If you read my blog last week, you already know we talked about using an HSA plan with Direct Primary Care and why it finally gives families a break from sky-high premiums. This week, I want to follow up with another option a lot of people overlook but should absolutely reconsider. Catastrophic plans.
Catastrophic insurance is simple. It is affordable, it is straightforward, and it is meant for the big unexpected moments. A major accident. A hospital stay. A sudden medical emergency. It is not designed for your everyday care, and that is exactly why it pairs so well with Direct Primary Care.
When you are already getting unlimited primary care through your DPC membership, you do not need insurance to cover office visits or basic care. You already have direct access to your provider. You get quick scheduling, longer appointments, and real follow up. That part is handled.
So what you really need from insurance is protection for the rare but serious situations. That is where catastrophic plans shine. The premiums are much lower because the plans only activate for high-level medical events. You still have the hospital coverage you need, without paying six to eight hundred dollars every other week for a plan you barely use.
For many families, this combination finally brings balance. Predictable primary care through Direct Primary Care. Real financial protection through a catastrophic plan. And monthly costs that do not feel overwhelming.
Choosing a catastrophic plan is not about skipping insurance. It is about choosing insurance that covers what truly matters while letting Direct Primary Care take care of the rest.
Ready for a change? Schedule a Meet & Greet.
