Health insurance 101

Consumer Reports is an independent, nonprofit member organization that works side by side with consumers for truth, transparency, and fairness in the marketplace. Candor Care’s mission is well served by creating truth, transparency and fairness for our consumers (patients and physicians) as well.

We encourage you to spend 5 minutes understanding your health insurance costs, as explained by Consumer Reports.

Unfortunately, after the video was made, the industry invented “facility fees”. More likely than not, even your preventative care is no longer ‘free’ with your patient premium when facility fee billing is allowed by your insurance.

Internal Revenue Service (IRS) limits for out-of-pocket maximums have been adjusted upwards annually, significantly outpacing inflation each year, over the last 2 decades due to rising healthcare expenses. The allowed annual out-of-pocket expense for a High Deductible Health Plan in 2020 is $13,800 for family coverage, and many families are indeed facing thousands of dollars in healthcare costs with little understanding of what services they have received in exchange.

Micro-practice Pricing

In line with our mission to open access to quality healthcare for all patients, our charges are set according to professional standards, and available for your review prior to engaging our services. Further, our pricing is verifiably aligned with FAIR health, and adjusted for market fluctuations.

Price X for Service Y. No additional facility fee, or premium, or deductibles, or co-pays, or co-insurance, or applicable out-of-pocket maximums. Just undiluted care.

Our members opt between two models of care: Continuity of care, and Consultative care.
 

Continuity of Care

One doctor, one patient, always. Our physicians work 1:1 with the patient at every visit, using proprietary physician-developed modules to lead you to optimal health.

  • Personal attention from a Board Certified physician
  • Evidence-based medicine, tailored to your healthcare needs
  • Unlimited, secure texting. Available anytime, anywhere
  • Same/next day phone call/video-chat appointments as needed
  • Record review, and discussion of findings as needed
  • All the perks of consultative care included, not just a quick fix
  •     Priced as a specialty-based monthly individual subscription

Consultative Care

Sometimes, one-visit is all you need. Or if you want us to “deep-dive” to address one illness or one health condition at a time, we can do that too, with our packages.

  • Personal attention from a Board Certified physician
  • Evidence-based medicine, tailored to your healthcare needs
  • Unlimited, secure texting, limited to issue at hand. Available anytime, anywhere
  • Same/next day phone call/video-chat appointments as available
  • One-visit fix: works for urgent care, camp care, quick consult
  • Issue-focused packages, when multiple visits are needed
  • Priced per visit or per package, as on booking site

Each retain very similar levels of service, because our physicians are here to care for the patient, regardless of which model works best for the insurer. Our Care Team can explain the two models and our pricing, but you need to have an understanding of your baseline health needs and insurer’s allowable charges to make a ‘fiscally better’ choice between the two models.

Everyone deserves exceptional healthcare, regardless of their individual variations in health or insurer, and at Candor Care, we deliver it with a focus on science, resilience and radical empathy.

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