Black and white picture of doctor’s office
I don’t need insurance?

Are you fed up with insurance as premiums increase and coverage decreases? Have you had it with jumping through hoops to get them to pay a bill? I think that many people can say yes to these questions and the Qliance Medical Group had decided to provide people with comprehensive care without all the hassle that insurance companies put both the medical provider and patient through.

Instead of providers getting paid through insurance, this group which currently has three clinics in Seattle and patients pay a monthly fee that ranges between $49 and $89. The price for each patient is dependent upon their age and some have insurance while others do not. Basics such as first time refills, x-rays, casts and stitches done at the clinic are covered. Clinics are open every day and for 12 hours on weekends and doctors are only an email or phone call away.

Co-founder of the Qliance Medical Group, Dr. Garrison Bliss told Yahoo! Reuters that this reduces the time it takes to get in the office and lowers the price of treating patients. Same day or next day appointments are the norm and pre-screening and pre-existing conditions do not affect their coverage. A lot of the cost related to working with insurance companies is also reduced.

I think this is a great idea and believe that many more clinics will adopt this model. People are tired of paying more and more for insurance that finds reasons not to cover them and creates more paperwork for doctors who should be spending the majority of their time treating patients. The money is going directly from patient to provider and brings a lot of reassurance to people who know that they have immediate access to high quality medical care. As long as patients are getting quality care and the doctors and nurses can make a living, I cannot find anything wrong with this model. And it provides competition for the insurance company which may force them to rethink how they operate.

I expect that even with this model, monthly fees will increase as their population ages and develops more health problems. This may also be better because people do not often realize that as more and more people develop chronic and serious health problems, largely related to obesity, premiums increase. Maybe clinics using this model can go through a patient’s history and explain the changes that have occurred over a certain time period and help people understand the costs required to cover their health and create a transparency that is long overdue.

Image courtesy of Brittany G