🩺 1. Why Concierge / DPC Works So Well with ClearHealth

Concierge and DPC physicians typically charge a monthly or annual membership fee (e.g., $60–$150/month) that covers most routine visits, labs, and basic care. This complements your model’s HSA-compatible HDHP — the concierge fee replaces what would normally be spent on small, fragmented claims.

⚙️ 2. How to Integrate Concierge Care Operationally

Option A — “Member pays concierge directly” (simplest)

• Member pays the concierge doctor their monthly/annual fee out of pocket.
• All other medical expenses (specialists, labs, imaging, hospital, etc.) flow through ClearHealth.
• The concierge doctor can still refer and coordinate care through your transparent pricing system.

✅ Easiest to launch, no regulatory issues. ❌ Concierge fees aren’t always HSA-eligible (see below).

Option B — “ClearHealth DPC Add-On Plan”

• ClearHealth offers an optional Direct Care Add-On (say, $100/month).
• That money is automatically paid to a participating DPC or concierge partner.
• The plan’s deductible and HSA rules apply only to non-primary care expenses.

✅ Makes you the first plan to bundle primary + catastrophic coverage cleanly. ❌ Requires clear IRS language to preserve HSA eligibility (see next section).

⚖️ 3. HSA Compatibility Considerations

Under current IRS rules, HSA funds can’t be used to pay a retainer or membership fee for concierge care if it covers ongoing access to care before the deductible. However:

• If the concierge fee only covers non-medical services (e.g., priority scheduling, communication), it may qualify.
• You can structure it as a separate non-insurance subscription, while ClearHealth remains the HDHP.

Bottom line: Keep the concierge membership separate from the HSA-linked insurance product, and your plan remains fully HSA-compatible.

🤝 4. Why Concierge Providers Would Join

Because you’d make their business better, not harder:

• No insurance contracts or claims.
• Fast, guaranteed electronic payments for labs, imaging, or referrals.
• Their patients get affordable catastrophic coverage that preserves the concierge relationship.
• Concierge clinics can even white-label your plan for their patients.

You could pitch it as:

“We’re the insurance that makes concierge medicine possible for everyone.”

💡 5. Strategic Upside

For members: predictable costs, premium experience, direct access to their doctor. For providers: steady cash flow, less admin, higher patient satisfaction. For ClearHealth: differentiation from every other insurer — you align with the doctor–patient relationship instead of fighting it.

🚀 Example Product Bundle