5 Ways Direct Primary Care Can Help With Testosterone Therapy

Key Takeaways Direct Primary Care (DPC) offers unlimited, low-cost care with no insurance required, ideal for everyday health needs. Health Care Sharing Ministries (HCSMs) and Short-Term Plans offer lower monthly costs but come with coverage limits. Catastrophic Plans are designed to protect against big medical bills, not routine care. Discount Plans can lower the cost of prescriptions, dental, and vision services. Medicaid provides free or low-cost care for those who qualify based on income and state guidelines. Association Health Plans give self-employed or gig workers access to group-rate insurance options. Many people are eligible for ACA Marketplace subsidies , making full-coverage plans much more affordable. There's no one-size-fits-all ; The right option depends on your health needs, budget, and personal situation. 8 Affordable Health Insurance Alternatives in the USA Healthcare in the U.S. is expensive, and many people are feeling the pressure. According to a national survey , 44% of adults say it's difficult to afford their health care costs , and over one-third (36%) have skipped or delayed care in the past year because of cost . Even with insurance, many still struggle to pay for things like premiums, medications, or Primary Care Provider visits. And for millions of people, health insurance is either too expensive or doesn't offer enough coverage. The truth is, traditional insurance isn't the only option. In this post, we'll explore 8 affordable alternatives that can help you get the care you need, without the financial strain. What is Health Insurance Health insurance is a way to help pay for your medical care. You pay a monthly fee, called a premium , and the insurance company helps cover the cost when you go to the Primary Care Provider, get tests, or need treatment. Most plans also have things like deductibles (what you pay before insurance starts helping), copays (small payments for visits), and out-of-pocket limits (the most you'll pay in a year). Health insurance can come from your job, the government (like Medicare or Medicaid), or be bought on your own. But not all plans cover the same things, and many come with high costs that still make it hard for people to get the care they need. That's why more people are looking into different options for coverage. 8 Affordable Health Insurance Alternatives in the USA Not everyone can afford a traditional health insurance plan, and some people want a better way to manage their care and costs. The good news is that there are alternatives, and many of them are designed with simplicity and affordability in mind. 1. Direct Primary Care (DPC) Best for: Individuals and families looking for affordable everyday care without insurance hassles. Also great for: Small business owners, gig workers, and early retirees. Direct Primary Care is a membership-based model in which you pay a fixed monthly cost directly to your healthcare provider rather than an insurance company. In exchange, you gain unrestricted access to your primary care team. Here's what you get: Unlimited in-person and virtual visits Same-day or next-day appointments No copays, deductibles, or surprise bills Complete transparency on all costs Discounts on labs, medications, and imaging Support with weight loss, hormone management, chronic care, and urgent needs DPC is not health insurance, but it pairs well with catastrophic coverage or health sharing plans to create a more complete, flexible, and cost-effective arrangement. 2. Health Care Sharing Ministries (HCSMs) Best for: People who are part of a faith-based community and looking for lower monthly costs. Health Care Sharing Ministries are groups of people who agree to share each other's medical expenses. You pay a monthly "share amount," and when a medical need arises, the group helps cover the cost. What's Covered: Primary Care Provider visits Hospital stays Emergency care Some preventive services (varies by plan) What's Not Covered: Pre-existing conditions (may have waiting periods) Mental health services Preventive or routine care in some cases Care related to lifestyle choices is not aligned with the ministry's values HCSMs often require members to follow specific religious or lifestyle rules, such as attending church regularly, not using tobacco, and avoiding alcohol or drug misuse. Before joining, it's important to read the guidelines carefully to ensure they align with your personal beliefs and health needs. 3. Short-Term Health Insurance Plans Best for: Healthy individuals who need temporary coverage between jobs or during life transitions. These plans offer basic medical coverage for a short time , often 30 days to 12 months. In some states, plans can last up to 36 months. What They Typically Cover: Emergency room visits Hospital stays Surgery Some Primary Care Provider visits What They Usually Don't Cover: Pre-existing conditions Preventive care Mental health services Prescription drugs (in many cases) Short-term health insurance plans aren't designed for long-term needs because they offer limited coverage, often exclude pre-existing conditions, and can deny you based on your health history. These plans also aren't required to follow Affordable Care Act (ACA) rules, so essential benefits like maternity care or preventive services may be missing. They're best used for short periods, like between jobs or while waiting for other coverage. Still, they don't offer the protections or full benefits of traditional insurance, making them a risky choice for ongoing or complex health needs. 4. Catastrophic Health Insurance Best for: People under 30 or those experiencing financial hardship who want significant protection in case of serious illness or injury. Health plans that cover catastrophes are meant to protect you from major medical bills , like those from a serious accident or illness, by covering most essential health benefits only after you meet a high deductible (often around $9,000). Until you reach that amount, you pay almost all costs out-of-pocket, except for three free primary care visits and certain preventive services. That's why they're considered protection for worst-case scenarios, not day-to-day care. These plans are only available to people under age 30, or to those of any age who are eligible for an exemption because of difficulty or lack of funds, meaning the cost of other coverage is too high based on your income or circumstances. What They Cover: Three primary care visits per year Essential health benefits (after the deductible is met) Preventive services (like vaccines and screenings) Emergency and hospital care 5. Discount Health Plans Best for: People who want savings on basic care but don't need full insurance coverage. Discount health plans are not insurance, but they offer reduced rates on healthcare services when you use participating providers. You pay a small monthly fee (usually $10–$30), and in return, you get lower prices on things like Primary Care Provider visits, dental cleanings, vision care, and prescription drugs. These plans work like a membership card. When you visit a provider in the network, you show your card and receive a pre-negotiated discount. There are no deductibles or claims to file, and approval is assured, no matter your health history. 6. Medicaid (If Eligible) Best for: Low-income individuals and families, especially children, pregnant women, seniors, and people with disabilities. Medicaid is a government-funded health program that provides free or low-cost coverage. It includes Primary Care Provider visits, hospital care, prescriptions, mental health services, and more. Each state runs its own Medicaid program, so income limits and benefits vary depending on where you live. Your income must be below a certain level to qualify. For example, in Texas, a single adult with no children may not qualify unless they are pregnant or have a disability, but children and pregnant women have broader eligibility. You can find out if you are eligible and apply through your state's Medicaid website or HealthCare.gov . If you qualify, Medicaid offers some of the most comprehensive and affordable coverage available. 7. Association Health Plans Best for: Self-employed people, freelancers, small business owners, and independent contractors. Association Health Plans (AHPs) let you join a group or trade association to access health insurance at group rates, similar to what larger companies offer their employees. These plans are often available through professional organizations, industry groups, or local chambers of commerce. Since they spread the risk over a bigger group of people, AHPs can lower premiums and offer more choices. They may include dental, vision, or even life insurance. However, benefits and availability vary by organization and state, and some plans may not cover all essential services. Before joining, make sure the association is legitimate and that the plan is regulated. AHPs can be a smart option, but read the fine print so you know what's included and what's not. 8. ACA Marketplace Plans with Subsidies Best for: Individuals and families with low to moderate income who want full coverage. The Affordable Care Act (ACA) Marketplace offers insurance plans that follow strict rules. All plans cover essential health services, including preventive care, mental health, and pre-existing conditions. If your income qualifies, you can get subsidies to lower your monthly premium, and many people can get a plan for $0 per month. For example, in 2025, individuals earning under about $58,000/year, or families of four earning under $120,000/year, may qualify for financial help. The amount depends on your income, family size, and location. Enrollment occurs during open enrollment (each fall) or if you have a qualifying life event , such as losing a job, moving, or getting married. ACA plans are a good option if you want full coverage with consumer protections, especially when combined with subsidies that make the cost much more manageable. Final Thoughts Healthcare shouldn't feel out of reach. Whether you're between jobs, self-employed, or just trying to find something that actually fits your budget, there are more options out there than you might think. From Direct Primary Care to discounted plans and income-based coverage, you have choices, and it's okay to explore what works best for you and your family. If you're in the USA and looking for simple, affordable healthcare with no insurance required, we're here to help. Learn more about our membership plans or contact us today . Your care should be accessible and stress-free, and that's exactly what we're here for. FAQs: Community Questions About Affording Healthcare 1. Why is U.S. healthcare so expensive? A big part of the cost comes from how the system is built. Hospitals, drug companies, and insurance providers all set their own prices, and those prices aren't always shared up front. There's also a lot of money spent on paperwork, billing, and administration, more than in other countries. In the end, it means patients pay more, even for basic services. The lack of price transparency and high markups on medications, labs, and procedures often lead to bills that don't match the actual cost of care. 2. What happens if you don't have health insurance in America? If you don't have insurance, you usually pay the full cost of care out of pocket, and it adds up fast. A simple Primary Care Provider’s visit could cost over $150, and an emergency room visit could cost thousands. Many people delay or skip care altogether, which can lead to worse health over time. While there's no longer a tax penalty for being uninsured, the real risk is financial; one major illness or injury could lead to debt or bankruptcy if you're not protected. 3. How do I get health insurance if I can't afford it? Start by checking if you qualify for Medicaid or a subsidized ACA plan; many people do and don't realize it. You can apply through HealthCare.gov, and the application will guide you through the process. If you don't qualify, other options like Direct Primary Care, discount plans, or health sharing ministries can still help you access affordable care. Look into local community clinics or public health programs, which sometimes offer free or sliding-scale services based on your income.

Open enrollment season is here, which means you’re staring at a stack of health insurance options, wondering which one will cost you the least while still giving you great care. Here’s the secret: the smartest plan might not be the most expensive one. Pairing the right insurance with Direct Primary Care (DPC) can save you a ton of money. Here’s how it works: Instead of paying for a high-cost, low-deductible insurance plan that you rarely use, choose a lower-premium, high-deductible plan for the “big stuff” like hospital stays, specialists, and emergencies. Let DPC handle your everyday care. At Impact Family Wellness, your DPC membership covers: Unlimited visits with your provider No copays, ever Same- or next-day appointments Extended visits so you actually have time to talk about your health Transparent pricing for labs, imaging, and medications That means you do not have to run every cough, ache, or prescription refill through your insurance. You get better access to care and you keep more money in your pocket. The game-changing news: Starting January 1, 2026 , you can use your Health Savings Account (HSA) to pay for your DPC membership. This is significant because it means your DPC fees can now be paid with pre-tax dollars, thereby lowering your taxable income while providing the care you need. How to set yourself up for maximum savings during open enrollment: Choose a high-deductible health plan (HDHP) that is HSA-eligible. Open or contribute to your HSA . This account allows you to pay for qualified medical expenses, including DPC memberships starting in 2026, using tax-free dollars. Sign up for DPC to enjoy unlimited access to your provider for one low monthly rate. Use insurance only when you need it such as for specialist visits, hospital care, or major procedures. Why it works: You stop overpaying for coverage you do not actually use and start paying for care that you can access anytime. It is the best of both worlds. Affordable, everyday healthcare from DPC and financial protection from insurance for the big stuff. This open enrollment, do not just pick a plan. Pick a strategy. DPC, combined with the right insurance and an HSA, is the ultimate combination for saving money and receiving the care you deserve.

It's common to leave the Primary Care Provider feeling rushed. You arrive with a list, but only discuss a few items. The rest are postponed or forgotten. That can be frustrating. You may wonder if your concerns are taken seriously. There's a reason this keeps happening, and it's not because your Primary Care Provider doesn't want to help. Most traditional healthcare systems are built around short visits, packed schedules, and billing rules that leave little room for in-depth conversations. Many Primary Care Providers are doing the best they can within a system that limits the time they can spend with each patient. In this article, we'll walk through why Primary Care Providers often can't cover everything in one visit, what they are required to share with you (and what they're not), and how the Direct Primary Care (DPC) model gives both patients and nurse practitioners more space to focus on what really matters: your health. Why Primary Care Providers Often Can't Cover Everything in One Visit It's easy to assume that Primary Care Providers can talk about all of your health worries at the same time. But in many cases, that's not how the system works. There are a few key reasons why. Time Constraints Most Primary Care Providers working in traditional healthcare systems are only given 10 to 15 minutes per patient . That short time includes listening to your concerns, asking questions, conducting an exam, explaining the next steps, and documenting your notes in your chart. If you mention issues like fatigue, a rash, and stomach pain, it's too much for a short visit. Primary Care Providers prioritize the most urgent concern and ask you to return for others. Systemic Pressures Many Primary Care Providers work in clinics operated by large health systems or insurance networks. These systems often require them to see a certain number of patients each day. Some Primary Care Providers see 20 to 30 people a day, which leaves little time to pause and have a deep conversation. There are also billing rules that determine what a Primary Care Provider can and cannot discuss during a single visit. Insurance plans typically only cover one issue at a time. If a Primary Care Provider tries to cover too much, the clinic may not get paid, or the patient might get a surprise bill. This structure puts Primary Care Providers in a tough spot. They have to balance patient care with rules they didn't create. Emotional Bandwidth Discussing health concerns, especially those that are serious or complex, requires focus and energy. If a patient presents with multiple problems simultaneously, it can be challenging to give each one the attention it deserves. Primary Care Providers also avoid causing confusion or anxiety. Dividing information into smaller talks helps patients understand and make more informed decisions. Legal Responsibility Primary Care Providers are expected to inform patients of important health information, especially when it affects their treatment. This is called informed consent . But that doesn't always mean covering every single concern in one visit. In some cases, Primary Care Providers may choose not to share information immediately if they believe the patient isn't ready to handle it or if it might cause harm. This idea is known as therapeutic privilege , and while it's rare, it is sometimes used in serious or sensitive situations. Still, most Primary Care Providers aim to be honest and open. They aim to provide patients with the information they need to make informed decisions about their care. Informed Consent vs. Information Overload Primary Care Providers have a duty to tell you important things about your health. This is called informed consent . It means you should get the information you need to make good choices about your care. For example, if your Primary Care Provider suggests a new test, medicine, or procedure, they should explain: What it is Why it needed What are the risks What other options might you have This helps you make a choice that feels right for you. But there's a limit to how much can be shared at once. If a Primary Care Provider tries to explain too many things in one visit, it can become confusing. You might leave unsure about what was said or what steps to take next. That's information overload , and it can actually make care harder. Primary Care Providers are trained to focus on what matters most at the time. If you have multiple health concerns, they may choose to discuss the most serious one first. That's not to ignore the others; it's to help ensure you fully understand each part of your care. Every good primary care provider works on this balance between sharing enough and not overwhelming the patient every day. In most cases, your primary care provider does not keep anything from you. They're just trying to break things down into clear, helpful steps so you feel supported, not rushed or confused. Learn more about informed consent in healthcare from this AMA Journal of Ethics article . Why You May Feel Dismissed, And What to Do About It Sometimes, even after seeing a Primary Care Provider, it can feel like your concerns weren't really heard. Maybe your symptoms were brushed off. Maybe you didn't get a clear answer. Or maybe you felt rushed and didn't get a chance to bring everything up. That can leave you feeling frustrated or unsure about what to do next. Why This Happens There are several reasons why this might happen, and they're not always due to the Primary Care Provider not caring. Short appointment times are a major factor. With only 10–15 minutes, there's pressure to move quickly. When time is up, Primary Care Providers must prioritize just one or two issues. This doesn't mean your other concerns don't matter; there just isn't time to discuss them all. Complex symptoms can also be difficult to diagnose in a single visit. If you're feeling tired all the time or experiencing pain that comes and goes, it may take more than one appointment, test, or referral to identify the root cause. This can feel like Primary Care Providers “don't know what's wrong” or aren't trying hard enough, but often, it just takes time. Bias in the system is another reason. Some patients, especially women, people of color, and those with chronic or invisible illnesses, may not feel fully listened to. Studies have shown that these groups are more likely to have their symptoms downplayed or misread. That's a serious issue, and it's one the healthcare system is still working to fix. What You Can Do You have a right to be heard, and there are a few ways to help your Primary Care Provider understand what you're going through: Write things down before your visit. Bring a short list of your top concerns. Try to stick to one or two main issues per appointment. Be clear and direct. Say what's bothering you in simple terms. Describe how long it's been happening and how it's affecting your daily life. Ask questions. If something doesn't make sense, say so. Ask, “What do you think is causing this?” or “What should I watch for?” Follow up. If you didn't get to discuss everything, please ask to schedule another visit soon. Some concerns take more than one conversation. Most Primary Care Providers want to help. However, they may be working within a system that restricts the amount they can accomplish in a single visit. Preparing ahead and speaking up can make a real difference in how your care feels and what you get out of it. How to Make the Most of a Single Visit If your Primary Care Provider works in a traditional clinic or through insurance, you're likely dealing with short appointment times and packed schedules. That can make it hard to feel like you're getting the care you need. While you can't always control how much time you get, there are a few ways to make your visit more effective and focused. 1. Pick Your Top 1–2 Concerns Before your visit, decide which issue bothers you most. A long list can't be covered in one session. Focusing on your top one or two concerns helps your Primary Care Provider provide more effective answers. You can say something like: "I have a few things going on, but the most important one for me today is the chest tightness I've been feeling." 2. Bring Notes or a Symptom Tracker It's easy to forget things once you're in the room. Writing down your symptoms ahead of time can be helpful. You might track: When the problem started How often does it happen What makes it better or worse How does it affect your daily life Even simple notes can help your Primary Care Provider understand what's going on and what to look for. 3. Ask for Clear Next Steps If your Primary Care Provider gives you information or advice, ask what the next steps are: Do I need a follow-up? Should I try a treatment first? What if my symptoms don't improve? Knowing what to expect after the visit helps you feel more in control and less confused. 4. Don't Be Afraid to Speak Up If you feel rushed or unsure, it's okay to say something. You can ask: “Can I schedule another visit to talk more about this?” “What can I do in the meantime?” You deserve to have your concerns taken seriously, even if everything can't be handled in one appointment. The Direct Primary Care Difference Many of the problems patients face in regular clinics stem from the way the system is structured: short visits, insurance regulations, and limited access. Direct primary care providers work differently. In direct primary care (DPC), you pay a monthly fee to your Primary Care Provider for each visit. With this model, Primary Care Providers can spend more time with each patient, focusing on urgent care . More Time With Your Primary Care Provider Direct primary care's Nurse Practitioners typically see fewer patients overall, allowing them to offer longer appointments, sometimes lasting 30 minutes, 45 minutes, or even longer. That extra time means you can: Talk about more than one issue. Ask questions without feeling rushed. Work through complex symptoms over time. There's more room for real conversation, and your Primary Care Provider has more time to think about your health in a deeper way. Easier Access When You Need It DPC members often get same-day or next-day visits, and many clinics offer texting, phone calls, or video chats with your Primary Care Provider. You don't need to wait weeks just to talk to someone. This type of access can help you avoid urgent care visits or ER trips for minor issues, such as infections, rashes, or questions about medications. You Deserve Better Healthcare Healthcare shouldn't leave you feeling rushed or unheard. You don't have to settle for care that feels one-sided or limited by time and billing rules. Direct primary care providers are changing the way care is delivered . With more time, easier access, and a stronger focus on your needs, the experience becomes more personal and less like a checklist.  If you or someone you care about feels overlooked in the traditional healthcare system, take a moment to learn more about membership at Impact Family Wellness . It might be the change you've been looking for.

Key Takeaways You don’t need insurance to access affordable care Telehealth services offer convenient, low-cost virtual visits for common issues Sliding scale and community clinics base their fees on your income Direct Primary Care (DPC) is a monthly membership model that gives you consistent access to a doctor for routine needs Cash-pay discounts are available at many doctors’ offices and labs Prescription discount programs like GoodRx and SingleCare can help reduce medication costs by 50-80% Nonprofit hospitals and local programs often provide financial assistance or charity care Alternative insurance options like catastrophic plans or short-term coverage can provide backup in case of major emergencies 7 Ways You Can Save on Medical Bills Healthcare costs in the United States are rising faster than incomes, and not just for major procedures or hospital stays. According to former Congressional Budget Office Director Peter Orszag , it’s the cost per patient, not just the number of patients, that is driving America's long-term fiscal crisis. Even within the same city, prices for identical medical services can vary dramatically. This unpredictability leaves many patients struggling to plan for or afford basic care. For people who are uninsured or underinsured, this often translates into skipped doctor visits, delayed treatment, and a fear of even routine care. A simple check-up or lab test can mean hundreds of dollars out-of-pocket, with no clear explanation of what’s included or what alternatives exist. Meanwhile, healthcare providers and hospitals are not incentivized to control prices or offer transparency, and patients are left to carry the burden without tools to navigate the system. While the system is far from perfect, there are practical ways to reduce your healthcare costs, some of which are overlooked entirely by traditional insurance plans. In the guide below, you’ll find seven smart strategies that can help you access affordable, reliable care without draining your savings. 1. Use Telehealth Services Telehealth, or virtual doctor visits, has become one of the easiest and most affordable ways to get care for common health issues. Whether you're dealing with a sore throat, a rash, a medication refill, or a follow-up question, many telehealth platforms connect you with licensed providers for a flat, transparent fee, and no waiting room. Some services charge as little as $15 to $40 per visit, and a few even offer free consultations through state programs, non-profits, or employer-sponsored health initiatives. Check HRSA.gov for local community health centers, many of which now provide free or low-cost virtual care. Tip: When signing up, make sure to check whether prices are for insured or self-pay patients. Many platforms clearly list both. 2. Look Into Sliding Scale and Community Clinics Community health clinics and “sliding scale” clinics offer medical services based on your income and ability to pay. That means you might pay $0 for a visit, or just a small fee, even without insurance. These clinics are designed specifically to serve people who are uninsured, underinsured, or struggling financially. Services can include: Primary care and check-ups Lab tests Vaccines and preventive care Women’s health and prenatal services Mental health and substance use counseling To find one near you, visit the HRSA Health Center Finder . This federal tool lists local clinics that receive government funding to keep care affordable. Many of these clinics also now offer telehealth appointments if you’re unable to visit in person. Tip: You’ll usually need to bring proof of income (like a pay stub or tax return), but staff can often help you gather what you need. 3. Consider Direct Primary Care (DPC) Direct Primary Care (DPC) is a different kind of healthcare model where you pay a flat monthly fee, often between $50-$100, for unlimited access to your primary care doctor. There are no surprise bills, no copays, and no dealing with insurance companies. Many DPC clinics offer: Same-day or next-day appointments Extended visits with your doctor Messaging or virtual consults at no extra cost Basic lab work is included or offered at deeply discounted rates Care for chronic conditions, preventive needs, and acute illnesses For someone without insurance, DPC can feel like having a doctor “on call” without the emergency room price tag. While it doesn’t replace insurance for hospital stays or major surgeries, it can significantly reduce the need for urgent care or specialist visits. You can search for DPC providers in your area using DPC Frontier’s mapper , such as Impact Family Wellness in Texas, which offers straightforward, transparent pricing explicitly designed for individuals and families without insurance. Tip: DPC works well alongside things like catastrophic insurance or short-term plans, giving you peace of mind for both routine and unexpected needs. 4. Ask About Cash-Pay Discounts Many doctors’ offices, labs, imaging centers, and even hospitals offer lower rates for self-pay patients, but you have to ask. When you’re not going through insurance, providers often skip the administrative costs and offer a discount just for paying at the time of service. Here’s what that might look like: A doctor’s visit that’s billed at $180 through insurance might cost only $80 or less for self-pay Bloodwork panels can often be done for $10-$50 at independent labs X-rays or ultrasounds can sometimes be arranged for a fraction of hospital pricing at stand-alone imaging centers You can also compare prices in advance using tools like: Healthcare Bluebook - Estimates fair prices for common procedures ClearHealthCosts - Crowd-sourced price data for medical services Quest Diagnostics - Offers direct-to-consumer lab test options at posted prices Tip: Always ask for an estimate before your visit and get it in writing when possible. This helps avoid unexpected charges later. 5. Use Prescription Discount Programs Prescription costs can add up quickly, but you don’t have to pay retail prices at the pharmacy. Several programs offer free or low-cost discount cards that can dramatically reduce the price of both brand-name and generic medications. Here are some trusted tools to try: GoodRx - Compare prices at nearby pharmacies and get printable or digital coupons SingleCare - Offers discounts on prescriptions, dental, and vision services NeedyMeds - Connects patients to medication assistance programs from drug manufacturers Cost Plus Drugs - Transparent pricing on hundreds of common medications, sold at cost plus a small markup You can often save 50-80% or more, especially on generic drugs. In some cases, using these discounts is cheaper than using insurance. Tip: When you get a prescription, ask your doctor if a generic version is available—it’s usually just as effective, but far more affordable. 6. Leverage Nonprofit Help and Local Aid Programs Many hospitals, nonprofit organizations, and even local governments offer financial assistance programs for people who can’t afford medical care. These programs aren’t always advertised, but they can cover large portions of hospital bills, specialist visits, medications, and even transportation to appointments. Start with your local hospital. Under federal law (known as IRS 501(r) regulations), nonprofit hospitals are required to offer financial assistance or “charity care” to patients who qualify. Even if you've already received care and have a bill, you may be able to apply for retroactive assistance to reduce or eliminate your balance. Other places to check: Local United Way - Connects you with community clinics, support services, and emergency aid State and county health departments - Many offer help with things like free immunizations, cancer screenings, and chronic disease management Tip: Ask to speak to a hospital’s financial counselor or billing department before or after a visit. Don’t assume you’re ineligible; many programs cover people with low income, even if they’re not on Medicaid. 7. Revisit Your Insurance Options—But Think Outside the Box According to a national survey cited in Psychiatric News , over one-third of insured adults still face medical debt, and many delay or skip necessary care due to high deductibles, denied claims, or surprise charges. In some cases, insurance didn’t pay for services people assumed were covered, or they had reached their plan’s limit without realizing it. If you’re uninsured, or if your plan feels too expensive to use, it may be time to explore non-traditional or supplemental options: Catastrophic or high-deductible plans - These typically have lower monthly premiums and are designed to cover worst-case scenarios like hospital stays or surgeries Short-term health plans - Limited but more affordable coverage for people between jobs or outside open enrollment Health care sharing ministries - Not insurance, but faith-based community cost-sharing models that help with larger expenses. Local Medicaid alternatives or indigent care programs - Some counties or states offer coverage-like assistance for low-income residents. These options aren’t perfect, and they’re not a replacement for comprehensive insurance, but when paired with low-cost care models like Direct Primary Care or community clinics, they can help fill in the gaps without breaking your budget. Tip: Use resources like HealthCare.gov to explore income-based plans, and ask clinics if they work with local financial assistance programs that help reduce your cost of care. Final Thoughts: Affordable Care Is Within Reach The high cost of healthcare can make it feel like you’re out of options, but the truth is, you’re not powerless. Whether you’re uninsured, underinsured, or simply trying to avoid another unexpected bill, there are ways to get the care you need without going broke. From sliding scale clinics to telehealth platforms, prescription discounts to community-based aid, these strategies exist to make healthcare more accessible and more predictable. And while traditional insurance can offer some protection, it’s not the only path to staying healthy. Pairing low-cost services like Direct Primary Care with other smart options can help you take control of your health without constant financial anxiety. The more you know about your options, the more confident you can feel taking that next step toward better, more affordable health.

Key Takeaways Mental health affects everyone , but minority groups often face more challenges in getting care due to stigma, cultural barriers, and limited access to services. Minority Mental Health Month was established to bring attention to these disparities and encourage action that leads to more equitable mental health support. Cultural beliefs, mistrust in the healthcare system, and lack of resources all contribute to gaps in care for racial, ethnic, and underserved communities. Native American and multiracial adults have some of the highest reported rates of mental illness , but underdiagnosis and access issues affect many groups. Solutions include raising awareness, promoting culturally competent care, improving access through integrated care models, and supporting inclusive policies. You can help by supporting advocacy organizations, sharing stories, learning about inclusive care, and participating in community events during Minority Mental Health Month.  Why Minority Mental Health Deserves Attention and Support Nearly 1 in 5 adults in the United States live with a mental illness each year, according to the National Institute of Mental Health (NIMH) . That number alone shows how common mental health struggles are. But what’s not always talked about is how different the experience can be for people in minority communities. Each July, Minority Mental Health Awareness Month is recognized to bring attention to these differences. The month was started in 2008 in honor of Bebe Moore Campbell, a writer and mental health advocate. She worked hard to raise awareness about how racial and cultural differences can make it harder to get mental health care. When we talk about “minority” in this context, we mean people that have historically had less access to resources and support. This includes: Racial and ethnic groups , like Black, Hispanic, Asian, and Indigenous communities Immigrants and refugees People who speak languages other than English Mental health affects everyone, but it doesn’t affect everyone in the same way. For minority groups, the challenges are often shaped by life experiences like discrimination, language barriers, or cultural beliefs. These factors can lead to more stress, fewer treatment options, or feeling uncomfortable talking about mental health at all. This is what we mean by minority mental health , the way mental health is experienced and treated within these groups. It includes not just the symptoms of conditions like depression or anxiety, but also the extra barriers many people face when trying to get care. Understanding these differences is a step toward creating more fair and supportive mental health systems for everyone. The Extra Challenges Some Minorities Face With Mental Health A. Cultural & Social Barriers In some cultures, talking about mental health is still seen as a sign of weakness. People might be told to keep things private or “tough it out.” This kind of stigma can make someone feel embarrassed or ashamed to seek help, even when they’re struggling. For example, Black communities in the U.S. have faced discrimination in healthcare for generations. Because of this, some people may be less likely to seek care, or feel unsure if they’ll be treated fairly when they do. B. Structural Disparities in Healthcare Even when someone is ready to get help, the system doesn’t always make it easy. Here are a few common barriers: Lack of bilingual or culturally aware providers – It’s not always easy to find a therapist who speaks your language or understands your culture. This can make it hard to explain what you’re feeling or trust that the provider really “gets it.” Limited or no insurance – Many people from minority groups are more likely to be uninsured, which makes it hard to afford mental health care. Underdiagnosis or misdiagnosis – Symptoms may look different across cultures. Without proper training, some providers might miss signs of mental health conditions, or label them incorrectly. Not enough providers in the area – In many communities, especially rural or low-income ones, there are not enough mental health professionals available. This makes the wait times longer and the access much harder. C. Socioeconomic Pressures Mental health doesn’t exist in a bubble, it’s deeply connected to a person’s life situation. Many minorities face higher rates of poverty, unemployment, or chronic illness. These ongoing stresses can increase the risk of anxiety, depression, or trauma. For immigrants and refugees, there can also be extra layers like language barriers, fear of deportation, or past trauma from war or displacement. Discrimination and racism, both daily and systemic, can also cause long-term emotional harm. All of these things make mental health challenges more likely, and getting care even harder. Which Minorities Groups Struggle the Most With Mental Health According to the most recent data from American Psychiatric Association , the group with the highest reported rate of mental illness in the U.S. is American Indian and Alaska Native adults, at approximately 26%. This number is especially concerning when combined with high rates of poverty, substance use, and suicide in these communities. Here’s a snapshot of the data on adults who reported experiencing any mental illness in the past year: White: About 23% report mental illness. Multiracial: Around 34%, which is also higher than the national average. Black: Around 17%. Hispanic/Latino: Roughly 18%. Asian: About 14%, the lowest reported rate. At first glance, it might seem like some groups have lower rates of mental illness. But those numbers may not reflect the full picture. Lower reported rates don’t always mean fewer people are struggling. In fact, they may reflect other issues: Underdiagnosis – Some symptoms may not be recognized or may be mistaken for something else. Access barriers – If people can’t get mental health care, they’re less likely to have a formal diagnosis. Stigma or fear – People in some communities may avoid seeking help due to fear, cultural beliefs, or past negative experiences. So, while the data gives us a starting point, it’s important to read it with care. Each group’s experience is shaped by many layers, from personal struggles to systemic issues. What Can Help Make Mental Health Care More Fair There are ways to make the system better, especially for communities who’ve been left out or overlooked. Making mental health care more fair means listening to what people need, removing barriers, and making sure support is available in a way that feels safe and respectful. Raise Awareness and Reduce Stigma One of the biggest steps is simply talking about mental health more openly. Campaigns like Make It OK and organizations like the Black Mental Health Alliance (BMHA) work to change how people think about mental health, helping communities understand that it’s okay to ask for help, and that mental illness is not a personal failure. When people hear others share their stories, it can break down fear and silence. Education helps everyone, including families, schools, and workplaces feel more confident in offering support and understanding. Train Providers in Culturally Competent Care Mental health professionals need to understand the values, language, and lived experiences of the people they’re trying to help. That’s where culturally competent care comes in. It means providers are trained to respect and respond to different backgrounds and beliefs, without making assumptions, like: Listening without judgment Offering care in a person’s native language (or having interpreters available) Understanding how trauma, racism, or community values affect mental health Providers who take the time to learn and grow in this way can build stronger trust and give better care. Bring Mental Health Into Primary Care Another helpful change is connecting mental health care with primary care , the type of everyday health visits people are already used to. When mental health is treated like any other part of health, it becomes easier to talk about and easier to access. Direct Primary Care (DPC) models are well-positioned to do this. By giving more time to each patient and building strong provider relationships, DPC allows mental and physical health concerns to be addressed together, in a more personal and low-pressure setting. Support Policy Changes That Increase Access Some changes need to happen at the system level. That includes pushing for: Mental health parity laws , so insurance plans must treat mental health the same as physical health Incentives to bring more providers into underserved areas, including rural or low-income communities More funding for school-based programs , community centers, and crisis care Support for mobile or telehealth services , which can make it easier for people to get help from wherever they are These policy changes take time, but they can make a big impact by expanding access and removing long-standing barriers. Supporting Minority Mental Health Month Minority Mental Health Month, recognized each July, is a time to pause, reflect, and take action. It’s a chance to highlight the mental health experiences of communities that often go unheard, and to support real steps toward equity in care. Share Stories That Need to Be Heard Listening to and sharing the voices of people from minority backgrounds helps bring awareness to real challenges, and real resilience. It may be a personal experience or a post from an advocacy group, sharing these stories (with permission and respect) helps reduce stigma and create understanding. It also reminds others that they’re not alone. Support Nonprofits Doing the Work There are many organizations working year-round to improve mental health access and support for underserved communities. A few to explore or donate to: NAMI (National Alliance on Mental Illness) – Offers education, support, and advocacy across the U.S. BMHA (Black Mental Health Alliance) – Focuses on culturally-relevant mental health care for Black communities Active Minds – Promotes mental health awareness, especially among students and young adults Even a small donation, a social media share, or volunteering time can make a meaningful impact. Advocate for More Inclusive Policies Advocating for more inclusive policies means calling for change in schools, workplaces, and communities to better serve people from all backgrounds. This can include supporting mental health education in public schools, pushing employers to offer mental health benefits that reflect the needs of diverse employees, and encouraging local leaders to invest in mental health services in underserved neighborhoods. Learn and Share What Culturally Competent Care Looks Like Culturally competent care means health providers understand and respect a patient’s background, values, and lived experiences. When providers are trained to offer this kind of support, patients are more likely to feel safe, heard, and willing to continue treatment. Learning about culturally competent care, and encouraging others to do the same, helps shift the focus toward more respectful and effective mental health practices for minority communities. Attend or Host an Educational Event Events are a great way to raise awareness and build understanding. Attending a local mental health workshop, panel discussion, or webinar during Minority Mental Health Month can help people learn more about the issues and how to be part of the solution. You can also organize your own event, even something simple, like a book discussion, community talk, or team lunch-and-learn. Conclusion: Mental Health Equity Is a Public Health Imperative For many minority communities, support is harder to find and sometimes not even offered in a way that makes sense for their lived experience. That needs to change. Equity in mental health means making sure everyone, no matter their background, has access to care that is respectful, affordable, and truly helpful. It means removing barriers and building a system that sees and serves the whole person. This change won’t happen all at once, but it starts with awareness, and grows through action. Talk about these issues with people around you. Share stories that need to be heard. Support policies and programs that bring care to those who’ve been left out. Everyone deserves to feel mentally well. Everyone deserves to be treated with dignity. And together, we can help build a future where that’s not the exception, it’s the norm.

In celebration of the dedication and compassion nurses bring to their patients and communities, Impact Family Wellness is proud to honor local nurses serving Cedar Park, Liberty Hill, and Thorndale. As a Direct Primary Care (DPC) practice founded and led by Family Nurse Practitioner Monica McKitterick, the clinic understands firsthand the impact nurses make in transforming everyday healthcare. “Our nurses are often the first to listen, the last to leave, and always the ones advocating for their patients,” said McKitterick. “At Impact Family Wellness, we’ve built our practice on those same principles—accessibility, trust, and care that goes beyond the chart. This recognition is just a small way to say thank you to the nurses who live those values every day.” Throughout this recent National Nurses Week and beyond, Impact Family Wellness is spotlighting nurses across its service areas through patient stories, staff highlights, and small tokens of appreciation. Whether in primary care, hospitals, schools, or home health, these nurses are often the backbone of a patient’s journey to wellness. Community members who want to show their support can consider: Participating in National Nurses Week events like “ Nurses Light Up the Sky ” to honor nurses' contributions. Volunteering at local clinics or hospitals to help lighten the load for nursing staff. Donating to nurse-focused fundraisers that support continuing education or wellness resources. Expressing gratitude through personal gestures —such as thank-you notes, care packages, or meals. Nurses align naturally with the DPC model because they prioritize building relationships, understanding patients’ unique needs, and providing timely, judgment-free care. In rural and suburban communities alike, their contributions help close gaps in the healthcare system—especially for those navigating chronic conditions or lacking access to affordable care. The team at Impact Family Wellness invites patients, families, and community members to join in recognizing the incredible nurses around them. Whether it’s a thank-you message, a shared memory, or a heartfelt compliment, every gesture counts in honoring the people who make healthcare more human. About Impact Family Wellness Impact Family Wellness is a Direct Primary Care (DPC) practice dedicated to providing personalized, patient-centered healthcare in Cedar Park, Liberty Hill, and Thorndale, Texas. Founded by Family Nurse Practitioner Monica McKitterick, the practice offers affordable, accessible care without the constraints of traditional insurance. Through the DPC model, patients receive direct access to providers, longer appointment times, and transparent pricing. For more information, visit impactfamilywellness.com/ .

During Men’s Health Month, Impact Family Wellness emphasizes the importance of preventive care in helping men take control of their long-term health. From annual physicals to mental health support, the clinic highlights essential screenings and services that can detect health issues early and support better outcomes.

Key Takeaway: Every man should make it a point to schedule these 15 key checkups: Annual Physical Exam Blood Pressure Screening Cholesterol Testing Diabetes Screening Colorectal Cancer Screening Prostate Cancer Screening Testicular Exam Lung Cancer Screening Mental Health Checkup Immunization Updates Eye & Vision Screening Dental Checkups Skin Cancer Screening Hormonal Health & Testosterone Testing Bone Density Test (DEXA Scan) For men, health needs shift with age, making it even more important to adopt preventive care practices tailored to each life stage. From managing blood pressure in your 20s to screening for chronic conditions after 40, each decade brings its own set of recommended evaluations. While many may feel fine, checkups are not just for when something feels wrong, but a reliable way to stay on top of long-term health. So, how often should men get checked out? At a minimum, a yearly visit with a primary care provider is recommended. This allows for consistent monitoring and the opportunity to adjust care based on changing health markers or lifestyle habits. 1. Annual Physical Exam The annual physical exam provides a comprehensive snapshot of overall wellness and helps build a lasting relationship with a healthcare provider. During this visit, doctors assess vital signs, review medical history, and often perform basic lab work to evaluate markers such as cholesterol and blood sugar. What Age Should A Man Get A Physical? Ideally, routine physicals should begin in the early 20s and continue yearly thereafter, even if no symptoms are present. Regular exams can identify subtle changes that might otherwise go unnoticed. How Much Does An Annual Physical Exam Cost? At Impact Family Wellness , this service is included in a membership that starts at $75 per month , which also covers unlimited office visits with no unexpected charges. This model removes common barriers to care and encourages consistent monitoring. 2. Blood Pressure Screening Blood pressure checks are a simple yet highly informative screening that can detect one of the leading contributors to heart disease: hypertension. High blood pressure often has no symptoms, which is why it's important to monitor it regularly—even for those who feel healthy. Men should begin having their blood pressure checked at age 20 , with annual follow-ups. If readings are elevated or there's a family history of heart conditions, more frequent checks may be necessary. Keeping blood pressure within the recommended range reduces the risk of heart attack, stroke, and kidney damage. 3. Cholesterol Testing High cholesterol can quietly increase the risk of cardiovascular issues. A standard lipid panel measures total cholesterol, LDL ("bad" cholesterol), HDL ("good" cholesterol), and triglycerides. These levels help determine whether lifestyle changes or medications are needed. Men should have their cholesterol levels tested every 4 to 6 years starting at age 20 , unless they have additional risk factors such as obesity, diabetes, or a family history of heart disease. In such cases, more frequent testing is often advised. Regular monitoring allows for early intervention and better long-term heart health outcomes. 4. Diabetes Screening Type 2 diabetes often develops gradually, making early detection through screening essential. Elevated blood sugar levels can cause damage to organs and nerves long before any symptoms appear. A fasting blood glucose test or A1C test is commonly used to assess risk. Screening is recommended every three years starting at age 35 , but men with additional risk factors—such as obesity, a sedentary lifestyle, or a family history of diabetes—may need to begin earlier and test more frequently. Identifying elevated glucose levels early allows for dietary and lifestyle changes that can delay or even prevent the onset of diabetes. 5. Colorectal Cancer Screening Colorectal cancer is one of the most preventable types of cancer when caught early through regular screening. A colonoscopy is considered the most effective method, as it not only detects cancer but can also remove polyps before they become problematic. At what age should a man get a colonoscopy? Current guidelines recommend beginning at age 45 for average-risk men. Those with a family history of colorectal cancer should consult their provider about starting even earlier. While colonoscopy remains the gold standard, there are less invasive alternatives like stool-based tests, which may be an option for those at lower risk or who prefer a non-invasive approach. 6. Prostate Cancer Screening Prostate cancer is one of the most common cancers among men, but it's often slow-growing and highly treatable when detected early. Screening typically involves a prostate-specific antigen (PSA) blood test, sometimes paired with a digital rectal exam (DRE). Most guidelines suggest starting at age 50 for average-risk men. However, those with a family history or who are part of higher-risk groups—such as African American men—may benefit from earlier testing. Discussing the benefits and risks with a healthcare provider can help determine the right time to begin screening. 7. Testicular Exam Although testicular cancer is relatively rare, it tends to affect younger men, particularly those between the ages of 15 and 35. Because of this, awareness and routine checks are important early in life. Doctors recommend monthly self-exams beginning in the late teens or early 20s. These help men become familiar with their normal anatomy, making it easier to notice any unusual lumps, swelling, or discomfort. In addition, testicular exams should be a part of routine physical checkups with a healthcare provider. 8. Lung Cancer Screening Lung cancer is the leading cause of cancer death globally, often because it’s diagnosed at a later stage. Fortunately, early detection through screening can significantly improve outcomes. Men between the ages of 50 and 80 who have a significant smoking history—defined as 20 pack-years or more—are recommended to undergo annual low-dose computed tomography (CT) scans . This painless scan can detect lung abnormalities before symptoms appear, providing a greater chance for effective treatment. Even for those who have quit smoking within the last 15 years, the risk may still be elevated, making regular screening a prudent choice. 9. Mental Health Checkup Mental health is just as important as physical well-being, yet it often goes unaddressed in routine care. Depression, anxiety, and chronic stress can quietly impact every aspect of life, from sleep and energy to work and relationships. An annual mental health checkup allows men to discuss emotional challenges and life stressors openly with a trusted provider. These visits may involve short screening questionnaires and supportive conversation, to identify early signs of conditions that might otherwise go unnoticed. Taking time to assess mental health can be a key part of managing overall well-being and preventing burnout or more severe emotional struggles. 10. Immunization Updates Vaccines aren’t just for children. Adults need to keep immunizations current to maintain protection against serious diseases. Depending on age, medical history, and previous vaccination status, men should stay up to date with: Influenza (flu) – every year Tetanus, diphtheria, and pertussis (Tdap) – every 10 years Shingles (herpes zoster) – starting at age 50 Human papillomavirus (HPV) – for those not vaccinated earlier COVID-19 – including any applicable boosters A healthcare provider can confirm which vaccines are needed based on personal risk factors and public health guidelines. 11. Eye & Vision Screening Maintaining eye health goes beyond just reading glasses. Eye exams can detect early signs of conditions like glaucoma, macular degeneration, and diabetic retinopathy—many of which present no symptoms in the early stages. Men under 40 should have a comprehensive eye exam every 2 to 4 years . After age 40 , the frequency should increase to once every 1 to 2 years , or more often if there are known vision problems or risk factors such as diabetes. 12. Dental Checkups Oral health plays a bigger role in overall wellness than many realize. Gum disease or periodontitis has been linked to heart conditions, diabetes, and even respiratory issues. Routine dental care helps prevent these complications and keeps teeth and gums healthy. It’s generally recommended that men schedule dental checkups twice a year . These visits typically include professional cleanings, examinations for cavities, and screenings for oral cancer. Staying current with dental appointments can help avoid more complex and costly issues down the line. 13. Skin Cancer Screening Skin cancer is one of the most common cancers in men, particularly those with lighter skin tones or high sun exposure . Fortunately, it’s also among the most treatable—especially when detected early. A yearly full-body skin exam by a dermatologist is advised. During the exam, providers check for any suspicious moles, lesions, or skin changes that could indicate melanoma or other types of skin cancer. Men should also perform regular self-checks and report anything unusual between appointments. 14. Hormonal Health & Testosterone Testing As men age, hormone levels—especially testosterone—can begin to decline. This may affect mood, energy, sex drive, and muscle mass. Common signs of low testosterone in men include low libido, persistent fatigue, irritability or depression, and decreased muscle strength. Testosterone testing is generally recommended for men over 40 experiencing these symptoms or for those undergoing a routine health assessment where hormonal balance may be relevant. Simple blood tests can evaluate testosterone levels, and results help guide further treatment or lifestyle recommendations if needed. Testosterone therapy is available to supplement the natural decline of testosterone levels as men age. 15. Bone Density Test (DEXA Scan) Osteoporosis isn’t just a women’s health issue—men can also experience bone density loss, especially after age 50 . Factors like low testosterone, smoking, or long-term use of certain medications can increase risk. A DEXA scan (dual-energy X-ray absorptiometry) measures bone strength and helps detect early signs of osteoporosis. While it’s not always part of standard screenings, it should be considered for men with risk factors or those over 50 who show signs of bone weakness, such as frequent fractures or unexplained back pain. Regular bone assessments help prevent fractures and maintain long-term mobility and quality of life. Take Charge Of Your Health Today Taking control of your health starts with being informed and proactive. These 15 checkups are the foundational steps toward preventing illness and maintaining long-term well-being. Whether you're scheduling your first annual physical or updating essential screenings, each choice supports a healthier future. For personalized, affordable, and convenient care, consider becoming a member at Impact Family Wellness , where comprehensive medical services are tailored to your needs. Don’t wait— schedule a checkup today ! FAQs About Men’s Health Checkups What Are The Most Important Health Screenings For Men In Their 20s And 30s? While younger men may feel healthy, it's important to monitor blood pressure, cholesterol, mental health, and start discussions about family history to assess risks early. Are Virtual Health Checkups Effective For Routine Monitoring? Yes, a study notes that telehealth can be as useful for reviewing symptoms, mental health consultations, and managing chronic conditions as physical exams do , though some screenings still require in-person visits. How Can Men Prepare For Their Annual Checkup? Bring a list of symptoms, medications, family history updates, and lifestyle changes. Wear comfortable clothing and prepare to discuss mental, sexual, and physical health openly.

Key Takeaways: Texas has reported an increase in measles cases in 2025 , with confirmed outbreaks in multiple counties. Koplik spots and flu-like symptoms often appear before the measles rash and can aid in early detection. Two doses of the MMR vaccine provide strong protection , with about 97% effectiveness. Vitamin A may be used during treatment to reduce complications in children with measles. Unvaccinated individuals exposed to measles may be required to quarantine for up to 21 days.