Two terms which may not be familiar to patients are 'direct pay' and 'concierge medicine'. Both eliminate the insurance plan as an intermediary for payment of patient services.
Health insurance as we know it today is not insurance. It has evolved into a comprehensive health plan(s) governed my medicare and commercial health plans. Their goal is to increase and/or maintain profitability in lieu of patient care. They are designed to provide reimbursement for soup to nuts. This is very inefficient and increases cost measurably.
Purchasers of health plans no longer have a choice of tier or to opt-out of unneeded coverage. The 50 year old post menopausal woman pays for pregnancy care, and delivery even though she will never use this coverage.
The DPC and Concierge plans are designed for primary care (family practice and some internal medicine and pediatric practices)
The Direct Primary Care conference, is sponsored by 'Doctors for Patient Care' and independent non-profit organization whose mission is to alter the current health care system.