The setup
Two parents in their 40s, two kids under 14. Both adults work. Both want a family doctor they can actually reach. Here is how a typical employer PPO compares to a DPC + HDHP setup.
Option A: Traditional PPO
A family PPO plan usually means a monthly premium, an annual deductible, and a copay every time you see a doctor or a specialist. Even routine care adds up in premiums and copays before you factor in anything unexpected.
Option B: DPC + HDHP
Our DPC family membership is a flat monthly fee based on each family member's age tier. Pair it with a high-deductible health plan to cover the big stuff, and you get lower monthly costs for everyday care plus catastrophic coverage for the rest.
Where DPC actually wins
The price is one thing. The experience is another.
With a traditional PPO, a sick visit often means a long wait for an appointment and a copay to be told to rest and drink fluids. With Gem MD, you text us, we get you in quickly, and you walk out without a bill.
With a traditional PPO, refilling a prescription means calling in, waiting for a message to be relayed, then calling the pharmacy. With Gem MD, we send the refill while you are messaging us.
With a traditional PPO, a lab result triggers a portal message and a callback later. With Gem MD, we read it the same day, message you what it means, and book a follow-up if needed.
When PPO wins
If someone in your family has a chronic condition that needs a lot of specialist care, the PPO copay structure may matter more than the premium. Talk to us. We will tell you honestly which option fits your situation.
Want to see how this compares for your family?
Schedule a free meet-and-greet. We will walk through your specific situation and help you figure out which combination is best.