Concierge Care
Covered But Still Paying: The Hidden Out-of-Pocket Costs in Commercial Health Plans
May 12, 2025
Doctor at your doorstep
“Don’t worry, it’s covered.”
That phrase offers a false sense of security to millions of Americans every year. We assume that if a service is covered by insurance, it means low (or no) cost. But once the bills arrive, patients are often left stunned—facing hundreds or even thousands in unexpected charges.
So what’s really going on here?
The Insurance Illusion: Why 'Covered' Doesn't Mean Affordable
Most insurance plans include layers of complexity that chip away at your wallet:
Copays: You pay these upfront for doctor visits, prescriptions, or ER trips—ranging from $20 to over $100.
Coinsurance: After your deductible is met, you still owe a percentage of the bill (commonly 20–30%). That adds up fast when you're talking labs, MRIs, or outpatient procedures.
Out-of-Pocket Maximums: Sounds like a safety net—but many don’t realize this can be $7,000–$10,000 per person, per year. And it resets annually.
These costs often hit when you’re least prepared—during emergencies, chronic illness flare-ups, or after a “routine” check-up uncovers something that needs follow-up.
Let’s Compare: Traditional Insurance vs. RevDoc
Here’s a typical real-world example:
Service | Traditional Insurance | RevDoc |
|---|---|---|
Urgent Care Visit | $75 copay + 20% of additional charges | $99 flat fee |
IV hydration therapy | $400+ billed to insurance, $150+ after coverage | $149-$249, no surprises |
Weight Loss Medication | $600-$1200/month, often not covered | Discounted pricing with membership |
Hormone Evaluation | $400–1000, often not covered | $150 + Access to provider to review your results |
Under insurance, patients often don’t know what they’ll owe until weeks later. With RevDoc, pricing is fixed, transparent, and provided before you book.
Why Membership Matters
Think of it like a wholesale club - but for healthcare.
RevDoc’s membership unlocks:
Access to 100+ services at whole-sale, fixed prices
24/7 In-App messaging with your care team
Free medication management through the app
In-home care options in select markets
Savings on services that insurance often doesn’t touch (like IVs, weight loss support, peptides or hormone therapy)
And you can pay with HSA/FSA dollars - because it’s your health, on your terms.
Final Thought
Insurance may be necessary for catastrophic care - but for everyday health needs, it often creates more confusion, cost, and delay than it solves. RevDoc was built to put you back in control; offering clarity, convenience, and care without the fine print.
No networks. No surprise bills. Just care that works for you.
Join the Revolution Today: https://www.revdoc.com/get-the-app
Doctor at your doorstep
*RevDoc does not provide any medical or other healthcare services. Through the RevDoc App, RevDoc provides a technology platform through which registered users may identify and communicate with independent healthcare providers (“Healthcare Providers”) and arrange for and coordinate the performance of healthcare services by those Healthcare Providers.