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The Value of Having a Primary Care Doctor

Do you want to live longer; enjoy better health; avoid unnecessary emergency room visits, hospitalizations and surgeries; and pay lower health care costs? I surmise that for nearly everyone, the answer is “yes.” Each of these goals can be attained through a relationship with a primary care doctor. Primary care doctors provide accessibility as your first contact with the health care system; accountability, addressing the vast majority of your health care needs; and coordination of care across settings, integrating your acute and chronic needs and guiding access to focused specialty care when needed. They promote health and prevention, and strive to develop a sustained partnership and personal relationship with you.

What may seem like a myriad of roles and responsibilities are actually the basic tenets of a typical primary care practice. As an example, just last week in my family medicine office, I treated patients from two weeks of age to 98 years of age. I partnered with my patients to help control their chronic conditions, including diabetes, coronary artery disease, asthma, hypertension, obesity and depression. I saw patients with acute issues such as back pain, sinusitis, asthma exacerbations, shingles, swollen knees and urinary tract infections. I assisted a patient in deciding the most appropriate treatment option for her newly diagnosed breast cancer, and helped another patient and his family transition to hospice care. I drained an abscess and froze a wart. I directed patients to specialty care when appropriate and tried to choose the right specialist for each patient. And I performed annual wellness exams and well-child visits. Throughout, I encouraged healthy lifestyles and verified that my patients were up-to-date on immunizations and health screenings. Similar to many primary care practices, my patients and I are supported by a dedicated team of nurse practitioners, nurses and medical assistants.

The Institute of Medicine defines primary care as “the provision of integrated, accessible health care services by clinicians who are accountable for addressing a large majority of personal health care needs, developing this extended partnership with patients and practicing in the context of family and community.” Studies show that in states and areas of our country where there is more primary care, health outcomes are superior at a lower cost. People are less likely to be hospitalized, and there are lower death rates for cancer, heart disease and stroke. There are lower infant mortality rates, higher birth weights and higher immunization rates. Internationally, the United States has the most expensive health care system in the world, spending more money per capita than any other country. Sadly, however, according to the World Health Organization, the United States ranks only 24th in health care outcomes among industrialized countries around the world. Those countries with better health care outcomes are more focused on primary care with more primary care doctors per capita, providing better access and directing their patients through their health care system. Some of these countries achieve better outcomes at half our cost! To further underscore the value of primary care, it is estimated that one primary care doctor per 10,000 people in the U.S. can decrease hospital admissions by 5.5 percent, emergency room visits by 11 percent and surgeries by 7 percent.

Primary care doctors treat people, not diseases, with comprehensive, continuous and compassionate care and will be your advocate and guide through the health care system. Find a primary care doctor with whom you feel comfortable talking and sharing your concerns. That doctor-patient partnership will help you live longer and enjoy better health.

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The Value of Having a Primary Care Doctor originally appeared on usnews.com

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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