With our low monthly fee, MedLou never bills your insurance for co-pays or in-office procedures, therefore saving patients money. Additionally, MedLou's in-house pharmacy can offer a majority of prescriptions at cost without billing insurance. If labs are needed, MedLou has negotiated deeply discounted rates with Quest or LabCorp, or you can use traditional insurance or Medicare to cover those labs. Many insurance companies cover annual screening labs at full cost. Under those circumstances, Lab Corp or Quest will bill your insurance.

Do I still need insurance?

Yes, insurance is still necessary for catastrophic illness or hospitalizations, screening procedures like colonoscopies, surgeries, and specialists to name a few.

We can give you contact information for local insurance agents who understand the benefit of this model for further recommendations. There are also several non-insurance cost savings plans both faith and non-faith based that are great options for people without the option of a high priced PPO, which is arguably just a high priced catastrophic plan anyway. In addition to traditional insurance, there are faith-based and non-faith based, voluntary, healthcare cost-sharing ministries that are acceptable options to meet the individual mandate for health cost coverage in the Affordable Care Act. They include Liberty HealthShare, www.LibertyDirect.org (855) 585-5237, Samaritan Ministries, www.SamaritanMinistries.org (888) 268-4377, Christian Care Ministry www.MyChristianCare.org (800) 772-5623, and Christian Healthcare Ministries, www.chministries.org (800) 791-6225.

What if I need imaging or a specialist?

We have negotiated deeply discounted cash rates with Priority Radiology and High Field Open MRI for MedLou patients. Alternatively, you may use traditional insurance or your Medicare at any facility in town.

You may also use traditional insurance or your Medicare at any local independent specialists as well as hospital affiliated/employed specialists. If you already have relationships, we will certainly continue to augment that care and communicate freely with those specialists.