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Insurance

Marquis Family Medicine is dedicated to providing you with the highest quality, cost effective medical care. In order for us to provide our high quality care at an affordable cost, we DO NOT accept any insurance or Medicare/Medicaid. We recommend a high deductible insurance plan for emergencies or specialist visits.

 

Health Shares

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Marquis Family Medicine has partnered with local insurance agents whom in many cases saved our patients hundreds of dollars by switching from "traditional" insurance companies. One option, Liberty Health Share, will pay for a portion of Marquis Family Medicines' membership fee. 

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Key points to Health Shares:

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  • Health cost-sharing program  

  • Affordable Care Act compliant

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Call our office for more information on ways to save on insurance

HEALTH INSURANCE Q & A

Is a membership with Marquis Family Medicine considered health insurance?

 

No. Having a membership with Marquis Family Medicine allows you to have improved access to your own physician, but it is not the same as insurance and does not meet the minimum essential coverage mandated by the Affordable Care Act ('Obamacare'). The State of Arizona recognizes the Direct Primary Care model as a service distinct from health insurance. 

 

 

 

Do I even need health insurance?

 

Absolutely. Health insurance is necessary to pay for expensive, unanticipated medical costs. I have a health insurance policy for myself and my family. A serious illness can bankrupt a household; not having health insurance can be harmful to both your health as well as to your wallet.

 

What does it mean to be "out of network"?

 

Because I do not participate in any insurance plans, I am considered an "out of network" provider by most insurance companies. It is important to check to see how your insurance policy will handle this. In most cases, the membership fee I charge will likely not be reimbursed,

although additional fees (such as the cost for an injectable medication) may be.

 

Can I be a patient if I have health insurance?

 

In most cases, yes. For the purposes of insurance, I will be considered an out-of-network provider.

 

Isn't it more expensive to pay for this membership fee than to have my insurance pay it?

 

No. In some cases, paying for your health costs directly may be less expensive than having your insurance pay for it. Insurance is meant to pay for rare but expensive costs. The more things that are included in an insurance policy, the more expensive it becomes. That's why it's best to have insurance for expensive things (like replacement costs for a car or a house), but to pay out of pocket for more

routine things (like an oil change or to fix a clogged drain.)

 

Health insurance is often backwards because most companies pay for things that are expensive (like a major surgery) as well as for things that are routine (like treatment for strep throat). Comprehensive plans like these are like paying for car insurance that includes oil changes along with collision insurance.

 

The fact is that most of what a family doctor does is not very expensive. When you see me, you are paying for my time and perhaps for a few inexpensive supplies, like a brace or some bandages. By paying for these services directly, you can then save money by purchasing insurance only for the things you can't afford.

 

 

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