthly fees eligible for HSA or FSA reimbursement?
You may want to check with your employer regarding the use of Health Savings Accounts (HSA’s) and Flexible Spending Accounts (FSA’s) as possible payment options for your annual membership. If you are unable to use these funds to pay for the annual membership fee directly, there is a good chance that you can still use your HSA/FSA as reimbursement for certain services provided through our office.
Can you tell me more about Healthcare Sharing Ministries?
Healthcare sharing ministries are typically faith-based non-profit organizations that pool members' money to share medical expenses. The Alliance of Health Care Sharing Ministries reports that there are nearly a million people covered under health care sharing ministries as of 2018. More than 100 health care sharing ministries are in operation in the US, however most health care sharing ministry members are enrolled in coverage offered by Samaritan Ministries, Medi-Share, and Christian Healthcare Ministries.