When you ask people how much it costs them to see a doctor, most people respond with “my co-pay is $30.” But most people have a deductible (average is $1,500) and you’ve got to spend all of that until you can ask “will my insurance pay for this?” So, let’s walk through an example of what this means to your bank account.
A real world example: Pneumonia
You’ve got Aetna for insurance.
Your co-pay to see a PCP is $30.
Your deductible is $1,500.
You think you have pneumonia so you make an appointment with a PCP. She suspects pneumonia so she orders a chest x-ray. On your way out of the office, you pay your $30 co-pay and head to the radiologist. The chest x-ray shows pneumonia so the PCP calls in a prescription for antibiotics to the Walgreens in your neighborhood. She wants to see you again in a week for a follow-up to see if it’s resolving. A week later, you’re feeling better and the follow-up visit goes well.
The costs of this traditional scenario
PCP co-pay: $30
PCP bill for first visit: $200
PCP bill for follow-up visit: $150
Radiology bill for chest x-ray: $100
TOTAL COST: $505
Time off work for two PCP visits: $150
Let’s Sherpaa-ize this pneumonia
Instead of going to see a PCP, you join Sherpaa for $99 for 30 days, and reach out to your Sherpaa doctor via the app.
Dr. Blohm suspects pneumonia based on your description and the answers to her questions. She wants to confirm this with a chest-ray so she orders you the x-ray in your neighborhood. The results, which you see in the app, show a pneumonia.
Dr. Blohm prescribes an antibiotic within the app, you choose your pharmacy in the app, and go pick up the medication.
Two days later, you get a message from Dr. Blohm asking for an update. You say you’re doing better. Five days later, you’re asked for another update. You’re back to normal.
The costs of this Sherpaa scenario
Sherpaa for 30 days: $99
Chest X-ray: $100
Time off work: $0
TOTAL COSTS: $224