07/25/2025
DPC + HDHP = Complete Coverage Strategy
Your HDHP handles the "what-ifs" - the big, unexpected medical events like major accidents, surgeries, cancer treatment, or heart attacks. It's your financial safety net for catastrophic health expenses that could bankrupt you.
Your DPC membership handles the "everyday" - routine physicals, sick visits, chronic disease management, preventive care, and minor procedures. It's your proactive health maintenance plan.
Think of it as layered protection:
HDHP = Your home insurance (protects against major disasters)
DPC = Your home maintenance plan (prevents small problems from becoming big ones)
The strategic advantage: Most people with HDHPs avoid seeing doctors for routine issues because they don't want to pay toward their deductible. This often leads to small problems becoming expensive emergencies that DO hit your deductible.
With DPC, you get unlimited primary care access, so you actually USE preventive healthcare. Your doctor can catch issues early, manage chronic conditions properly, and keep you out of expensive urgent care centers and ERs.
Financial positioning: You're already saving money on premiums with your HDHP. Instead of gambling that you'll stay healthy, consider investing those premium savings into a DPC membership. You'll get better access to care while still maintaining catastrophic protection.
The result: Lower overall healthcare costs, better health outcomes, and peace of mind knowing you're covered for both routine care and major medical events.
👉 Want layered protection? Call us at 201-639-4250
