Frequently Asked Questions
Will Cloud Medical help me build an efficient, comprehensive healthcare plan that avoids tax penalties and helps with high cost health services including hospitalizations and surgeries?
What is Direct Primary Care (DPC)?
What is Cloud DPC?
Cloud DPC is not insurance. It is a monthly membership program that provides primary care services. This includes 24/7 access to your personal physician, unlimited visits, no copays, virtual access via text, cell, email, and video. Basically, you’re signing up to have a completely different relationship with someone who you can truly call your “personal physician,” someone who is devoted to your health around the clock, no matter what happens, no matter where you happen to be, and no matter when you need our help.
It’s a vastly different relationship than one in the conventional medical model where everything revolves around “what is covered and not covered.” It also includes office-based procedures like skin surgeries, joint injections, suture repair, wound care, and casting and splinting of broken bones.
At the Cloud Medical offices, we also perform skin cancer surgeries, bio-identical hormone implants, complicated joint injections and aspirations, PRP, and lots of other services that usually fall under the speciality banner of “sports medicine”, “functional medicine”, “anti-aging medicine”, “naturopathy”, “genomic medicine”, “
The cost is $119/mo for individuals, $199/mo for couples, $178/mo for a single parent with one or two children, $317/mo for families of three or four, and $59/mo for each additional child.
Always-On Direct Primary Care. Cloud DPC allows us to spend more time with you whenever you need us: during business hours, evenings, nights, weekends, when you’re traveling, or when you’re too busy to come into the office; in other words, when life actually happens. For instance, if you’ve come down with a sinus infection while traveling in Katmandu, no problem! Just text, call, email, or even video-conference your personal doctor, and get the help you need right away. And since we don’t have to deal with conventional insurance protocols, like being limited to certain medical networks, we can provide and arrange for medical assistance anywhere, no matter where in the world you are.
Your personal physician becomes your go-to healthcare guru, guide, advocate, champion, scout, and sherpa. We are committed to getting you the answers you need, and in much less time than what you’re used to. We know the healthcare system inside and out, so when you need something done, we make it happen, and FAST.
- Same day appointments
- Same day MRI’s
- Same day prescription refills
We are “outside the box” physicians who are passionate about keeping up to date with the most
What about the 'Big Stuff' like hospitalizations?
As an option to help you create an all-inclusive healthcare plan that meets your specific needs, we work with HealthShare ministry organizations that offer innovative programs which perfectly dovetail with our Cloud DPC model. Please note however, that these HealthShare ministry organizations operate separately and independently from Cloud DPC.
The HealthShare programs work like this: The burden of high-cost healthcare expenses such as hospitalizations, surgeries, specialist visits, etc. is ‘shared’ among like-minded, health-oriented individuals via the HealthShare’s own payment systems. For many people, the monthly costs for HealthShare is literally half of any conventional insurance plan they can get on the Health Exchange.
By having memberships in both Cloud DPC and the HealthShare organization of your choice, you get the best of both worlds: our concierge-level service for all of your primary care, and the financial management of high-cost health catastrophes handled by the HealthShare organization.
Click here if you would like to learn more about the current HealthShare models available.
What happens if I’m a Cloud DPC member and I have an issue “after hours?”
How is DPC different from Conventional Medical Insurance?
We know that Conventional Insurance is appropriate for major catastrophes, like floods, fires, and tornadoes, and we are most assuredly in accord with Life, Auto, and Homeowner’s Insurance to protect you against these types of major expenses. But Direct Primary Care is about your health disasters, plus so much more.
DPC is about relationships, trust, access, and having someone who will be an ever-present guide through the myriad health issues that can arise. For instance, it’s often the case that a small problem can be handled very quickly and easily if you have immediate access to your primary care doc. (Think asthma attacks, bee stings, lacerations, earaches, broken bones, panic attacks, bad infections, road rash, changing moles, etc.).
It’s when you don’t have quick access to your primary care doctor that the relatively small things can become very serious—very quickly. That’s why we maintain an “always on” policy. When you’re a member of Cloud Medical DPC, we handle all of your primary care needs, completely and independently. We do not obtain any reimbursement from your chosen HealthShare organization, or any other insurance company, for that matter. We manage our relationship with you without interference from any “third party.”
In the conventional healthcare model, insurance companies completely dictate the dynamics, so your doctor doesn’t really work for YOU, because the doctors are bound to work for them—or through them. They have to ask for approval to get almost anything done for you, and this process usually takes weeks, or longer.
Have you ever gotten frustrated with your doctor because it’s taking such a long time to have an MRI scheduled, or some other procedure? Most of the time it’s because their staff is on the phone, sometimes literally for hours, trying to get a “prior authorization” because the insurance company keeps denying approval for what you need. With DPC, this is never the case.
In the conventional healthcare model, it’s also a constant battle for your doctor’s office to get paid for their services after taking care of you. Someone once calculated the total number of ‘billing-related steps’ it takes from the time you leave the doctor’s office to when they receive payment, which is always weeks or months later: twenty-seven. Twenty-seven steps!
Conventional healthcare is one of the most inefficient industries in America. The required bureaucratic procedures might be okay if we were talking about something as life-changing as a heart transplant, but for primary care services, it is, and always has been, an inefficient and complicated way to operate. DPC is so much simpler, and so much more efficient and effective! We never have to worry about co-pays, prior authorizations, denials, or “if this or that is covered.” The only things we are concerned with are taking the best possible care of you, in the shortest amount of time, and in ways that benefit you the most.
DPC is literally transforming healthcare in the US, and if you want to learn even more about this new model, check out this article.
Do you offer plans for Businesses and other Organizations?
Even if you already have a wellness committee or an HR department in charge of your company’s healthcare, we will seamlessly integrate with your existing programs and take a big load off their shoulders. We love making HR executives happy!
Is Cloud DPC a concierge program?
- Because we are not satisfied with the status quo.
- Because we are insiders who know the healthcare system inside and out.
- Because we are healthcare policy experts who have been invited to speak at the White House about the future of healthcare, and who have spent many days on Capitol Hill in Washington D.C., campaigning for true, meaningful reform.
- Because we are visionaries, and are happy to lead the way forward when others seem lost in the quandary.
- Because we love to innovate and solve complicated problems with productive solutions.
- Because we believe in win-win-win: You win, We win, Society wins.
- Because we are inspired by all of the rockstar paradigm-shifters and revolutionaries who live in our midst here in Boulder county.
- Because we believe in Conscious Capitalism.
- Because we believe in local solutions based on real people, real relationships, real experiences and real outcomes.
- Because we are allergic to counterfeit deception.
- Because we believe that you should not have to be ultra wealthy to get world-class healthcare.
- Because we believe in fiscal responsibility, sustainability, and bootstrapping rather than constantly asking for more grants, more handouts, and more government funding.
- Because we believe that primary healthcare should remain independent from the medical oligopolies.
- Because we are grateful to be able do what we do…and most of all because we love our patients.
What is Cloud Medical’s Mission?
NEWSFLASH: As of January 2018, we are happy to report that our original goal of signing up 1000 members from the Longmont-Boulder area, is now capped! We are grateful to have a full roster of families and individuals who resonate with our values. We have the honor of caring deeply for you, getting to know you over a lifetime, and being the constant, ever-present super heavyweight champions for your health, happiness, and wellness!
Now that we have reached our membership cap, we have closed enrollment and are waitlisting new patient requests. While we’re proud of the fact that our enrollment is capped, we also know that the flow of life and it’s changing nature is sometimes unavoidable. These days, changes can happen out of the blue and quick as a flash. We encourage you to join the waitlist for Cloud Medical DPC, as the possibility of an opening can happen any time, and we’d love to provide you with the finest in direct primary care that’s available anywhere. To join the waitlist, please sign up here.
Tell me more about HealthShare
Members of these programs simply ‘share’ their major health care expenses. They have systems in place that make cost sharing easy, and with total transparency. Designed for health-conscious individuals, families, and businesses, the organizations that offer these HealthShare programs meet the ACA/IRS requirements, so you can avoid IRS penalties.
Please note: HealthShare programs are designed for people who strive to live healthy lifestyles. They may not cover medical expenses related to smoking and other behaviors which pose known health risks. Contact the HealthShare organization for details.
Where do I sign up and pay for Cloud DPC + HealthShare?
Does Cloud Medical have its own Lab?
How does Cloud Medical work with Specialists?
We never need to obtain any pre-authorization, because we don’t work with any conventional insurance plans.
Does Cloud Medical have a philosophy about health and healing?
Do Cloud Medical Centers accept Conventional Insurance?
Yes, but…we also offer a far better option for most people, and we invite you to join our innovative model.
If you work for a large company and have a great insurance plan, it often includes a high deductible. Many folks in your shoes use our Cloud DPC plan as an “
The insurance industry creates so many unnecessary requirements, problems
Keep your major insurance plan for catastrophes, but join our Cloud DPC program if you want a completely new experience for your day to day healthcare. That said, we are unfortunately unable to work with Medicare and Medicaid insurance. However: If you are a Medicare or Medicaid patient, you can not join DPC. Your DPC services will be covered by the monthly membership fee.
Why would I pay for two plans when I already have one?
- The superior service / patient experience of Cloud DPC
- Cost savings
When you do the math, if you have a high deductible of several thousand dollars, you pay the full amount of any day to day healthcare expenses out of pocket until you reach that deductible, often at higher prices to boot! Your insurance doesn’t really “kick in” until after the deductible is met. So if you haven’t met your $5000 deductible, and you get stitches at the ER, you’ll likely pay several thousand dollars out of pocket just for that visit!
With Cloud DPC, we take care of many medical problems that will keep members from having to go to the ER most all of the time. Many times, we can even prevent hospitalizations due to the kind of accessibility that we offer.
Of course, if you ever have a life threatening condition or emergency, always call 911.
If you do keep your major medical insurance plan, our goal is to prevent you from ever hitting your deductible by handling your direct primary care, and with never any co-pays.
We find that most of our patients join because they are looking for a different kind of experience with their doctor, and are truly interested in becoming what we call Cloud Optimized: the healthiest possible version of you!