|
What
falls
Outside the plan?
- health insurance
- emergency services - hospitalization - major medical - prenatal
/ obstetrics
- dental / optical - advanced care beyond the scope of True
Health Medicine, PC
licensed providers.
True
Health Plan
Subscription comparison
Monthly subscriptions
/ premiums
(non-group, no pre-existing conditions, Jan. 2010) |
|
Subscriber |
Providence
500
|
ODS 2500 |
ODS 7500 |
True Health Plan |
ODS 2500 +
True Health Plan
|
|
36 year old |
$223 |
$120 |
$67 |
$40* |
$160 |
|
36 year-old couple, 2 children |
$801 |
$336 |
$187 |
$80* |
$416 |
|
56 year-old couple, 2 children |
$1,092 |
$578 |
$374 |
$80* |
$658 |
Monthly subscriptions
/ premiums
(pre-existing conditions, Oregon medical insurance pool
Jan. 2010) |
| Subscriber |
Regence
BC/BS 500
|
Regence
BC/BS 1500
|
True Health Plan |
|
53 year-old family
(diabetes, hypertension) 2 children
|
$1,292 |
$1,044 |
$80* |
|
*no annual deductible, no exclusions
for pre-existing conditions |
The Providence 500 plan has a $500 annual
deductible and a $1,500 annual out of pocket maximum. This is
an example of a low deductible health plan. The ODS 2500 is a
$2,500 annual deductible plan with a $7,500 annual out of pocket
maximum.
|
This plan is an example of a high deductible
or catastrophic health insurance plan. Combining a high deductible
plan like the ODS 2500 and the True Health Plan is a cost effective
alternative to a low deductible health insurance plan. In only
two years the premium savings from combining the two plans can
be enough to cover the full out of pocket for routine primary
health care for that period and to save the full out of pocket
when catastrophic insurance is needed. For those not excluded
and who can manage the expense, it is strongly recommended to
combine the True Health Plan with a catastrophic health insurance
plan.
True
Health Plan
Fee comparison
| Fee Schedule Comparison |
|
Service |
True Health Plan |
Local Price* |
Comments |
| Physician visit |
$50 |
$100-$300 |
per visit depending on complexity |
| Woman’s annual |
$50 |
$213-$387 |
laboratory testing
additional
|
| Wellness visit |
$50 |
$100-$300 |
per visit depending on visit
length |
| Acupuncture |
$50 |
$70- $150 |
per treatment session |
| IV Therapy |
$50 |
not
surveyed
|
IV materials
additional
|
| Minor surgery |
$50 |
per lesion/injury/surgery,
laboratory pathology additional |
|
*Tualatin area pricing survey of MD, ND, and
acupuncture clinics conducted Nov. 2009
Additional True Health Plan Benefits
|
| Laboratory diagnostics |
30-80% discount |
client pricing through True
Health Medicine, PC |
| Naturopathic medicines |
20%
discount
|
for items purchased at True
Health Medicine, PC |
| Prescription drugs |
$4 per month |
generics at Costco, Walmart,
Target |
| Diagnostic Imaging |
refer to fairly
priced providers |
| Advanced care |
refer to fairly
priced providers |
|