Advocates for the DPC movement have many stories to tell the public about how great DPC is. Some of their most potent narratives, however, are as misleading as their slew of quantitative studies. One root cause is that DPC advocates seem unable to imagine anyone else being as clever as they are.
The ur-brag of all of DPC is the preventative value of barrier-free primary care visits. Let us mostly put aside that many DPC clinics all but beg their patients to choose high deductible plans out of one side of their mouths, while they use the other side to decry the effect of high deductibles on primary care. And let’s put aside that for those with no insurance, the high price of DPC monthly fees is its own barrier to care.
There’s still this. The numbers of third-party insurers, individual and employer, that have figured out the virtue of low barrier primary care is very, very large.
The vast majority of employer plans make primary care visits pre-deductible. Yes, there are copays – almost always modest, especially given that employer plans go to people with real jobs who can, therefore, afford reasonable co-payments. Then, too, many employers have HRAs that meet hundreds of dollars of deductibles, typically with the first dollar.
Then, look at the individual market. In the ACA individual market, cost-sharing reductions bring copay, deductibles, and mOOP down to trivial sums for those with incomes up to 200% FPL. And for those with higher incomes, even very high deductible plans come with pre-deductible primary care visits. Even ACA catastrophic plans come, by law, with three pre-deductible primary care visits.
Many of the most important preventative services are covered without cost-sharing for nearly all insureds, But, because DPC do not make insurance claims, DPC patients often end up paying for them.
A recent self-brag by an employer-option DPC shed crocodile tears over the health risks to the 6.9% of non-DPC members who “received no care at all” in a particular study year, so adjudicated because they had no filed claims during the period. A few pages earlier, the same study bragged about all the phone calls the DPC provider took on matters like prescription refills or quickly advising patients on what to do about a fever or sprain. Does it never occur to DPC advocates that non-DPC patients with trusted FFS-PCPs often dispose of similar matters similarly? Have they never seen patient portals? Have they not heard that large medical systems (and insurers) have 24/7 triage nurses of whom you can make inquiries about fevers and sprains without charge? Do they not remember that one of the historical reasons PCPs turned to the subscription model was so that they could get paid for traditionally un-billed services like routine prescription renewal or telephone triage for fever and ankle sprains?**
The average person in the country has about 1.5 primary care visits a year. 6.9% of them managing a given year with no visits is quite expectable. Absent evidence correlating health outcomes with higher frequency primary care visits, the quite expectable is also the quite acceptable.
One particular DPC advocate keeps repeating that, “a primary purpose of direct primary care is to prevent a claim from happening in the first place.” To the extent that he is saying that DPC docs with an eye on business development will go far to keep their downstream utilization stats looking good, here’s probably right. That’s not necessarily a good thing.
On the other hand, to the extent he is suggesting that FFS-PCPs do not think about how to keep their patients from needing downstream care, that’s profoundly insulting.
** Distant from home, but where I had a few friends and family, I once arrived a bit unwell and without medicine, but nothing emergent. About an hour after I arrived, I got a call from a local FFS practitioner. “Hi, I’m Doc X, a friend of Bob S. Bob thinks you may need a ‘script or something. What’s going on?”