If you’ve got a very low deductible for primary care, you’d use Sherpaa for affordable convenience so you don’t have to waste time on unnecessary doctor appointments. You’ve got a concierge doctor available via our app within minutes that saves you tons of hassles.
If you’ve got a higher deductible, you’d use Sherpaa because it’s convenient, saves you time, simplifies your life, and it’s a fixed fee for unlimited primary care. Instead of spending unpredictable amounts of money on doctor office visits, urgent care, or ERs that bill you as much as they can, Sherpaa is one fixed price (either $99 for 30 days or $270 for unlimited care throughout an entire year).
Most people don’t spend their entire deductible, so for most people getting care is 100% paid for out of pocket.
When you visit a primary care doctor, specialist, urgent care, or ER and you have traditional insurance, you pay a co-pay. But that’s the cost of leaving the doctor’s office or facility. A few weeks later, you’ll get bills for the actual cost of the visit. If you have a deductible, you’ve got to spend all of that until you can ask “will my insurance pay for this?” The average deductible today is $1,500 if you get your insurance through an employer or $3,500 if you get it through an Obamacare plan.
If your deductible is $1,000: 70% chance of not spending all $1,000
If your deductible is $3,000: 80% chance of not spending all $3,000
If your deductible is $5,000: 90% chance of not spending all $5,000
How much do typical services cost (co-pay + bills)?
- Primary care doctor = $200 + the tests they order
- Specialist = $300 + the tests they order
- Urgent care center = $350 + the tests they order
- ER = $2,000 + the tests they order + medications they give you in the ER
The bills you receive are for as much as they can bill. That’s the traditional healthcare business model.
Use Sherpaa before you visit a doctor, urgent care center, or ER in person.
The vast majority of the time, we can diagnose and treat you without you having to be seen by a local doctor or facility helping you avoid the co-pays + the bills.
If you’ve got insurance + Sherpaa and you haven’t yet spent all of your deductible:
Here’s what you will pay for if you get care from Sherpaa:
- Sherpaa access (instead of $200 PCP or $350 urgent care visits, you pay a $99 flat fee for 30 days of unlimited care or $270 for unlimited care for a year)
- Any tests your Sherpaa doctor orders (just as you would if you see a doctor in person)
- Any medications your Sherpaa doctor prescribes (just as you would if you see a doctor in person)
- Any specialist, urgent care, or ER visits your Sherpaa doctor refers you to
If you have spent all $1,500 of your deductible, your insurance starts to cover most of your bills:
Here’s what you will then start paying:
- Sherpaa access ($99 flat fee for 30 days of unlimited care or $270 for unlimited care for a year)
- Co-pays for all in-person office, urgent care, and ER visits
- Co-insurance for all bills for in-person doctor visits, tests, procedures, medications, etc up to your plans’s stated out-of-pocket maximum.
Once you’ve reached your out-of-pocket maximum, your insurance will theoretically start covering all of your medical bills. But if you’ve spent your entire deductible, you’ve likely spent it on doctor, urgent care, and ER visits, and 70% of those could have been handled virtually via Sherpaa.