No More Profiteering off of Sick Patients! Excellent Primary Care, Free for All Americans!
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Our name says what we do. Primary physician partners insure our patients - is what we do. It is our name. Primary physicians have partnered to write health insurance for the individuals and families in their practices. When physicians accept some financial responsibility for their patients' medical outcomes, it aligns the physician interest perfectly with their patients. They both have the same objectives: the best medical product at the best price.

No. This opportunity is only available to independent PCPs. If you are currently owned by one of the "bigs" please consider going back into your own private practice. We can help.

It is the money, stupid! Hospital conglomerates have snapped up primary care physician practices to control the referral flow, ensuring there are always heads in beds. Likewise, insurance companies have been snapping up primary care practices for hundreds of millions of dollars annually. Insurance companies are better able to control the money flow when they control the primary care doctor. With the PCP on the 'team,' the insurance company is better able to control the money flow. Today, fully 70% of primary care physician practices are no longer in the PCP's control.

We think the primary care doctor and the patient are natural allies. They need to stick together; otherwise, they both suffer. Insurance companies, large hospital conglomerates, and private and public equity firms have cut physicians and patients from their secret price negotiations. There has been no discussion of quality at any price between insurance companies and hospitals. PC practices owned by the hospital must refer patients to the hospital even without knowing the value of hospital experience. And, of course, the patient has no say in the cost. Insurance companies and public and private equity firms write the rules for their physicians. Secret negotiations leave the two most influential people in healthcare, the physician and the patient, out of the critical decisions of the price equation. By giving the physician an incentive to look at and control costs, 3PI physicians, independent of private or public equity or the hospital conglomerates, have the most influential job of anyone in healthcare. That is, to check the prices and assess the value received. Hence our aspirational goal (BHAG) and rallying call!

"No more Profiteering Off  Sick Patients!

EXCELLENT Primary Care, FREE for all Americans!

The healthcare system, particularly insurance companies, undervalues primary care physicians. When physicians own the insurance company, they change healthcare. No longer are they treated as interchangeable with PAs and NPs. Instead, their proper place is recognized. They are the leaders and managers of healthcare. PCPs are the only ones who can make a difference in healthcare cost outcomes. When they trim an estimated $2 trillion annually off of healthcare total cost, they will get paid for that service and, at the same time, save their patient's financial condition and the nation's economy. With such savings also comes EXCELLENT, Primary Care! FREE for all Americans! And with significant responsibilities come great rewards! You have great responsibilities when you control the referral flow and the money flow. Not only will you have adoration from your patients and America, but you will have higher income and wealth from being able to build a profitable insurance business along with your practice.

Patients get free or near-free primary care which generally provides 80% of their total healthcare needs. Patients also get Excellent healthcare because physicians who are financially responsible for the healthcare outcome are the ideal partner to lower costs and get the best care experience. Of course, this means prevention. But it also means early intervention and treatment to complete resolution. In addition, the PCP's care team manages the healthcare network, making it navigable. This better experience satisfies the consumer. Likewise, the care team is much less forgiving than an individual patient for a poor care experience.

Yes. It is a particular type of insurance company. It is a segregated cell captive insurance entity. The best way to understand this is to go through the name in reverse. It is an insurance entity regulated and audited by the state. It is a captive. A Captive is a description of ownership. The company is owned exclusively by PCPs, who have some of their patients enrolled. In short, 3P.Insure owners are only primary care physicians who have patients in this enterprise. Our primary care physicians choose to go at risk with their patients and participate in this model. The term segregated cell means each physician's responsibility is primarily to their cell, read 'patients.' The physician participates in overhead costs and other shared costs of the entity, like reinsurance. Reinsurance is simply insurance for insurance companies.

Insurance companies run today's healthcare primarily because they control the money flow through premiums they ultimately collect from patients. Unfortunately, insurance companies believe that once they receive payments, they belong to them. They use them for high profits enjoyed by investors and outrageous executive pay. Unfortunately, insurance companies profit more when they collect more significant premiums. So their goal is not to lower the cost of healthcare; their goal is to raise the cost of healthcare in a controlled fashion. On average, for the last 40 years, that rising rate has averaged 1.7% over the inflation rate. For example, if the inflation rate was 5%, then the rate of healthcare inflation, as reflected in the rising rate in health insurance premiums, was about 6.7%. At least, as telling as this is, there has never been a year when the inflation rate for healthcare insurance premiums has been less than the inflation rate in the same year. Coincidence?

Our doctors believe you can do better medicine when you get paid to prevent, intervene early, and complete the treatment. Physicians are tired and burned out from bending over to the playbook of the insurance companies, which is to delay, deny, or down code. It puts them on a treadmill of seeing patients every eight minutes. Or seeing a patient for two visits and then referring them out because they can't spend enough time with them to get to the root cause. The patient is not happy with this, just ask. But neither is the physician as the rate of burnout and physician suicides indicate. Physicians want a better plan! 3PI is a solution! So our program arranges the incentives to get the best outcomes at the best price, which patients and physicians both desire. The only people who lose in our model are the insurance companies who have taken physicians for granted over the last 40 years and are now ready to replace them with physician look-alikes- nurse practitioners and physician assistants. We do believe in a care team as the correct approach. But they have to be led by a physician. There is too much difference in the total experience and training to allow or believe that you're getting the same care with physician look-alikes.

It's hard to determine, but we estimate $2 trillion annually. (See Singapore Comparison below.) At a minimum, we can save the waste currently in the healthcare epicenter that is determined to be salvageable, $250+ Billion annually. Or 1/4 Trillion/year. CONCLUSIONS AND RELEVANCE of this review are based on six previously identified domains of healthcare waste, the estimated cost of waste in the US healthcare system ranges from $760 billion to $935 billion, accounting for approximately 25% of total healthcare spending, and the projected potential savings from interventions that reduce waste, excluding savings from administrative complexity, ranged from $191 billion to $286 billion, representing a possible 25% reduction in the total cost of waste. Implementing effective measures to eliminate waste represents an opportunity to reduce the continued increases in US health care expenditures.

Comparison to Singapore. $2 Trillion/ year Our estimate of $2 trillion a year is based on a three-part program modeled after Singapore's healthcare system. The first part of this healthcare model is to modify HSAs to be tax-advantaged.

Changing HSAs has multiple positive points and virtually no negative points. When people decide that this is important, they will make this happen in Congress. Until then, Congress will continue to take billions annually from the most profitable lobby globally, bar none: the US healthcare lobby. The second part is the 3PI model. Our model requires no legislation and no special rights or privileges. It simply puts the priorities of the patient and the physician into proper alignment. When the patient and the physician have similar medical and financial objectives, the best medical outcome at an affordable price, the patient receives the best healthcare value. And the physician gets paid to prevent and treat early and resolve the problem. Now the system is without financial barriers. The third part of this three-part system is to make the system self-sustaining. That is to return some savings into the design of higher education for doctors and make primary care FREE for all Americans. The 3 part healthcare system described above is very similar to the healthcare model in Singapore.

Singapore has the highest life expectancy in the world. Therefore, Singaporeans have a more effective system for eliminating and treating chronic diseases. Patients seeking care have no barriers to entry and no barriers to complete treatment. This model changes the incentives from fear of financial ruin to early access. When the PCP has financial liability for the future costs, there is a mandate to see patients when the needs are risk factors and not devastating health situations. Like managing pre-diabetes instead of amputations. Singapore spends approximately 4% of its GDP on healthcare. The US pays close to 20% of its GDP on healthcare. Even if our costs were 50% higher than Singapore's, the savings would still amount to an overall savings of approximately $2T less than we currently spend. Even the higher amount leaves more than enough to provide free primary care for every working American.

The cost of healthcare, according to CMS, is going up to an estimated $6.8 T by 2030, so our estimated savings could be meager. However, in less than a decade, our programs addressing the costs of chronic illness should be fully engaged. Not only could we get a healthier cohort, but based upon the higher estimated expenditures for that time frame, we could be approaching savings of $3 trillion annually.

Docs - Learn. Review the website. Read the e-book. Watch the webinar. Then sign a Non-Binding Letter of Intent (NBLOI). (more below) 

Teach your spouse, advisors, and colleagues about the opportunity. Then get on a call with one of our leaders and ask any questions you have. When you are sure about the opportunity, sign a Letter of Participation. (LOP, i.e., a contract)

Patients - Introduce your PCP. If that doesn't work, we will soon have a participating PCP in your area. So sign up and let us go to work.

Absolutely! But only if you want better, less expensive healthcare. Remember, this program gives you free primary care and will make your physician your partner, not just a paid advisor. We want you to let them know what you understand and point them to the website. We will take it from there.

NON-BINDING Letter of Intent. (NBLOI explained)

We have secured ~$5M in bank financing for the 1st 100 docs.  While there is a reasonable chance that there will be financing for everyone is not guaranteed at this point. So there is a wait list. That list is the NBLOI. When you sign the NBLOI you will be on the waitlist in the order that you signed up. If you are in the 1st 100 and interested in financing, when we ask for your signed Letter of Participation (LOP) and funds, then you will sign a separate document that authorizes us to get your money from the bank.