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Don't know why you are getting downvoted. You are spot on.

I think the down votes are because "Direct Primary Care" doctors opt out of the insurance system. That's the point of the model. They collect monthly subscription fees instead dealing with your insurance company.

Granted, if they want to refer you to anyone else, your insurance may be involved, but not a few of them also have arrangements with those "health sharing ministries" where the patient cash pays for any procedure with the assistance of other people in the health share, which again saves enormous amounts of money by skipping the insurance system.

Those "health sharing ministries" are a complete scam. They take your money and provide you nothing. Sort of like church and the donation plate, only they purport to provide a genuine service in the health care field.

Are there studies bearing this out? I and many of my friends have been part of them at various points and have had tens of thousands of dollars of care provided through them.

I've also had both experiences that correspond to and directly oppose your take on the church donation plate, so I'm curious if you're aware of data about this, or if we're just comparing personal experiences.

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