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So I'm a little confused, because it states that you can combine DPC care with an HDHP to satisfy basic coverage and skip the penalty, but wouldn't the HDHP pla
by ljoshua 10y ago
So I'm a little confused, because it states that you can combine DPC care with an HDHP to satisfy basic coverage and skip the penalty, but wouldn't the HDHP plan satisfy that? Or is the simple possession of an HSA combined with DPC good enough? (The second case would seem weird, since there's no "insurance" for high risk situations; it's just a savings account. And in most cases you wouldn't have an HSA unless you already were on an HDHP.)
Nothing against DPC, I'm just unclear how this works in with the individual mandate.
- jschwartzi 10y agoIANAL, but the HDHP would be your ACA plan and the DPC would eliminate a lot of the expense of the HDHP for routine visits.
- rootusrootus 10y agoI can appreciate the appeal of DPC, but in my experience routine visits (at least anything that qualifies as preventative) are generally 100% covered by the high deductible plans. Maybe that's a requirement from ACA? Maybe the DPC cost savings is in the non-preventative minor occurrences which are almost routine. Like a kid's broken bone for example, things you don't expect to happen but aren't exactly a surprise either, and not catastrophic.
- secabeen 10y agoRight, the HDHPs have to cover preventative care for in-network doctors. However, you still have to be careful. I have seen doctors bill for a non-preventative visit if you ask any questions at all about specific ailments during a preventative care visit.
- uiri 10y agoI believe that you must have HDHP in order to contribute to a HSA. HDHP satisfies the penalty. DPC helps save costs on routine care.