Lower monthly costs, but unpredictability from month to month means higher costs overall

Bob has traditional health insurance through his employer, who pays half of his premium.

Bob’s monthly healthcare costs are:
– His health insurance premium of $250

He pays $250 each month. His preventive exam is covered but he pays out of pocket for any unexpected office visits or appointments he needs for injury, illness, physical therapy, behavioral health, etc. at his health system. This year, those appointments cost him $1,992. Bob finds it difficult to budget for these unexpected costs.

His monthly costs plus his unpredictable out-of-pocket charges totaled $4,992 for the year.

Predictable monthly costs, more time with her provider, impactful health improvements and $1,000 in savings

Cindy has traditional health insurance through her employer, who pays half of her premium. She also has a ViaroHealth membership.

Cindy’s monthly healthcare costs are: 
– Her health insurance premium of $250 
– Her Viaro Plus membership of $80

That’s it. She pays $330 each month without worrying about additional unexpected medical costs. That’s because her preventive care plus any other appointments she needs for injury, illness, physical therapy, behavioral health, etc. are covered at Viaro with no additional costs. 

Her monthly costs totaled $3,960 for the year, as expected.

In addition, Cindy was able to spend more time with her Viaro provider, ask questions without fear of additional charges and make impactful improvements to her mental and physical health.

Now, what will she do with that extra $1,000 she saved?