Total Healthcare Replacement Model
Why we stopped trying to “fix” healthcare—and built something better. For years, healthcare has been optimized around billing, not patients. Higher premiums. Narrow networks. More friction. Employers pay more every year. Patients delay care. And the ER becomes the default access point. This post outlines how we built a true healthcare replacement model—not a theory, not a pilot—while still working full-time as emergency medicine physicians. Where This Started (The ER Truth) A massive percentage of patients we see in the emergency department are there because: - They can’t access primary care - They don’t understand their benefits - They’re “covered” but afraid of the cost - Or they’ve been bounced around a broken system Insurance wasn’t failing catastrophically. It was failing quietly—through delay, confusion, and avoidance. That’s when we realized: Insurance is a poor tool for delivering everyday healthcare. So we stopped trying to optimize insurance—and built around it. The Architecture of a Real Replacement Model This only works if every layer is intentional. 1️⃣ Direct Primary Care (The Foundation) FirstCall DPC became the front door: - Same-day access - Longer visits - No billing friction - No visit limits - No prior authorization for basic care DPC handles 70–80% of healthcare needs when done correctly. But DPC alone isn’t enough. 2️⃣ Community Concierge Navigation (The Missing Layer) Most healthcare failures aren’t clinical—they’re navigational. This is where PatientPAL became critical. PatientPAL functions as the human guidance layer, helping members: - Understand benefits - Navigate imaging and specialty care - Resolve billing confusion - Coordinate follow-ups - Avoid unnecessary ER visits This isn’t a call center. It’s advocacy + continuity. When combined with DPC, this layer alone demonstrated ~$1,000 per employee per year in modeled savings, while improving outcomes 3️⃣ Claims Intelligence & Network Optimization