As conversations around Direct Primary Care and Health Savings Accounts swirl around our country, there is some important information for you to know. There is some clarifying language separating surgical procedures requiring anesthesia, medications (not including certain vaccines), and complex lab testing that have to be excluded from the membership fee and are counted outside of the scope of DPC services described. Most DPC practices (including mine) keep these items separate already and a patient can still use HSA funds to pay for all those things as well. They just have to be listed separately.
There is also an actual cap of $150/individual and $300/family per month. This falls well within the average membership fee of most DPC practices across the country. These tax and HSA benefits have some significant financial impact. For a practice that charges $100/month the tax burden in a 22% tax bracket on that $1200 expense over the year would be $264. That’s more than 2.5 months of DPC service. What could you do with that $1000 over the next four years? I hope all of you are able to appreciate and benefit from this great news.
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