Health insurance for the self-employed, best options, a doctor explains
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- เผยแพร่เมื่อ 28 ก.ย. 2024
- Health insurance is a major expense for most people, particularly when you're self-employed. I'll walk you through what I do for myself and my family, as well as some things to be cautious of or avoid.
DISCLAIMER:
The information in this video is for informational purposes only and is not intended to be a substitute for professional medical advice. Always seek the advice of your physician or other qualified healthcare provider with any questions you may have regarding a medical condition or treatment, and never disregard professional medical advice or delay in seeking it because of something you heard in this video.
why isn't this information more widely known?!? I've never heard of health share or DPC - thank you
Me either!
Hi doc thank you for sharing, the insurance and payment for healthcare is terrible this is why we have solutions for small business owners for proactive and preventative healthcare. As a nurse we see so many people depleting life savings because they aren't as covered as they think. Thank you for sharing!
what are your thoughts on getting a hmo or PPO platinum plan? Are the platinum plans good esp for surgery?
Disclaimer on car insurance: If accident is not your fault, you should be covered.
If the accident is considered your fault, you may or may not have coverage depending on your policy. The minimum coverage in my state doesn't cover your medical bills if you're at fault.
idk how it works if both drivers are considered partially at fault.
Thank you for the help. My job’s insurance is expensive for my wife kid and I. I will look into dpc
Great video!
My husband is self employed! We use alternative therapies for Health, don’t take prescription drugs unless really needed and we’re hardly at the doctors office. What we do need is mostly for labs and other exams. I have trouble breathing my whole life and scoliosis, I need to start looking into this and finding solutions and care. Do you recommend DPC and health share for us?
I would look into it for sure
Great info! On the video you say CHM and in the comments Sedera…why the switch if I may ask???
CHM premiums went to high, they have a higher risk pool (cover all ages) while Sedera gives you the boot at 65
Which doesn’t really matter since you’re getting Medicare at that age anyway right? Also Sedera seems to cover pre existing fully after 4 years. Frankly I found myself an amazing DPC practice with own formulary and care is better now than before. Thank you for spreading the word!!!
Health share does not work if you have pre-existing condition.
This is true
big thumbs up for talking about this
Hello Doctor, Thanks for the video. Can you provide details or insights on how and where to get Direct Primary Care (DPC) and Health Share, which you referred in the video?
www.dpcfrontier.com/
Sedara is a good healthshare, and the one that I personally use
Thank you
Are DPC and Health Share tax deductible?
I don't believe that they are
Any condition that was documented in your health files befire you got insurance is deemed as preextisting. If you had the hernia but it has never been diagnosed and recorded by any of the doctors you have been seem by, then you should be ok.
Is knowing I have a hernia considered a pre existing condition?
Great job young man!!!!!!!
cash only orthopedic surgeons? interesting. I feel like not very many people can effort surgeries like this without insurance.
The goal is to avoid surgery, but when it needs to be done to do it at a reasonable cash price which is multiples less than down the street
Does enrolling in a DPC qualify you as being mediallly insured in the eyes of the US Govt?
Nope. Neither do healthshares. Can't deduct them at this point
@@orthopedics Hi Dr., so we would get penalized by the Gov even if we purchased the DPC + Healthshares or just cannot be deducted or write-off in our tax return only? Please advise as I'm planning on purchasing them ASAP or before end of June which will be in 1 week! The Obama Care will increase my premium 2.5 times next month! Thanks & looking forward to hearing from you soon! Thanks for creating this informative video that had or will help those that struggled with the health insurance increase which is so ridiculous!
@@kayhg811 Yes, the government will not let you write off DPC and healthshares. The insurance mandate was removed some years ago, so you won't be fined, but again, they can't be written off at this time.
@@orthopedics Oh it's not mandate anymore?! Good to know. Thanks Dr!
It sounds like Greek to me! Self employment means obamacare, impossible to be really covered.
Why are all of these health shares religious?!?
Not sure, but some aren't
ok ok
You do know you can get i to a car crash without a) owning a car, and so without having car insurance right? Lmao this guy
Thank you SO much for this video. With you being a Healthcare professional, would you mind doing videos on what we should look for with these Healthcare alternatives? I mean as far as what is most important to look for as we are researching DPC and/or Healthshare. I'd love to know what things are most important to you that you look for in saying yes to a company/service.
Thank You for the info. I’m a contractor and looking for insurance medical insurance
Thank you so much for sharing your thoughts and expertise, very very helpful!
Thank you, Dr. Paul, for taking the time to educate people from a physician's perspective. Insightful!
I was under the impression that health Insurance is typically a relief for most people. Especially, when they thoughtfully pick a plan instead of picking the cheapest thing that pops up. Insurance is meant to offset the hospital charges that are so expensive, one visit can't be paid in full out of pocket. As someone who has worked in Emergency Medicine and now Health Insurance - It's so critical to be sure everyone can understand the WHY behind all of these things so they can get on the right track.
Also, you forgot one thing. There are private plans out there. They are much lower in price and have PPO networks with major carriers nationwide and you can actually build any type of plan you want depending on your needs. They make it like how it used to be where you have to be approved medically before you can get in. It's incredible for entrepreneurs and younger folks who shouldn't have to pay for everyone else's sicknesses.
Classic plans can be decent off the exchange if you get a good subsidy, or if you have multiple medical problems. Otherwise better off with a legit healthshare
Great information. I can't thank you enough. Tom
I extremely like the video, man. Very helpful and informative. Thank you very much. It is presented so well too. Great, positive work.
yes... .this video as SUPER HELPFUL... Thanks so much for the honesty. This is topic is soo confusing... thanks for shedding a lot of light on it! Bless you!
SUPER HELPFUL! Thank you
Are ACA health plans okay? Do they deny exams and treatment right and left?
They are all equally terrible
Thank you!
Thanks Dr. Paull, very helpful . . . for Direct Primary Care, is that useful for catastrophic insurance? Or is that best for people who visit the doctor regularly. I'd like to get insured pretty much for catastrophic events as well as the occasional screening, etc. What would you recommend? DPC or Health share, or private insurance? Thanks again . . .
DPC is for non-catastrophic, so I would use DPC with a catastrophic insurance plan, and basically pay cash for everything unless it is a true emergency
@@orthopedics Okay, thank you . . . is it possible that places like Christian Healthcare Ministries are actually BETTER insurance than work plans or private insurance? Deductibles and out of pocket can be so high with insurance plans, yet share programs have such low fees and if they pay for costs, it seems share plans are better . . .
@@swavekbu4959 I think they certainly can be in may cases. But just know what you're buying as a heath share is not insurance and is not regulated as such
im screwed... Obama care plans SUCK.. friggen $330/month.. i cant afford that. im just screwed man.. my dam legs have been swelling up like crazy.. fk it ill just die
I like your video presentation. It is informative too, at the same time. Thanks a lot for your guidance!
Thank you so much for this information! especially about DPC. Makes me feel like I have options if I go out on my own
How do you find a DPC? I assume not every Primary Care offer this
www.dpcfrontier.com/
Are all doctors required to take medicare
No, they are not. I have personally opted out of Medicare with prescriber privileges, meaning that a Medicare patient can legally pay me cash, but they can use their Medicare to pay for everything else.
I have a 41 year old male family memeber who is recently disabled due to CVA. In order to get him into a good long term care facility he needs private insurance. He only has medicaid right now which only covers the low par facilities. Where should I look to find him a health plan?
Look up medishare
one question please
I just lost amerihealth caritas in Pa because i make more money this year and but im visiting my Dr apoitment monthly one time and the dr prescribe me monthly pills , and i don’t know what i should be do now which insurance i have to take who can pay for my prescription monthly please.
Sometimes the cash pay price with discount RX will be your cheapest option, even if you have insurance, assuming you can get a generic
Very helpful information!!
Super helpful 🖤🖤
Please indicate which Healthshare companies are best. Is Oneshare a good one? Zion?
I personally use Sedara
What about if people want to have kids does it cover that?
Yes, you can add kids onto a healthshare or with a DPC doc
The one thing that is most important to American lives, is also one of the most complicated for no reason "Health Care" .Country is so rich but you still have to break the bank to get health care . And when u don't happen to use it, all that money is gone bye bye as usual
US healthcare is a tapeworm
As a healthcare worker in the US, I agree.
How do you get insured to get Physical Therapy or something like that?
Just pay discounted cash services, it will be less expensive than paying hundreds in premiums that won't cover much of anything
@@orthopedics okay great thanks
All of this sounds good for a HEALTHY person. But so many have pre existing conditions. And HSO’s don’t cover you for that.
This is true, if you have a lot of pre-existing conditions then you best bet is with an exchange plan. Most younger people are relatively healthy.
@@orthopedics Young from 20-35 maybe are healthier but 35+ I’m an agent and a lot of people have health issues and if they don’t they still want the security of knowing they are getting covered. There’s private plans customized for self employed like US Health, Philadelphia etc. The UnitedHealth short term isn’t bad either if you’re in between.
@@passionatepotential8498 I think most of those plans are vastly inferior to a healthshare + DPC, which is what I and many people I know personally use
@@orthopedics Do you know the plans benefits? Doctor networks, and other aspects? How so please explain.
@@orthopedics How would they be so inferior when millions are using them? It’s about the clients needs at the moment.
Thank you so much for letting me express my feelings about your video. You record all the videos so well. Keep the hard work going and good luck. Hope to see such a beneficial post ahead too.
Hello doctor. So with a direct primary care I'll be able to get perceptions from a pharmacy but do I still have to pay full price for the prescriptions? If so, do I have to take that to my health share to reimburse myself or is the medicine covered by primary direct care?
Depending on your state your DPC doc can offer you medications at deeply discounted cash rates. Healthshare usually doesn't pay for medications