We Do It For Less!
A personal physician and your own medical home costs less than you think, especially compared to other, less valuable medical services.
The tables that follow compare costs between HealthAccessRI, a typical insurance plan and self pay. The comparison assumes you and/or your family are basically well and get 1 complete physical exam yearly and go to the doctor for 2 sick visits a year:
| HealthAccessRI | ||
| Individual | Family of 4 (with family discount) | |
| Subscription at $25/month | $300/yr | $1,150/yr |
| Annual Physical Exam | $0-$10 | $0-$40 |
| Sick Visit #1 | $0-$10 | $0-$40 |
| Sick Visit #2 | $0-$10 | $0-$40 |
| Yearly Total Out of Pocket | $300-$330 plus $0-$10 per additional visit. | $1150-$1310 plus $0-$10 per additional visit. |
| Typical Health Insurance Plan | ||
| Individual | Family of 4 | |
| Annual Physical Exam | $15-$200 (depending on copay and deductible) | $60-$700 (depending on copay and deductible) |
| Sick Visit #1 | $15-$90 (depending on copay and deductible) | $60-$360 (depending on copay and deductible) |
| Sick Visit #2 | $15-$90 (depending on copay and deductible) | $60-$360 (depending on copay and deductible) |
| 25% Contribution to Premiums | $1,500 | $4,000 |
| Yearly Total Out of Pocket (Includes contribution to yearly premium) | $1,545-$1,880 (depending on copay and deductible) plus $15-$90 per additional visit. | $4,180-$5,420 (depending on copay and deductible) |
| Typical Self Pay (Uninsured) Patient and Family | ||
| Individual | Family of 4 | |
| Annual Physical Exam | $200 | $700 |
| Sick Visit #1 | $90 | $360 |
| Sick Visit #2 | $90 | $360 |
| Yearly Total Out of Pocket | $380 plus $90 per additional visit. | $1,420 plus $90 per additional visit. |