Who can join Inspire Health Direct Primary Care?
Almost anyone. Inspire Health Direct Primary Care provides health care for all ages and genders. From birth to 115, male, female, or transgender. If you are a human, we can provide health care for you. If we feel you would be better served by a different doctor, we will discuss this with you and make appropriate recommendations. And if you make it past 115, you won't be kicked out, but your health care would be free! You should be aware if your insurance restricts you from participating in a direct primary care practice. Some HMO insurance will prevent you from being a client of direct primary care.
Is Inspire Health Direct Primary Care insurance?
No. Inspire Health Direct Primary Care offers a way for you to get great primary care at an affordable price. You still need to purchase health insurance to cover the expenses for health care services not provided by Inspire Health, things like emergency room visits, x-rays, surgery, and hospitalizations.
Does Inspire Health affect my insurance?
No. You can still have whatever insurance you want or your employer provides, however, your insurance can't be used to pay for the services provided by Inspire Health Direct Primary Care. Make sure you talk with your insurance agent to see if being a member of a direct primary care practice can reduce your premium or qualify you for a lower cost, higher deductible plan.
I have medicare. Can I still be a member of Inspire Health Direct Primary Care?
Yes, but you can't use medicare to pay for the services provided by Inspire Health. You will have to pay for this with your own credit card, debit card, or bank account. Inspire Health does not accept Medicare as payment, and Medicare prohibits you from filing a claim to try to get Medicare to reimburse you for the amount of your subscription fees or any other services provided by Inspire Health.
I am a small business owner. Can I purchase Inspire Health subscriptions for my employees?
Yes. Inspire Health Direct Primary Care may be a great way for you to improve your health benefit offerings to your employees by providing direct access to primary care, without the hassles of co-pays, deductibles, and repetitive paperwork.
How do I pay for subscription with Inspire Health Direct Primary Care?
When you sign up for Inspire Health Direct Primary Care, your account will be set up for automatic monthly payments using a bank account, credit card, or debit card. Remember that when a credit card expires and is replaced by a new card, you need to log into your Inspire Health account and update your information.
What happens if I don't pay my Inspire Health subscription fees?
You can only access the services provided by Inspire Health Direct Primary Care if your account is current. If your account is not current, you will be offered the opportunity to make your account current, otherwise, you will not be seen. If your account falls out of good standing for 30 days, your subscription will be cancelled.
Can I cancel my membership with Inspire Health Direct Primary Care?
Yes, you can cancel your subscription with Inspire Health Direct Primary Care at any time, however if you decide at a later date that you want to join again, you will have to pay a $300 reinstatement fee. Inspire Health Direct Primary Care limits the number of patients each physician will have to a very small number. If you cancel your subscription, there is no guarantee that there will be a space for you if you decide to return at a later date. Inspire Health Direct Primary Care also reserves the right to not accept you as a patient if you request reinstatement.
What about medications like narcotics. Does Inspire Health provide those?
Not on an ongoing basis. Inspire Health believes that most pain is better treated with other medications, physical therapy, chiropratic care, exercise, and cognitive behavioral therapy. Patients requiring narcotics on a chronic, daily basis will need to see a pain specialist for management of pain. Of course there are a few exceptions to this, to be determined by the physician. Examples of exceptions include having an active cancer diagnosis, or end of life comfort care. In particular, Inspire Health will not prescribe chronic narcotics for chronic back pain, chronic headaches, or fibromyalgia. Please see the medication policy.
Can I use my HSA or FSA to pay for my membership fees?
Sadly, no. At least not at this time. There is a senate bill in committee to change the IRS tax code to recognize direct primary care fees as a legitimate medical expense, but no legislation has yet been passed to successfully amend the tax code. Talk to your US senators or representatives about this. This same bill also allows Medicare to recognize Direct Primary Care as a legitimate source of health care and would then allow Medicare to pay the fees for Direct Primary Care. Again, talk to your US senators and representatives about this.