08/14/2026
Let’s talk about health insurance and the real numbers behind your care. Do you actually understand the full scope of what you’re paying for?
The longer I’m in this, the more insane it feels. For most working families, you’re getting hit all the way around. What’s the full scope of what you’re paying for in terms of your healthcare?! It starts with your taxes. We all pay into Medicare and state-funded programs like MaineCare to support our community’s health. But there is a disconnect between the money leaving your paycheck and the reality of how healthcare providers are reimbursed.
One key fact, DHHS again capped or held some provider payments in mid-May because of a $62 million shortfall, including some hospital claims over $50,000.
So, when you have employees to pay, and bills to pay, what do you do?! 😬
The "Hidden" Math of Healthcare:
When government programs like Medicare or MaineCare reimburse hospitals at rates that often fall below the actual cost of providing care, those facilities face a massive financial burden. To keep their doors open and pay their staff, they have to "cost-shift." This means they charge commercial insurance companies significantly higher rates to make up the difference.
What This Means for Your Wallet:
Even if you have "good" commercial insurance, you’re paying for things it seems several times- in taxes, premiums of your own insurance and then the out of pocket reality.
1. The Premium: For a family plan, the average worker’s share is roughly $132 per week (with the total premium often exceeding $500/week).
2. The Out-of-Pocket Reality: Once you pay your premium, you still have to meet your deductible—often $3,400 or more for a family. After that, you hit "coinsurance" (where you pay a percentage of the bill) until you reach your out-of-pocket maximum, which can be as high as $21,200 for a family plan in 2026.
🩻MRI Example:
Imagine you need an MRI for your knee. Because hospitals are forced to charge commercial insurance inflated rates to offset low government reimbursements, they might bill your insurance $5,000 for that scan. You are then responsible for your coinsurance percentage of that $5,000 until you hit your massive out-of-pocket maximum. If your co-insurance rate is 30%, you’re share for this will be $1500 on top of your deductible.
💵Cash pricing option:
That same MRI, if you say, “what is it if you don’t run it through insurance and give me the cash rate?!” That same MRI at cash pricing might be $400
The Shocking Truth: 💵
If you were to walk into that same facility and ask for a "cash-only" rate—bypassing the insurance middleman entirely—that same MRI might only cost you $400. . *keep in mind, this will not be able to be applied to your out of pocket max without going through insurance.*
The current system relies on you paying high premiums and high out-of-pocket costs to subsidize a broken reimbursement model.
At our Direct Primary Care (DPC) practice, we believe in a different path: transparency, lower costs, and a direct relationship between you and your doctor—no hidden math, no insurance games. We see patients that are both insured and uninsured and like to help you understand your plan and how to save you the most money. While you may pay a membership fee, it could pay for itself just in that. While I never encourage patients to drop health insurance coverage, it’s important to understand all factors.
👉know your numbers- pricing, deductible (individual and family and what those mean), coinsurance %, out of pocket max.
👉Always ask to see what the cash pricing is, consider and ask about pay now discount (many local hospitals provide 10+% discount if paid at time of schedule or registration.