Health Insurance: The Membership With Endless Costs
- Manisha Patel
- Mar 3
- 3 min read
The absurd reality of America's healthcare system is that having health insurance can actually cost you double or more on your medical bill. While having health insurance feels like a safety net, in reality, it serves more as a financial trap and
Many Americans are paying more for health insurance while receiving less in return. But what if there was a better way to access high-quality healthcare—without the financial burden of traditional insurance?
In our office, we believe healthcare should be affordable, accessible, and patient-centered. That’s why we offer a membership-based model that removes the insurance middleman, ensuring you receive personalized care without inflated costs.
The Hidden Costs of Traditional Health Insurance
Many people assume that having insurance means they are financially protected when it comes to healthcare. However, the reality is that insurance drives up costs and limits access to care. Insurance companies are known to negotiate different rates for the same exact care based on each patients individual insurance plans/ coverage. Here are some basic inflated costs:
High Premiums: The average family health insurance premium now exceeds $1,500 per month—even before any care is received.
Steep Deductibles: Many plans require patients to pay $5,000-$8,000 out-of-pocket before insurance covers anything, making routine care unaffordable.
Expensive Copays & Fees: A simple primary care visit can cost $100-$200 out-of-pocket, while urgent care visits can be even higher often exceeding $500.
Limited Access to Care: Long wait times for appointments often force patients into costly ER or urgent care visits, adding unnecessary expenses.
Dishonest practices: A study done by Trinity College actually found when comparing the bills for two patients who underwent the exact same procedure, the patient with insurance was charged more than the patient who was paying cash.
No Guaranteed Care: Just having health insurance does not equal access to healthcare when you actually need it, especially when your plan requires you to stay within a tight network of options.
Instead of protecting patients from high costs, insurance often creates financial barriers to care, making it difficult to get the treatment you need when you need it.
Why Membership Based Primary Care Is the Solution
Our office offers a smarter, more cost-effective way to manage your healthcare without hidden fees and without inflated costs by eliminating the insurance middleman.
✅ Transparent & Affordable Pricing – A flat monthly fee covers unlimited visits, extended appointments, and direct access to your doctor.
✅ No Copays or Hidden Fees – Your membership covers your care, so you’re never surprised by unexpected costs.
✅ Convenient & Personalized Care – Same-day or next-day appointments, longer visits, and direct communication with your physician when you need it.
✅ Lower Overall Healthcare Costs – With direct access to your doctor, decrease unnecessary ER and Urgent Care visits by >50% so you save thousands of dollars per year by avoiding high insurance premiums and deductibles.
Investing in Better Health
Instead of paying more for less, invest in a healthcare model that truly prioritizes your well-being and protects you financially. Break out of the mindset that health insurance is saving you money and feel empowered to take back control of your health.
Schedule your complimentary meet & greet today and find out how you can partner with Medicine by Manisha MD for a happier and healthier life!
Stay Well,
-Dr. Patel
Medicine by Manisha MD
1111 SE Federal Hwy Ste 327
Stuart, FL 34994
772-245-0033
Instagram: @medicinebymanishamd
Primary Care and Concierge physician serving communities in Stuart, Port St. Lucie, Sewall's Point, Jensen Beach, Hobe Sound, Hutchinson Island, Jupiter Island, Palm City Martin County, St. Lucie County, The Treasure Coast, Palm Beach Gardens, Jupiter and surrounding areas.
Comentários