{"id":6438,"date":"2025-12-20T13:43:10","date_gmt":"2025-12-20T18:43:10","guid":{"rendered":"https:\/\/wholepedsg.com\/?page_id=6438"},"modified":"2026-03-13T00:17:04","modified_gmt":"2026-03-13T05:17:04","slug":"dpc","status":"publish","type":"page","link":"https:\/\/wholepedsg.com\/es\/dpc\/","title":{"rendered":"P\u00e1gina de informaci\u00f3n del DPC"},"content":{"rendered":"\t\t
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\n\t\t\t\t\t\n\n\n \n \n Direct Primary Care Explained | Whole Pediatrics Group<\/title>\n <link href=\"https:\/\/fonts.googleapis.com\/css2?family=DM+Serif+Display:ital@0;1&display=swap\" rel=\"stylesheet\">\n <style>\n * { margin: 0; padding: 0; box-sizing: border-box; }\n body { font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, sans-serif; line-height: 1.6; color: #333; }\n .container { max-width: 1200px; margin: 0 auto; padding: 0 20px; }\n .hero { background: linear-gradient(135deg, #f8f9fa 0%, #e9ecef 100%); color: #0D3B66; padding: 80px 20px; text-align: center; border-bottom: 4px solid #FF7F50; }\n .pill-badge { display: inline-block; background: #FF7F50; color: white; padding: 8px 20px; border-radius: 25px; font-size: 0.9rem; font-weight: 600; margin-bottom: 20px; }\n .hero h1 { font-size: 48px; font-family: 'DM Serif Display', Georgia, serif; font-weight: 400; margin-bottom: 15px; line-height: 1.2; color: #0D3B66; }\n .hero p { font-size: 20px; margin-bottom: 20px; color: #666; }\n .location-pill { display: inline-block; background: linear-gradient(135deg, #0D3B66 0%, #0a2d4d 100%); color: white; padding: 10px 24px; border-radius: 999px; font-size: 14px; font-weight: 500; box-shadow: 0 2px 8px rgba(13, 59, 102, 0.3); }\n .simple-explanation { background: #f8f9fa; padding: 60px 20px; text-align: center; }\n .simple-explanation h2 { font-size: 2rem; color: #0D3B66; margin-bottom: 30px; }\n .analogy-box { background: #fff8f0; padding: 40px; border-radius: 12px; border: 3px solid #d4a574; box-shadow: 0 4px 6px rgba(212, 165, 116, 0.15); max-width: 800px; margin: 0 auto 40px; }\n .analogy-box h3 { color: #8b6f47; font-size: 1.5rem; margin-bottom: 15px; }\n .analogy-box p { font-size: 1.1rem; line-height: 1.8; color: #333; }\n .key-difference { background: #ffe4e1; border: 3px solid #FF7F50; border-radius: 12px; padding: 30px; max-width: 800px; margin: 0 auto; box-shadow: 0 2px 8px rgba(255, 127, 80, 0.15); }\n .key-difference h3 { font-size: 1.3rem; margin-bottom: 10px; color: #d65a2e; font-weight: 700; }\n .key-difference p { font-size: 1.1rem; color: #333; line-height: 1.8; }\n .stats-section { background: #f8f9fa; padding: 60px 20px; }\n .stats-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(250px, 1fr)); gap: 30px; max-width: 1200px; margin: 0 auto; }\n .stat-card { padding: 30px; border-radius: 12px; text-align: center; transition: transform 0.3s ease, box-shadow 0.3s ease; }\n .stat-card:hover { transform: translateY(-3px); }\n .stat-card:nth-child(odd) { background: #fff8f0; border: 3px solid #d4a574; box-shadow: 0 2px 8px rgba(212, 165, 116, 0.15); }\n .stat-card:nth-child(odd):hover { box-shadow: 0 6px 16px rgba(212, 165, 116, 0.25); }\n .stat-card:nth-child(even) { background: #ffe4e1; border: 3px solid #FF7F50; box-shadow: 0 2px 8px rgba(255, 127, 80, 0.15); }\n .stat-card:nth-child(even):hover { box-shadow: 0 6px 16px rgba(255, 127, 80, 0.25); }\n .stat-number { font-size: 3rem; font-weight: bold; margin-bottom: 10px; }\n .stat-card:nth-child(odd) .stat-number { color: #8b6f47; }\n .stat-card:nth-child(even) .stat-number { color: #d65a2e; }\n .stat-label { font-weight: 600; }\n .stat-card:nth-child(odd) .stat-label { color: #0D3B66; }\n .stat-card:nth-child(even) .stat-label { color: #0D3B66; }\n .comparison-section { padding: 80px 20px; background: white; }\n .comparison-section h2 { font-size: 2rem; color: #0D3B66; text-align: center; margin-bottom: 50px; }\n .comparison-table { max-width: 1000px; margin: 0 auto; background: white; border-radius: 12px; overflow: hidden; box-shadow: 0 8px 20px rgba(0,0,0,0.1); }\n .table-header { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 0; }\n .table-header > div { padding: 25px 20px; text-align: center; font-weight: 600; }\n .header-label { background: #f8f9fa; color: #666; font-size: 0.9rem; display: flex; align-items: center; justify-content: center; }\n .header-traditional { background: #e9ecef; color: #0D3B66; }\n .header-traditional h3 { font-size: 1.1rem; margin-bottom: 5px; }\n .header-traditional p { font-size: 0.85rem; font-weight: 400; color: #666; }\n .header-dpc { background: linear-gradient(135deg, #0D3B66 0%, #1a5490 100%); color: white; }\n .header-dpc h3 { font-size: 1.1rem; margin-bottom: 5px; color: white; text-shadow: 0 2px 4px rgba(0,0,0,0.3); font-weight: 700; }\n .header-dpc p { font-size: 0.85rem; font-weight: 400; color: white; text-shadow: 0 1px 2px rgba(0,0,0,0.2); }\n .table-row { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 0; border-bottom: 1px solid #e9ecef; }\n .table-row:last-child { border-bottom: none; }\n .table-row > div { padding: 20px; }\n .row-label { background: #f8f9fa; font-weight: 600; color: #0D3B66; display: flex; align-items: center; font-size: 0.95rem; }\n .row-traditional { background: white; display: flex; align-items: center; justify-content: center; text-align: center; color: #666; }\n .row-dpc { background: #fff5f0; display: flex; align-items: center; justify-content: center; text-align: center; color: #0D3B66; font-weight: 500; border-left: 4px solid #FF7F50; }\n .checkmark { color: #28a745; font-size: 1.5rem; font-weight: bold; }\n .xmark { color: #dc3545; font-size: 1.5rem; font-weight: bold; }\n .cost-comparison-section { padding: 80px 20px; background: linear-gradient(135deg, #f8f9fa 0%, #e9ecef 100%); }\n .calculator-container { max-width: 900px; margin: 3rem auto 4rem; background: white; border-radius: 16px; box-shadow: 0 8px 24px rgba(0,0,0,0.15); overflow: hidden; }\n .calculator-header { background: linear-gradient(135deg, #0D3B66 0%, #1a5490 100%); color: white; padding: 40px 30px; text-align: center; }\n .calculator-header h2 { font-size: 2rem; margin-bottom: 10px; font-weight: 700; color: white; }\n .calculator-header p { font-size: 1.1rem; opacity: 0.95; color: white; }\n .calculator-body { padding: 40px 30px; }\n .input-section { margin-bottom: 35px; }\n .section-title { font-size: 1.3rem; color: #0D3B66; margin-bottom: 20px; font-weight: 700; display: flex; align-items: center; gap: 10px; }\n .input-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 25px; }\n .input-group { display: flex; flex-direction: column; }\n .input-group label { font-size: 0.95rem; color: #374151; margin-bottom: 8px; font-weight: 600; }\n .input-group input, .input-group select { padding: 5px 15px; border: 2px solid #e5e7eb; border-radius: 8px; font-size: 1rem; transition: all 0.3s ease; background: white; cursor: pointer; }\n .input-group input { cursor: text; }\n .input-group select { padding-right: 50px; }\n .input-group input:hover, .input-group select:hover { border-color: #FF7F50; box-shadow: 0 0 0 3px rgba(255,127,80,0.1); }\n .input-group input:focus, .input-group select:focus { outline: none; border-color: #FF7F50; box-shadow: 0 0 0 3px rgba(255,127,80,0.15); }\n .input-group .hint { font-size: 0.85rem; color: #FF7F50; margin-top: 5px; font-style: normal; font-weight: 500; }\n .children-inputs { margin-top: 20px; padding: 20px; background: #f9fafb; border-radius: 8px; border: 2px solid #e5e7eb; }\n .child-input { display: flex; align-items: center; gap: 15px; margin-bottom: 15px; }\n .child-input:last-child { margin-bottom: 0; }\n .child-input label { font-size: 0.95rem; color: #374151; font-weight: 600; min-width: 80px; }\n .child-input select { flex: 1; padding: 4px 40px 10px 12px; border: 2px solid #e5e7eb; border-radius: 8px; font-size: 0.95rem; }\n .calculate-btn { width: 100%; padding: 18px; background: linear-gradient(135deg, #FF7F50 0%, #ff9970 100%); color: white; border: none; border-radius: 12px; font-size: 1.2rem; font-weight: 700; cursor: pointer; transition: all 0.3s ease; margin-top: 30px; box-shadow: 0 4px 12px rgba(255,127,80,0.3); }\n .calculate-btn:hover { transform: translateY(-2px); box-shadow: 0 6px 20px rgba(255,127,80,0.5); }\n .results-container { margin-top: 40px; padding: 35px; background: linear-gradient(135deg, #e8f2f7 0%, #d4e8f0 100%); border-radius: 12px; border: 3px solid #0D3B66; display: none; }\n .results-container.show { display: block; animation: slideIn 0.5s ease; }\n @keyframes slideIn { from { opacity: 0; transform: translateY(20px); } to { opacity: 1; transform: translateY(0); } }\n .results-title { font-size: 1.5rem; color: #0D3B66; text-align: center; margin-bottom: 25px; font-weight: 700; }\n .cost-comparison { display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px; margin-bottom: 25px; }\n .cost-box { background: white; padding: 25px; border-radius: 12px; text-align: center; box-shadow: 0 2px 8px rgba(0,0,0,0.1); }\n .cost-box.traditional { border: 3px solid #dc3545; }\n .cost-box.dpc { border: 3px solid #28a745; }\n .cost-box .label { font-size: 0.95rem; color: #6b7280; margin-bottom: 10px; font-weight: 600; }\n .cost-box .amount { font-size: 2rem; font-weight: 700; margin-bottom: 5px; }\n .cost-box.traditional .amount { color: #dc3545; }\n .cost-box.dpc .amount { color: #28a745; }\n .cost-box .detail { font-size: 0.85rem; color: #6b7280; }\n .savings-banner { background: linear-gradient(135deg, #28a745 0%, #20c997 100%); color: white; padding: 25px; border-radius: 12px; text-align: center; box-shadow: 0 4px 12px rgba(40,167,69,0.3); }\n .savings-banner .label { font-size: 1rem; margin-bottom: 8px; opacity: 0.95; }\n .savings-banner .amount { font-size: 2.5rem; font-weight: 700; text-shadow: 0 2px 4px rgba(0,0,0,0.2); }\n .savings-banner .subtext { font-size: 0.9rem; margin-top: 8px; opacity: 0.9; }\n .breakdown { margin-top: 25px; padding: 20px; background: white; border-radius: 8px; }\n .breakdown h4 { font-size: 1.1rem; color: #0D3B66; margin-bottom: 15px; font-weight: 700; }\n .breakdown-item { display: flex; justify-content: space-between; padding: 10px 0; border-bottom: 1px solid #e5e7eb; font-size: 0.95rem; }\n .breakdown-item:last-child { border-bottom: none; }\n .breakdown-item .item-label { color: #374151; }\n .breakdown-item .item-value { font-weight: 600; color: #0D3B66; }\n .faq-section { padding: 80px 20px; background: white; }\n .faq-section h2 { font-size: 2rem; color: #0D3B66; text-align: center; margin-bottom: 50px; }\n .faq-container { max-width: 800px; margin: 0 auto; }\n .faq-item { margin-bottom: 15px; border: 1px solid #e9ecef; border-radius: 8px; overflow: hidden; }\n .faq-question { background: #f8f9fa; padding: 20px; cursor: pointer; display: flex; justify-content: space-between; align-items: center; transition: background 0.3s; }\n .faq-question:hover { background: #e9ecef; }\n .faq-question h3 { font-size: 1.1rem; color: #0D3B66; font-weight: 600; margin: 0; flex: 1; }\n .faq-toggle { font-size: 1.5rem; color: #FF7F50; font-weight: bold; margin-left: 15px; }\n .faq-answer { max-height: 0; overflow: hidden; transition: max-height 0.3s ease; background: white; }\n .faq-answer.active { max-height: 500px; }\n .faq-answer-content { padding: 20px; color: #555; line-height: 1.8; }\n .final-cta { background: linear-gradient(135deg, #0D3B66 0%, #1a5490 100%); color: white; padding: 80px 20px; text-align: center; }\n .final-cta h2 { font-size: 2rem; margin-bottom: 20px; color: white; font-weight: 700; }\n .final-cta p { font-size: 1.2rem; margin-bottom: 30px; color: white; opacity: 0.95; }\n .cta-buttons { display: flex; gap: 15px; justify-content: center; flex-wrap: wrap; }\n .btn { display: inline-block; padding: 15px 35px; border-radius: 30px; text-decoration: none; font-weight: 600; font-size: 1rem; transition: all 0.3s; border: 2px solid transparent; }\n .btn-primary { background: #FF7F50; color: white; }\n .btn-primary:hover { background: #ff6a38; transform: translateY(-2px); box-shadow: 0 6px 20px rgba(255,127,80,0.5); }\n .btn-secondary { background: white; color: #0D3B66; }\n .btn-secondary:hover { background: #f8f9fa; transform: translateY(-2px); box-shadow: 0 6px 20px rgba(13,59,102,0.2); }\n @media (max-width: 900px) { .input-grid { grid-template-columns: 1fr; } .cost-comparison { grid-template-columns: 1fr; } .child-input { flex-direction: column; align-items: flex-start; } .child-input label { min-width: auto; } .child-input select { width: 100%; } }\n @media (max-width: 768px) { .hero h1 { font-size: 32px; } .hero p { font-size: 18px; } .pill-badge { font-size: 0.85rem; padding: 6px 16px; } .location-pill { font-size: 13px; padding: 8px 20px; } .table-header, .table-row { grid-template-columns: 1fr; } .header-label { display: none; } .row-label { background: #0D3B66; color: white; justify-content: center; text-align: center; padding: 15px; } .header-traditional, .header-dpc { border-bottom: 2px solid white; } .analogy-box { padding: 25px; } .stat-number { font-size: 2.5rem; } .cta-buttons { flex-direction: column; align-items: center; } .btn { width: 100%; max-width: 300px; } .calculator-header h2 { font-size: 1.5rem; } }\n <\/style>\n<\/head>\n<body>\n <!-- Hero Section -->\n <section class=\"hero\">\n <div class=\"container\">\n <div class=\"pill-badge\">Direct Pediatric Care<\/div>\n <h1>A Pediatrician Who Knows Your Child<\/h1>\n <p>No more short, rushed appointments. No more prolonged waiting to hear from a pediatrician when your child is sick. No more feeling rushed.<\/p>\n <span class=\"location-pill\">Whole Pediatrics Group | Riverside, California<\/span>\n <\/div>\n <\/section>\n\n <!-- Simple Explanation -->\n <section class=\"simple-explanation\">\n <div class=\"container\">\n <h2>What is Direct Pediatric Care?<\/h2>\n <div class=\"analogy-box\">\n <h3>How it works<\/h3>\n <p>Instead of the pediatrician billing insurance for every visit, you pay a monthly membership fee directly to the practice. This means your child's pediatrician can spend real time with your family (typically 30 to 60 minutes per appointment)\u2014which leads to <b>more thorough care of higher quality.<\/b><\/p>\n <\/div>\n <div class=\"key-difference\">\n <h3>\ud83d\udd11 Important<\/h3>\n <p><b>Think of Direct Pediatric Care and Insurance as a Team.<\/b> Your insurance is there for the big stuff\u2014emergencies, major procedures, surgeries, specialists. Your DPC membership handles everything else. Covering over 90%+ of your child's primary care needs.<\/p>\n <\/div>\n <\/div>\n <\/section>\n\n <!-- Stats -->\n <section class=\"stats-section\">\n <div class=\"container\">\n <div class=\"stats-grid\">\n <div class=\"stat-card\">\n <div class=\"stat-number\">Extended<\/div>\n <div class=\"stat-label\">30-60 minute appointment times<\/div>\n <\/div>\n <div class=\"stat-card\">\n <div class=\"stat-number\">House Calls<\/div>\n <div class=\"stat-label\">Available with age-based home visits included<\/div>\n <\/div>\n <div class=\"stat-card\">\n <div class=\"stat-number\">Priority Newborn<\/div>\n <div class=\"stat-label\">Special attention for your newest family member<\/div>\n <\/div>\n <div class=\"stat-card\">\n <div class=\"stat-number\">400-600<\/div>\n <div class=\"stat-label\">Patient cap per pediatrician for quality care<\/div>\n <\/div>\n <div class=\"stat-card\">\n <div class=\"stat-number\">Same or Next-Day<\/div>\n <div class=\"stat-label\">Visit Availability<\/div>\n <\/div>\n <div class=\"stat-card\">\n <div class=\"stat-number\">Bilingual<\/div>\n <div class=\"stat-label\">Pediatrician fluent in English & Spanish<\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/section>\n\n <!-- Comparison Table -->\n <section class=\"comparison-section\">\n <div class=\"container\">\n <h2>See the Difference<\/h2>\n <div class=\"comparison-table\">\n <div class=\"table-header\">\n <div class=\"header-label\"><\/div>\n <div class=\"header-traditional\">\n <h3>Traditional Pediatrics<\/h3>\n <p>With Insurance<\/p>\n <\/div>\n <div class=\"header-dpc\">\n <h3>Whole Pediatrics DPC<\/h3>\n <p>Our Approach<\/p>\n <\/div>\n <\/div>\n <div class=\"table-row\">\n <div class=\"row-label\">Appointment Length<\/div>\n <div class=\"row-traditional\">10-15 minutes<\/div>\n <div class=\"row-dpc\">Extended appointment times<\/div>\n <\/div>\n <div class=\"table-row\">\n <div class=\"row-label\">Wait Time for Sick Visits<\/div>\n <div class=\"row-traditional\">1-3 days<\/div>\n <div class=\"row-dpc\">Same or next day availability<\/div>\n <\/div>\n <div class=\"table-row\">\n <div class=\"row-label\">After-Hours Access<\/div>\n <div class=\"row-traditional\">Call service or ER<\/div>\n <div class=\"row-dpc\">Direct messaging with pediatrician with a response within minutes to a few hours<\/div>\n <\/div>\n <div class=\"table-row\">\n <div class=\"row-label\">Cost Per Routine Visit<\/div>\n <div class=\"row-traditional\">Copays + deductibles<\/div>\n <div class=\"row-dpc\">$0 (covered by membership)<\/div>\n <\/div>\n <div class=\"table-row\">\n <div class=\"row-label\">Home Visits<\/div>\n <div class=\"row-traditional\"><span class=\"xmark\">\u2717<\/span><\/div>\n <div class=\"row-dpc\"><span class=\"checkmark\">\u2713<\/span> Available (age-based home visits included)<\/div>\n <\/div>\n <div class=\"table-row\">\n <div class=\"row-label\">Continuity of Care<\/div>\n <div class=\"row-traditional\">Different docs available<\/div>\n <div class=\"row-dpc\">Same doctor always<\/div>\n <\/div>\n <div class=\"table-row\">\n <div class=\"row-label\">Number of Patients your pediatrician is responsible for<\/div>\n <div class=\"row-traditional\">2,500-3,000+ per doctor<\/div>\n <div class=\"row-dpc\">400-600 patients maximum per doctor<\/div>\n <\/div>\n <div class=\"table-row\">\n <div class=\"row-label\">Time to Ask Questions<\/div>\n <div class=\"row-traditional\">Rushed, limited<\/div>\n <div class=\"row-dpc\">As long as you need<\/div>\n <\/div>\n <div class=\"table-row\">\n <div class=\"row-label\">Bilingual Care<\/div>\n <div class=\"row-traditional\">Language services available<\/div>\n <div class=\"row-dpc\"><span class=\"checkmark\">\u2713<\/span> Bilingual Pediatrician who speaks English & Spanish fluently<\/div>\n <\/div>\n <div class=\"table-row\">\n <div class=\"row-label\">Insurance Required?<\/div>\n <div class=\"row-traditional\"><span class=\"checkmark\">\u2713<\/span><\/div>\n <div class=\"row-dpc\">No (but must keep your insurance for major events)<\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/section>\n\n <!-- Cost Comparison Section -->\n <section class=\"cost-comparison-section\">\n <div class=\"container\">\n <h2 style=\"font-size: 2.5rem; color: #0D3B66; text-align: center; margin-bottom: 20px; font-weight: 700;\">The Real Cost of Pediatric Care<\/h2>\n <p style=\"font-size: 1.2rem; text-align: center; color: #666; max-width: 800px; margin: 0 auto 50px; line-height: 1.8;\">Let's talk real numbers. Here's what families actually pay for pediatric care in California in 2026\u2014and how much you can save with Direct Pediatric Care.<\/p>\n\n <!-- Values Statement -->\n <div style=\"max-width: 800px; margin: 0 auto 50px; text-align: center;\">\n <div style=\"background: linear-gradient(135deg, #0D3B66 0%, #1a5490 100%); border-radius: 16px; padding: 40px 45px; box-shadow: 0 8px 24px rgba(13,59,102,0.25);\">\n <p style=\"font-size: 1.05rem; color: rgba(255,255,255,0.85); margin: 0 0 20px 0; letter-spacing: 0.05em; font-weight: 600; text-transform: uppercase;\">A Note From Dr. Bost<\/p>\n <p style=\"font-size: 1.25rem; color: white; line-height: 1.85; margin: 0; font-style: italic;\">\"We are not suggesting you go without health insurance \u2014 <strong style=\"color: #FF7F50; font-style: normal;\">we are suggesting you never have to go without your pediatrician.<\/strong> DPC is about more than savings. It's about having a doctor who knows your child by name, answers your call at 9pm, and never makes you feel rushed. The peace of mind that comes with that? That's priceless.\"<\/p>\n <p style=\"margin: 20px 0 0 0; color: rgba(255,255,255,0.7); font-size: 0.95rem; font-weight: 500;\">\u2014 Dr. Connell W. Bost, MD | Whole Pediatrics Group<\/p>\n <\/div>\n <\/div>\n\n <!-- SAVINGS CALCULATOR -->\n <div class=\"calculator-container\">\n <div class=\"calculator-header\">\n <h2>\ud83d\udcb0 Calculate Your Potential Savings<\/h2>\n <p>See how much your family could save with Direct Pediatric Care<\/p>\n <\/div>\n <div class=\"calculator-body\">\n <div class=\"input-section\">\n <div class=\"section-title\">\ud83d\udc68\u200d\ud83d\udc69\u200d\ud83d\udc67\u200d\ud83d\udc66 Your Family<\/div>\n <div class=\"input-group\" style=\"max-width: 450px;\">\n <label for=\"numChildren\">Number of Children<\/label>\n <select id=\"numChildren\" onchange=\"updateChildInputs()\">\n <option value=\"1\">1 child<\/option>\n <option value=\"2\" selected>2 children<\/option>\n <option value=\"3\">3 children<\/option>\n <option value=\"4\">4 children<\/option>\n <option value=\"5\">5 children<\/option>\n <\/select>\n <\/div>\n <div id=\"childrenAges\" class=\"children-inputs\"><\/div>\n <\/div>\n <div class=\"input-section\">\n <div class=\"section-title\">\ud83d\udcb3 Your Current Insurance Costs<\/div>\n <div class=\"input-grid\">\n <div class=\"input-group\">\n <label for=\"monthlyPremium\">Monthly Insurance Premium<\/label>\n <input type=\"number\" id=\"monthlyPremium\" placeholder=\"Enter your amount\" value=\"1500\">\n <span class=\"hint\">\ud83d\udc46 Click to adjust - What you pay each month<\/span>\n <\/div>\n <div class=\"input-group\">\n <label for=\"copayAmount\">Pediatric Copay per Visit<\/label>\n <input type=\"number\" id=\"copayAmount\" placeholder=\"Enter your copay\" value=\"35\">\n <span class=\"hint\">\ud83d\udc46 Click to adjust - Typical pediatric copay<\/span>\n <\/div>\n <div class=\"input-group\">\n <label for=\"visitsPerYear\">Estimated Visits per Year<\/label>\n <input type=\"number\" id=\"visitsPerYear\" placeholder=\"Enter number\" value=\"8\">\n <span class=\"hint\">\ud83d\udc46 Click to adjust - Total visits for all children<\/span>\n <\/div>\n <div class=\"input-group\">\n <label for=\"annualDeductible\">Annual Deductible<\/label>\n <input type=\"number\" id=\"annualDeductible\" placeholder=\"Enter deductible\" value=\"1500\">\n <span class=\"hint\">\ud83d\udc46 Click to adjust - Amount before insurance pays<\/span>\n <\/div>\n <\/div>\n <\/div>\n <button class=\"calculate-btn\" onclick=\"calculateSavings()\">Calculate My Savings \u2192<\/button>\n <div id=\"results\" class=\"results-container\">\n <h3 class=\"results-title\">\ud83d\udcca Your Personalized Savings Analysis<\/h3>\n <div class=\"cost-comparison\">\n <div class=\"cost-box traditional\">\n <div class=\"label\">Traditional Insurance<\/div>\n <div class=\"amount\" id=\"traditionalCost\">$0<\/div>\n <div class=\"detail\">per year<\/div>\n <\/div>\n <div class=\"cost-box dpc\">\n <div class=\"label\">With DPC (Founding Member)<\/div>\n <div class=\"amount\" id=\"dpcCost\">$0<\/div>\n <div class=\"detail\">per year<\/div>\n <\/div>\n <\/div>\n <div class=\"savings-banner\">\n <div class=\"label\">\ud83c\udf89 ESTIMATED PEDIATRIC CARE SAVINGS<\/div>\n <div class=\"amount\" id=\"savingsAmount\">$0<\/div>\n <div class=\"subtext\">Based on eliminating copays, deductibles, and lab markups for pediatric visits. Additional savings may be available if you can switch to a lower-premium Bronze plan.<\/div>\n <\/div>\n <div class=\"breakdown\">\n <h4>Traditional Insurance Cost Breakdown<\/h4>\n <div id=\"traditionalBreakdown\"><\/div>\n <\/div>\n <div class=\"breakdown\" style=\"margin-top: 15px; background: #f0f7ff; border: 2px solid #0D3B66;\">\n <h4>DPC Membership Cost<\/h4>\n <div id=\"dpcBreakdown\"><\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n\n <!-- Link to scenarios -->\n <div style=\"text-align: center; margin: 0 auto 4rem; max-width: 800px; background: linear-gradient(135deg, #fff9f0 0%, #ffe8d1 100%); border: 3px solid #FF7F50; border-radius: 12px; padding: 25px 30px; box-shadow: 0 4px 12px rgba(255,127,80,0.15);\">\n <p style=\"font-size: 1.3rem; color: #0D3B66; font-weight: 700; margin: 0 0 8px 0;\">\ud83d\udca1 Want to see real examples?<\/p>\n <p style=\"font-size: 1.1rem; color: #d65a2e; font-weight: 600; margin: 0;\">Check out these <strong>sample scenarios below<\/strong> showing actual savings for different family sizes<\/p>\n <\/div>\n\n <!-- Scenarios Intro -->\n <div style=\"max-width: 800px; margin: 0 auto 50px; text-align: center;\">\n <h3 style=\"font-size: 1.5rem; color: #0D3B66; margin-bottom: 15px; font-weight: 700;\">How the savings work<\/h3>\n <p style=\"font-size: 1.1rem; color: #444; line-height: 1.8; margin-bottom: 15px;\">Because DPC covers all your child's routine pediatric care\u2014well-child visits, sick visits, labs, same-day access\u2014you no longer need a Silver or Gold insurance plan to manage everyday doctor costs. <strong>Most DPC families switch to a lower-cost Bronze or HSA-compatible plan<\/strong> and use it for what insurance is truly meant for: emergencies, hospitalizations, and specialist care.<\/p>\n <p style=\"font-size: 1.05rem; color: #666; line-height: 1.7; background: #f0f7ff; border-left: 4px solid #0D3B66; border-radius: 0 8px 8px 0; padding: 15px 20px; text-align: left;\">\ud83d\udccc <strong>Each scenario below compares a traditional Silver plan<\/strong> (the most common family plan) against a <strong>Bronze plan + DPC membership<\/strong>. Bronze premiums are estimated based on 2026 Covered California rates for Riverside County families not receiving subsidies. Your actual numbers will vary.<\/p>\n <\/div>\n\n <!-- Scenario 1 -->\n <div style=\"max-width: 1000px; margin: 0 auto 60px; background: white; border-radius: 16px; overflow: hidden; box-shadow: 0 8px 24px rgba(0,0,0,0.12);\">\n <div style=\"background: linear-gradient(135deg, #0D3B66 0%, #1a5490 100%); color: white; padding: 25px; text-align: center;\">\n <h3 style=\"font-size: 1.6rem; margin: 0 0 10px 0; font-weight: 700; color: white;\">SCENARIO 1: Family of 3<\/h3>\n <p style=\"margin: 0 0 10px 0; font-size: 1.1rem; opacity: 0.95; color: white;\">2 parents + 1 child (age 2) | Typical year: 5 pediatric visits, basic labs<\/p>\n <p style=\"margin: 0; font-size: 0.8rem; color: rgba(255,255,255,0.65); font-style: italic;\">Silver & Bronze premiums based on 2026 Covered California unsubsidized rates for Riverside County \u00b7 Source: <a href=\"https:\/\/www.coveredca.com\" target=\"_blank\" style=\"color: rgba(255,255,255,0.75); text-decoration: underline;\">CoveredCA.com<\/a><\/p>\n <\/div>\n <div style=\"display: grid; grid-template-columns: 1fr 1fr; gap: 0;\">\n <div style=\"padding: 35px; border-right: 3px solid #e9ecef;\">\n <h4 style=\"color: #dc3545; font-size: 1.3rem; margin: 0 0 25px 0; font-weight: 700; text-align: center;\">Traditional Silver Plan<\/h4>\n <div style=\"background: #f8f9fa; padding: 20px; border-radius: 8px; margin-bottom: 15px;\">\n <div style=\"display: flex; justify-content: space-between; margin-bottom: 12px; padding-bottom: 12px; border-bottom: 1px solid #dee2e6;\"><span style=\"color: #666;\">Silver Plan Annual Premium<\/span><strong style=\"color: #333;\">$19,200\/year<\/strong><\/div>\n <div style=\"display: flex; justify-content: space-between; margin-bottom: 12px; padding-bottom: 12px; border-bottom: 1px solid #dee2e6;\"><span style=\"color: #666;\">Pediatric Copays (5 visits \u00d7 $35)<\/span><strong style=\"color: #333;\">$175<\/strong><\/div>\n <div style=\"display: flex; justify-content: space-between; margin-bottom: 12px; padding-bottom: 12px; border-bottom: 1px solid #dee2e6;\"><span style=\"color: #666;\">Lab Copays (Strep, CBC, Flu)<\/span><strong style=\"color: #333;\">$185<\/strong><\/div>\n <div style=\"display: flex; justify-content: space-between; margin-bottom: 12px; padding-bottom: 12px; border-bottom: 1px solid #dee2e6;\"><span style=\"color: #666;\">Deductible Contribution<\/span><strong style=\"color: #333;\">$750<\/strong><\/div>\n <div style=\"display: flex; justify-content: space-between; padding-top: 12px;\"><strong style=\"color: #0D3B66; font-size: 1.2rem;\">TOTAL ANNUAL COST:<\/strong><strong style=\"color: #dc3545; font-size: 1.3rem;\">$20,310\/year<\/strong><\/div>\n <\/div>\n <\/div>\n <div style=\"padding: 35px; background: #f0f7ff;\">\n <h4 style=\"color: #28a745; font-size: 1.3rem; margin: 0 0 5px 0; font-weight: 700; text-align: center;\">Bronze Plan + DPC<\/h4>\n <p style=\"text-align: center; color: #666; font-size: 0.9rem; margin: 0 0 20px 0;\">Emergency coverage + full routine pediatric care<\/p>\n <div style=\"background: white; padding: 20px; border-radius: 8px; margin-bottom: 15px; border: 2px solid #0D3B66;\">\n <div style=\"display: flex; justify-content: space-between; margin-bottom: 12px; padding-bottom: 12px; border-bottom: 1px solid #dee2e6;\"><span style=\"color: #666;\">Bronze Plan Premium (family of 3)<\/span><strong style=\"color: #333;\">$12,600\/year<\/strong><\/div>\n <div style=\"display: flex; justify-content: space-between; margin-bottom: 12px; padding-bottom: 12px; border-bottom: 1px solid #dee2e6;\"><span style=\"color: #666;\">DPC Membership (1 child)<\/span><strong style=\"color: #333;\">$1,440\/year<\/strong><\/div>\n <div style=\"display: flex; justify-content: space-between; margin-bottom: 12px; padding-bottom: 12px; border-bottom: 1px solid #dee2e6;\"><span style=\"color: #666;\">Lab Costs via DPC (Strep, CBC, Flu)<\/span><strong style=\"color: #333;\">$70<\/strong><\/div>\n <div style=\"display: flex; justify-content: space-between; margin-bottom: 12px; padding-bottom: 12px; border-bottom: 1px solid #dee2e6;\"><span style=\"color: #666;\">Pediatric Copays<\/span><strong style=\"color: #28a745;\">$0<\/strong><\/div>\n <div style=\"display: flex; justify-content: space-between; margin-bottom: 12px; padding-bottom: 12px; border-bottom: 1px solid #dee2e6;\"><span style=\"color: #666;\">Pediatric Deductible Costs<\/span><strong style=\"color: #28a745;\">$0<\/strong><\/div>\n <div style=\"display: flex; justify-content: space-between; padding-top: 12px;\"><strong style=\"color: #0D3B66; font-size: 1.2rem;\">TOTAL ANNUAL COST:<\/strong><strong style=\"color: #28a745; font-size: 1.3rem;\">$14,110\/year<\/strong><\/div>\n <\/div>\n <\/div>\n <\/div>\n <div style=\"background: linear-gradient(135deg, #28a745 0%, #20c997 100%); color: white; padding: 25px; text-align: center;\">\n <p style=\"margin: 0 0 5px 0; font-size: 1rem; opacity: 0.95;\">ESTIMATED ANNUAL SAVINGS \u2014 SAME EMERGENCY COVERAGE, BETTER PEDIATRIC CARE<\/p>\n <p style=\"margin: 0; font-size: 2.5rem; font-weight: 700; text-shadow: 0 2px 4px rgba(0,0,0,0.2);\">~$6,200\/year<\/p>\n <\/div>\n <\/div>\n\n <!-- Scenario 2 -->\n <div style=\"max-width: 1000px; margin: 0 auto 60px; background: white; border-radius: 16px; overflow: hidden; box-shadow: 0 8px 24px rgba(0,0,0,0.12);\">\n <div style=\"background: linear-gradient(135deg, #0D3B66 0%, #1a5490 100%); color: white; padding: 25px; text-align: center;\">\n <h3 style=\"font-size: 1.6rem; margin: 0 0 10px 0; font-weight: 700; color: white;\">SCENARIO 2: Family of 4<\/h3>\n <p style=\"margin: 0 0 10px 0; font-size: 1.1rem; opacity: 0.95; color: white;\">2 parents + 2 children (ages 4 & 7) | Typical year: 8 pediatric visits, labs, prescriptions<\/p>\n <p style=\"margin: 0; font-size: 0.8rem; color: rgba(255,255,255,0.65); font-style: italic;\">Silver & Bronze premiums based on 2026 Covered California unsubsidized rates for Riverside County \u00b7 Source: <a href=\"https:\/\/www.coveredca.com\" target=\"_blank\" style=\"color: rgba(255,255,255,0.75); text-decoration: underline;\">CoveredCA.com<\/a><\/p>\n <\/div>\n <div style=\"display: grid; grid-template-columns: 1fr 1fr; gap: 0;\">\n <div style=\"padding: 35px; border-right: 3px solid #e9ecef;\">\n <h4 style=\"color: #dc3545; font-size: 1.3rem; margin: 0 0 25px 0; font-weight: 700; text-align: center;\">Traditional Silver Plan<\/h4>\n <div style=\"background: #f8f9fa; padding: 20px; border-radius: 8px; margin-bottom: 15px;\">\n <div style=\"display: flex; justify-content: space-between; margin-bottom: 12px; padding-bottom: 12px; border-bottom: 1px solid #dee2e6;\"><span style=\"color: #666;\">Silver Plan Annual Premium<\/span><strong style=\"color: #333;\">$22,800\/year<\/strong><\/div>\n <div style=\"display: flex; justify-content: space-between; margin-bottom: 12px; padding-bottom: 12px; border-bottom: 1px solid #dee2e6;\"><span style=\"color: #666;\">Pediatric Copays (8 visits \u00d7 $35)<\/span><strong style=\"color: #333;\">$280<\/strong><\/div>\n <div style=\"display: flex; justify-content: space-between; margin-bottom: 12px; padding-bottom: 12px; border-bottom: 1px solid #dee2e6;\"><span style=\"color: #666;\">Lab Copays (Strep, Flu, CBC)<\/span><strong style=\"color: #333;\">$240<\/strong><\/div>\n <div style=\"display: flex; justify-content: space-between; margin-bottom: 12px; padding-bottom: 12px; border-bottom: 1px solid #dee2e6;\"><span style=\"color: #666;\">Prescriptions<\/span><strong style=\"color: #333;\">$200<\/strong><\/div>\n <div style=\"display: flex; justify-content: space-between; margin-bottom: 12px; padding-bottom: 12px; border-bottom: 1px solid #dee2e6;\"><span style=\"color: #666;\">Deductible Contribution<\/span><strong style=\"color: #333;\">$1,000<\/strong><\/div>\n <div style=\"display: flex; justify-content: space-between; padding-top: 12px;\"><strong style=\"color: #0D3B66; font-size: 1.2rem;\">TOTAL ANNUAL COST:<\/strong><strong style=\"color: #dc3545; font-size: 1.3rem;\">$24,520\/year<\/strong><\/div>\n <\/div>\n <\/div>\n <div style=\"padding: 35px; background: #f0f7ff;\">\n <h4 style=\"color: #28a745; font-size: 1.3rem; margin: 0 0 5px 0; font-weight: 700; text-align: center;\">Bronze Plan + DPC<\/h4>\n <p style=\"text-align: center; color: #666; font-size: 0.9rem; margin: 0 0 20px 0;\">Emergency coverage + full routine pediatric care<\/p>\n <div style=\"background: white; padding: 20px; border-radius: 8px; margin-bottom: 15px; border: 2px solid #0D3B66;\">\n <div style=\"display: flex; justify-content: space-between; margin-bottom: 12px; padding-bottom: 12px; border-bottom: 1px solid #dee2e6;\"><span style=\"color: #666;\">Bronze Plan Premium (family of 4)<\/span><strong style=\"color: #333;\">$15,000\/year<\/strong><\/div>\n <div style=\"display: flex; justify-content: space-between; margin-bottom: 12px; padding-bottom: 12px; border-bottom: 1px solid #dee2e6;\"><span style=\"color: #666;\">DPC Membership (2 children)<\/span><strong style=\"color: #333;\">$2,880\/year<\/strong><\/div>\n <div style=\"display: flex; justify-content: space-between; margin-bottom: 12px; padding-bottom: 12px; border-bottom: 1px solid #dee2e6;\"><span style=\"color: #666;\">Lab Costs via DPC<\/span><strong style=\"color: #333;\">$100<\/strong><\/div>\n <div style=\"display: flex; justify-content: space-between; margin-bottom: 12px; padding-bottom: 12px; border-bottom: 1px solid #dee2e6;\"><span style=\"color: #666;\">Prescriptions (GoodRx)<\/span><strong style=\"color: #333;\">$80<\/strong><\/div>\n <div style=\"display: flex; justify-content: space-between; margin-bottom: 12px; padding-bottom: 12px; border-bottom: 1px solid #dee2e6;\"><span style=\"color: #666;\">Pediatric Copays<\/span><strong style=\"color: #28a745;\">$0<\/strong><\/div>\n <div style=\"display: flex; justify-content: space-between; margin-bottom: 12px; padding-bottom: 12px; border-bottom: 1px solid #dee2e6;\"><span style=\"color: #666;\">Pediatric Deductible Costs<\/span><strong style=\"color: #28a745;\">$0<\/strong><\/div>\n <div style=\"display: flex; justify-content: space-between; padding-top: 12px;\"><strong style=\"color: #0D3B66; font-size: 1.2rem;\">TOTAL ANNUAL COST:<\/strong><strong style=\"color: #28a745; font-size: 1.3rem;\">$18,060\/year<\/strong><\/div>\n <\/div>\n <\/div>\n <\/div>\n <div style=\"background: linear-gradient(135deg, #28a745 0%, #20c997 100%); color: white; padding: 25px; text-align: center;\">\n <p style=\"margin: 0 0 5px 0; font-size: 1rem; opacity: 0.95;\">ESTIMATED ANNUAL SAVINGS \u2014 SAME EMERGENCY COVERAGE, BETTER PEDIATRIC CARE<\/p>\n <p style=\"margin: 0; font-size: 2.5rem; font-weight: 700; text-shadow: 0 2px 4px rgba(0,0,0,0.2);\">~$6,460\/year<\/p>\n <\/div>\n <\/div>\n\n <!-- Scenario 3 -->\n <div style=\"max-width: 1000px; margin: 0 auto 60px; background: white; border-radius: 16px; overflow: hidden; box-shadow: 0 8px 24px rgba(0,0,0,0.12);\">\n <div style=\"background: linear-gradient(135deg, #0D3B66 0%, #1a5490 100%); color: white; padding: 25px; text-align: center;\">\n <h3 style=\"font-size: 1.6rem; margin: 0 0 10px 0; font-weight: 700; color: white;\">SCENARIO 3: Family of 5<\/h3>\n <p style=\"margin: 0 0 10px 0; font-size: 1.1rem; opacity: 0.95; color: white;\">2 parents + 3 children (ages 2, 5, & 9) | Typical year: 12 pediatric visits, multiple labs<\/p>\n <p style=\"margin: 0; font-size: 0.8rem; color: rgba(255,255,255,0.65); font-style: italic;\">Silver & Bronze premiums based on 2026 Covered California unsubsidized rates for Riverside County \u00b7 Source: <a href=\"https:\/\/www.coveredca.com\" target=\"_blank\" style=\"color: rgba(255,255,255,0.75); text-decoration: underline;\">CoveredCA.com<\/a><\/p>\n <\/div>\n <div style=\"display: grid; grid-template-columns: 1fr 1fr; gap: 0;\">\n <div style=\"padding: 35px; border-right: 3px solid #e9ecef;\">\n <h4 style=\"color: #dc3545; font-size: 1.3rem; margin: 0 0 25px 0; font-weight: 700; text-align: center;\">Traditional Silver Plan<\/h4>\n <div style=\"background: #f8f9fa; padding: 20px; border-radius: 8px; margin-bottom: 15px;\">\n <div style=\"display: flex; justify-content: space-between; margin-bottom: 12px; padding-bottom: 12px; border-bottom: 1px solid #dee2e6;\"><span style=\"color: #666;\">Silver Plan Annual Premium<\/span><strong style=\"color: #333;\">$26,400\/year<\/strong><\/div>\n <div style=\"display: flex; justify-content: space-between; margin-bottom: 12px; padding-bottom: 12px; border-bottom: 1px solid #dee2e6;\"><span style=\"color: #666;\">Pediatric Copays (12 visits \u00d7 $35)<\/span><strong style=\"color: #333;\">$420<\/strong><\/div>\n <div style=\"display: flex; justify-content: space-between; margin-bottom: 12px; padding-bottom: 12px; border-bottom: 1px solid #dee2e6;\"><span style=\"color: #666;\">Lab\/Test Copays<\/span><strong style=\"color: #333;\">$350<\/strong><\/div>\n <div style=\"display: flex; justify-content: space-between; margin-bottom: 12px; padding-bottom: 12px; border-bottom: 1px solid #dee2e6;\"><span style=\"color: #666;\">Prescriptions<\/span><strong style=\"color: #333;\">$350<\/strong><\/div>\n <div style=\"display: flex; justify-content: space-between; margin-bottom: 12px; padding-bottom: 12px; border-bottom: 1px solid #dee2e6;\"><span style=\"color: #666;\">Deductible Contribution<\/span><strong style=\"color: #333;\">$1,500<\/strong><\/div>\n <div style=\"display: flex; justify-content: space-between; padding-top: 12px;\"><strong style=\"color: #0D3B66; font-size: 1.2rem;\">TOTAL ANNUAL COST:<\/strong><strong style=\"color: #dc3545; font-size: 1.3rem;\">$29,020\/year<\/strong><\/div>\n <\/div>\n <\/div>\n <div style=\"padding: 35px; background: #f0f7ff;\">\n <h4 style=\"color: #28a745; font-size: 1.3rem; margin: 0 0 5px 0; font-weight: 700; text-align: center;\">Bronze Plan + DPC<\/h4>\n <p style=\"text-align: center; color: #666; font-size: 0.9rem; margin: 0 0 20px 0;\">Emergency coverage + full routine pediatric care<\/p>\n <div style=\"background: white; padding: 20px; border-radius: 8px; margin-bottom: 15px; border: 2px solid #0D3B66;\">\n <div style=\"display: flex; justify-content: space-between; margin-bottom: 12px; padding-bottom: 12px; border-bottom: 1px solid #dee2e6;\"><span style=\"color: #666;\">Bronze Plan Premium (family of 5)<\/span><strong style=\"color: #333;\">$17,400\/year<\/strong><\/div>\n <div style=\"display: flex; justify-content: space-between; margin-bottom: 12px; padding-bottom: 12px; border-bottom: 1px solid #dee2e6;\"><span style=\"color: #666;\">DPC Membership (3 children)<\/span><strong style=\"color: #333;\">$4,320\/year<\/strong><\/div>\n <div style=\"display: flex; justify-content: space-between; margin-bottom: 12px; padding-bottom: 12px; border-bottom: 1px solid #dee2e6;\"><span style=\"color: #666;\">Lab Costs via DPC<\/span><strong style=\"color: #333;\">$150<\/strong><\/div>\n <div style=\"display: flex; justify-content: space-between; margin-bottom: 12px; padding-bottom: 12px; border-bottom: 1px solid #dee2e6;\"><span style=\"color: #666;\">Prescriptions (GoodRx)<\/span><strong style=\"color: #333;\">$120<\/strong><\/div>\n <div style=\"display: flex; justify-content: space-between; margin-bottom: 12px; padding-bottom: 12px; border-bottom: 1px solid #dee2e6;\"><span style=\"color: #666;\">Pediatric Copays<\/span><strong style=\"color: #28a745;\">$0<\/strong><\/div>\n <div style=\"display: flex; justify-content: space-between; margin-bottom: 12px; padding-bottom: 12px; border-bottom: 1px solid #dee2e6;\"><span style=\"color: #666;\">Pediatric Deductible Costs<\/span><strong style=\"color: #28a745;\">$0<\/strong><\/div>\n <div style=\"display: flex; justify-content: space-between; padding-top: 12px;\"><strong style=\"color: #0D3B66; font-size: 1.2rem;\">TOTAL ANNUAL COST:<\/strong><strong style=\"color: #28a745; font-size: 1.3rem;\">$21,990\/year<\/strong><\/div>\n <\/div>\n <\/div>\n <\/div>\n <div style=\"background: linear-gradient(135deg, #28a745 0%, #20c997 100%); color: white; padding: 25px; text-align: center;\">\n <p style=\"margin: 0 0 5px 0; font-size: 1rem; opacity: 0.95;\">ESTIMATED ANNUAL SAVINGS \u2014 SAME EMERGENCY COVERAGE, BETTER PEDIATRIC CARE<\/p>\n <p style=\"margin: 0; font-size: 2.5rem; font-weight: 700; text-shadow: 0 2px 4px rgba(0,0,0,0.2);\">~$7,030\/year<\/p>\n <\/div>\n <\/div>\n\n <!-- Scenario 4 -->\n <div style=\"max-width: 1000px; margin: 0 auto 60px; background: white; border-radius: 16px; overflow: hidden; box-shadow: 0 8px 24px rgba(0,0,0,0.12);\">\n <div style=\"background: linear-gradient(135deg, #0D3B66 0%, #1a5490 100%); color: white; padding: 25px; text-align: center;\">\n <h3 style=\"font-size: 1.6rem; margin: 0 0 10px 0; font-weight: 700; color: white;\">SCENARIO 4: Family with Newborn<\/h3>\n <p style=\"margin: 0 0 10px 0; font-size: 1.1rem; opacity: 0.95; color: white;\">2 parents + newborn (3 months) + 1 older child (age 3) | High utilization year<\/p>\n <p style=\"margin: 0; font-size: 0.8rem; color: rgba(255,255,255,0.65); font-style: italic;\">Silver & Bronze premiums based on 2026 Covered California unsubsidized rates for Riverside County \u00b7 Source: <a href=\"https:\/\/www.coveredca.com\" target=\"_blank\" style=\"color: rgba(255,255,255,0.75); text-decoration: underline;\">CoveredCA.com<\/a><\/p>\n <\/div>\n <div style=\"display: grid; grid-template-columns: 1fr 1fr; gap: 0;\">\n <div style=\"padding: 35px; border-right: 3px solid #e9ecef;\">\n <h4 style=\"color: #dc3545; font-size: 1.3rem; margin: 0 0 25px 0; font-weight: 700; text-align: center;\">Traditional Silver Plan<\/h4>\n <div style=\"background: #f8f9fa; padding: 20px; border-radius: 8px; margin-bottom: 15px;\">\n <div style=\"display: flex; justify-content: space-between; margin-bottom: 12px; padding-bottom: 12px; border-bottom: 1px solid #dee2e6;\"><span style=\"color: #666;\">Silver Plan Annual Premium<\/span><strong style=\"color: #333;\">$22,800\/year<\/strong><\/div>\n <div style=\"display: flex; justify-content: space-between; margin-bottom: 12px; padding-bottom: 12px; border-bottom: 1px solid #dee2e6;\"><span style=\"color: #666;\">Newborn Copays (9 visits \u00d7 $35)<\/span><strong style=\"color: #333;\">$315<\/strong><\/div>\n <div style=\"display: flex; justify-content: space-between; margin-bottom: 12px; padding-bottom: 12px; border-bottom: 1px solid #dee2e6;\"><span style=\"color: #666;\">Older Child Copays (3 visits \u00d7 $35)<\/span><strong style=\"color: #333;\">$105<\/strong><\/div>\n <div style=\"display: flex; justify-content: space-between; margin-bottom: 12px; padding-bottom: 12px; border-bottom: 1px solid #dee2e6;\"><span style=\"color: #666;\">Lab Copays (newborn screening, etc.)<\/span><strong style=\"color: #333;\">$200<\/strong><\/div>\n <div style=\"display: flex; justify-content: space-between; margin-bottom: 12px; padding-bottom: 12px; border-bottom: 1px solid #dee2e6;\"><span style=\"color: #666;\">Prescriptions<\/span><strong style=\"color: #333;\">$150<\/strong><\/div>\n <div style=\"display: flex; justify-content: space-between; margin-bottom: 12px; padding-bottom: 12px; border-bottom: 1px solid #dee2e6;\"><span style=\"color: #666;\">Deductible Contribution<\/span><strong style=\"color: #333;\">$1,200<\/strong><\/div>\n <div style=\"display: flex; justify-content: space-between; padding-top: 12px;\"><strong style=\"color: #0D3B66; font-size: 1.2rem;\">TOTAL ANNUAL COST:<\/strong><strong style=\"color: #dc3545; font-size: 1.3rem;\">$24,770\/year<\/strong><\/div>\n <\/div>\n <\/div>\n <div style=\"padding: 35px; background: #f0f7ff;\">\n <h4 style=\"color: #28a745; font-size: 1.3rem; margin: 0 0 5px 0; font-weight: 700; text-align: center;\">Bronze Plan + DPC<\/h4>\n <p style=\"text-align: center; color: #666; font-size: 0.9rem; margin: 0 0 20px 0;\">Emergency coverage + full routine pediatric care<\/p>\n <div style=\"background: white; padding: 20px; border-radius: 8px; margin-bottom: 15px; border: 2px solid #0D3B66;\">\n <div style=\"display: flex; justify-content: space-between; margin-bottom: 12px; padding-bottom: 12px; border-bottom: 1px solid #dee2e6;\"><span style=\"color: #666;\">Bronze Plan Premium (family of 4)<\/span><strong style=\"color: #333;\">$15,000\/year<\/strong><\/div>\n <div style=\"display: flex; justify-content: space-between; margin-bottom: 12px; padding-bottom: 12px; border-bottom: 1px solid #dee2e6;\"><span style=\"color: #666;\">DPC Membership (2 children)<\/span><strong style=\"color: #333;\">$2,880\/year<\/strong><\/div>\n <div style=\"display: flex; justify-content: space-between; margin-bottom: 12px; padding-bottom: 12px; border-bottom: 1px solid #dee2e6;\"><span style=\"color: #666;\">Lab Costs via DPC<\/span><strong style=\"color: #333;\">$100<\/strong><\/div>\n <div style=\"display: flex; justify-content: space-between; margin-bottom: 12px; padding-bottom: 12px; border-bottom: 1px solid #dee2e6;\"><span style=\"color: #666;\">Prescriptions (GoodRx)<\/span><strong style=\"color: #333;\">$50<\/strong><\/div>\n <div style=\"display: flex; justify-content: space-between; margin-bottom: 12px; padding-bottom: 12px; border-bottom: 1px solid #dee2e6;\"><span style=\"color: #666;\">Home Visits (included for newborn!)<\/span><strong style=\"color: #28a745;\">$0<\/strong><\/div>\n <div style=\"display: flex; justify-content: space-between; margin-bottom: 12px; padding-bottom: 12px; border-bottom: 1px solid #dee2e6;\"><span style=\"color: #666;\">Pediatric Copays<\/span><strong style=\"color: #28a745;\">$0<\/strong><\/div>\n <div style=\"display: flex; justify-content: space-between; margin-bottom: 12px; padding-bottom: 12px; border-bottom: 1px solid #dee2e6;\"><span style=\"color: #666;\">Pediatric Deductible Costs<\/span><strong style=\"color: #28a745;\">$0<\/strong><\/div>\n <div style=\"display: flex; justify-content: space-between; padding-top: 12px;\"><strong style=\"color: #0D3B66; font-size: 1.2rem;\">TOTAL ANNUAL COST:<\/strong><strong style=\"color: #28a745; font-size: 1.3rem;\">$18,030\/year<\/strong><\/div>\n <\/div>\n <div style=\"background: linear-gradient(135deg, #fff9f0 0%, #ffe8d1 100%); border: 2px solid #FF7F50; border-radius: 8px; padding: 15px; margin-top: 15px;\">\n <p style=\"margin: 0; font-size: 0.9rem; color: #d65a2e; font-weight: 600; text-align: center;\">\u2728 BONUS: 2 home visits\/month included for newborn (value: $2,376\/year!)<\/p>\n <\/div>\n <\/div>\n <\/div>\n <div style=\"background: linear-gradient(135deg, #28a745 0%, #20c997 100%); color: white; padding: 25px; text-align: center;\">\n <p style=\"margin: 0 0 5px 0; font-size: 1rem; opacity: 0.95;\">ESTIMATED ANNUAL SAVINGS \u2014 SAME EMERGENCY COVERAGE, BETTER PEDIATRIC CARE<\/p>\n <p style=\"margin: 0; font-size: 2.5rem; font-weight: 700; text-shadow: 0 2px 4px rgba(0,0,0,0.2);\">~$6,740\/year<\/p>\n <p style=\"margin: 8px 0 0 0; font-size: 0.95rem; opacity: 0.9;\">Plus home visits worth $2,376 \u2014 included at no extra charge<\/p>\n <\/div>\n <\/div>\n\n <!-- Important Notes -->\n <div style=\"max-width: 900px; margin: 0 auto; background: #fff3cd; border: 3px solid #ffc107; border-left: 5px solid #f59e0b; padding: 30px; border-radius: 12px; box-shadow: 0 3px 10px rgba(245,158,11,0.2);\">\n <h4 style=\"color: #0D3B66; font-size: 1.2rem; margin: 0 0 15px 0; font-weight: 700; text-align: center;\">\ud83d\udcca About These Numbers<\/h4>\n <ul style=\"margin: 0; padding-left: 25px; color: #856404; font-size: 1rem; line-height: 1.8;\">\n <li style=\"margin-bottom: 10px;\"><strong>Silver plan premiums<\/strong> are based on 2026 Covered California rates for middle-income Riverside County families not eligible for subsidies. Families who receive subsidies or whose children qualify for Medi-Cal will have very different numbers.<\/li>\n <li style=\"margin-bottom: 10px;\"><strong>Bronze plan premiums<\/strong> are estimates for the same family sizes, used to illustrate the plan-switching strategy. Your actual Bronze plan premium may differ.<\/li>\n <li style=\"margin-bottom: 10px;\"><strong>The core strategy:<\/strong> Because DPC handles all routine pediatric care, you no longer need a Silver or Gold plan's low-copay structure for doctor visits. A Bronze plan provides full emergency and hospitalization coverage at a significantly lower premium.<\/li>\n <li style=\"margin-bottom: 10px;\"><strong>DPC membership fees<\/strong> are calculated at our Founding Member rate of $120\/month per child. Actual pricing varies by age tier \u2014 <a href=\"https:\/\/wholepedsg.com\/membership-pricing\/\" style=\"color: #0D3B66; font-weight: 600; text-decoration: underline;\">see our full pricing page<\/a>.<\/li>\n <li style=\"margin-bottom: 10px;\"><strong>DPC lab costs<\/strong> use our transparent at-cost pricing (80%+ off retail). <a href=\"https:\/\/wholepedsg.com\/labs-imaging-pricing\/\" style=\"color: #0D3B66; font-weight: 600; text-decoration: underline;\">View complete lab pricing<\/a>.<\/li>\n <li style=\"margin-bottom: 0;\"><strong>These are illustrative estimates, not guarantees.<\/strong> Your actual savings depend on your specific insurance options, income, and how many pediatric visits your child typically needs. We're happy to walk through your specific situation during a free meet-and-greet call.<\/li>\n <\/ul>\n <div style=\"margin-top: 20px; padding-top: 18px; border-top: 2px dashed #ffc107; text-align: center;\">\n <p style=\"margin: 0; font-size: 0.9rem; color: #856404;\"><strong>\ud83d\udcce Sources:<\/strong> Premium rates based on 2026 Covered California filing for Riverside County unsubsidized families (above 400% FPL). Rate data: <a href=\"https:\/\/www.coveredca.com\" target=\"_blank\" style=\"color: #0D3B66; font-weight: 600;\">CoveredCA.com<\/a> \u00b7 Rate increase analysis: <a href=\"https:\/\/www.chcf.org\/resource\/how-much-will-covered-california-premiums-cost-2026\/\" target=\"_blank\" style=\"color: #0D3B66; font-weight: 600;\">California Health Care Foundation, 2026<\/a> \u00b7 Bronze plans estimated at ~65% of Silver tier premiums per standard ACA actuarial value ratios.<\/p>\n <\/div>\n <\/div>\n <\/section>\n\n <!-- FAQ -->\n <section class=\"faq-section\">\n <div class=\"container\">\n <h2>Common Questions<\/h2>\n <div class=\"faq-container\">\n <div class=\"faq-item\">\n <div class=\"faq-question\" onclick=\"toggleFaq(this)\">\n <h3>What does the membership fee cover?<\/h3>\n <span class=\"faq-toggle\">+<\/span>\n <\/div>\n <div class=\"faq-answer\">\n <div class=\"faq-answer-content\">\n <p>Your monthly membership covers office visits, same or next day sick visits, wellness checkups, age-based home visits, minor procedures and more. Secured messaging access to pediatrician, and care coordination. No copays, however there may be extra fees for specialized procedures such as laceration repairs, labs, imaging, medical grade ear piercings and circumcisions. <a href=\"https:\/\/wholepedsg.com\/labs-imaging-pricing\/\" style=\"color: #0D3B66; font-weight: 600; text-decoration: underline;\">See our complete lab & imaging pricing<\/a>. All details will be clarified during the meet and greet.<\/p>\n <\/div>\n <\/div>\n <\/div>\n <div class=\"faq-item\">\n <div class=\"faq-question\" onclick=\"toggleFaq(this)\">\n <h3>Do I still need health insurance?<\/h3>\n <span class=\"faq-toggle\">+<\/span>\n <\/div>\n <div class=\"faq-answer\">\n <div class=\"faq-answer-content\">\n <p>Yes! It is strongly advised your family keep health insurance for emergencies, hospitalizations, specialty care, and major medical events. Direct Pediatric Care handles 90% of all your primary pediatric care needs\u2014everything else is what your primary insurance is for.<\/p>\n <\/div>\n <\/div>\n <\/div>\n <div class=\"faq-item\">\n <div class=\"faq-question\" onclick=\"toggleFaq(this)\">\n <h3>Can I use my HSA or FSA for the membership?<\/h3>\n <span class=\"faq-toggle\">+<\/span>\n <\/div>\n <div class=\"faq-answer\">\n <div class=\"faq-answer-content\">\n <p>Starting January 1, 2026, yes! Recent legislation now allows HSA\/FSA funds to be used for DPC memberships.<\/p>\n <\/div>\n <\/div>\n <\/div>\n <div class=\"faq-item\">\n <div class=\"faq-question\" onclick=\"toggleFaq(this)\">\n <h3>What if my child is on Medi-Cal?<\/h3>\n <span class=\"faq-toggle\">+<\/span>\n <\/div>\n <div class=\"faq-answer\">\n <div class=\"faq-answer-content\">\n <p>Unfortunately, NO. Federal regulations create practical problems that prevent DPC pediatricians from providing care to Medi-Cal patients. So, as a DPC provider, I cannot provide same services as an enrolled Medi-Cal provider could also provide. This means you would still need to maintain a traditional Medi-Cal pediatrician for those services, which defeats the entire purpose of DPC membership. Congress is currently working on legislation (the Medicaid Primary Care Improvement Act) to clarify how DPC can work with Medicaid programs. If this passes, it may become possible in the future. But under current regulations, I cannot accept Medi-Cal patients while providing the full scope of care that DPC membership promises.<\/p>\n <\/div>\n <\/div>\n <\/div>\n <div class=\"faq-item\">\n <div class=\"faq-question\" onclick=\"toggleFaq(this)\">\n <h3>How do home visits work?<\/h3>\n <span class=\"faq-toggle\">+<\/span>\n <\/div>\n <div class=\"faq-answer\">\n <div class=\"faq-answer-content\">\n <p>Home visits are included based on your child's age: Ages 0-6 months receive 2 home visits per month, ages 6 months-2 years receive 1 home visit per month. Children 2+ years can schedule home visits \u00e0 la carte at $99 per visit. When your child is sick and you'd prefer Dr. Bost come to you, just send a secure message. Home visits are especially helpful for young children or when your child is contagious.<\/p>\n <\/div>\n <\/div>\n <\/div>\n <div class=\"faq-item\">\n <div class=\"faq-question\" onclick=\"toggleFaq(this)\">\n <h3>When does Whole Pediatrics Group open?<\/h3>\n <span class=\"faq-toggle\">+<\/span>\n <\/div>\n <div class=\"faq-answer\">\n <div class=\"faq-answer-content\">\n <p>We're opening in Riverside and surrouding community soon. Join our founding member list now to secure your spot\u2014we're limiting enrollment to 100 founding families initially, expanding to a maximum of 400-600 patients for this practice to ensure quality time and exceptional care for everyone.<\/p>\n <\/div>\n <\/div>\n <\/div>\n <div class=\"faq-item\">\n <div class=\"faq-question\" onclick=\"toggleFaq(this)\">\n <h3>What languages do you speak?<\/h3>\n <span class=\"faq-toggle\">+<\/span>\n <\/div>\n <div class=\"faq-answer\">\n <div class=\"faq-answer-content\">\n <p>Dr. Bost is fluent in both English & Spanish. All appointments, house calls, and secured communication are available in both languages.<\/p>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/section>\n\n <!-- Final CTA -->\n <section class=\"final-cta\">\n <div class=\"container\">\n <h2>Interested in This Approach to Pediatric Care?<\/h2>\n <p>We're opening in Riverside and surrounding communities soon, capped at 400-600 patients to ensure quality care<\/p>\n <div class=\"cta-buttons\">\n <a href=\"https:\/\/wholepedsg.com\/founding-members\/\" class=\"btn btn-primary\">Join the Founding Member List<\/a>\n <a href=\"\" onclick=\"Calendly.initPopupWidget({url: 'https:\/\/calendly.com\/wholepeds\/30min'}); return false;\" class=\"btn btn-secondary\">Schedule a Call<\/a>\n <\/div>\n <\/div>\n <\/section>\n\n <script>\n function toggleFaq(element) {\n const faqItem = element.parentElement;\n const answer = element.nextElementSibling;\n const toggle = element.querySelector('.faq-toggle');\n document.querySelectorAll('.faq-answer').forEach(item => {\n if (item !== answer) { item.classList.remove('active'); item.previousElementSibling.querySelector('.faq-toggle').textContent = '+'; }\n });\n answer.classList.toggle('active');\n toggle.textContent = answer.classList.contains('active') ? '\u2212' : '+';\n }\n\n const dpcPricing = { '0-2': 120, '2-4': 104, '5-17': 80, '18-22': 60 };\n\n window.addEventListener('DOMContentLoaded', function() { updateChildInputs(); });\n\n function updateChildInputs() {\n const numChildren = parseInt(document.getElementById('numChildren').value);\n const container = document.getElementById('childrenAges');\n container.innerHTML = '';\n for (let i = 1; i <= numChildren; i++) {\n const childDiv = document.createElement('div');\n childDiv.className = 'child-input';\n childDiv.innerHTML = `<label>Child ${i}:<\/label><select id=\"child${i}Age\"><option value=\"0-2\">Ages 0-2 years<\/option><option value=\"2-4\">Ages 2-4 years<\/option><option value=\"5-17\" selected>Ages 5-17 years<\/option><option value=\"18-22\">Ages 18-22 years<\/option><\/select>`;\n container.appendChild(childDiv);\n }\n }\n\n function calculateSavings() {\n const numChildren = parseInt(document.getElementById('numChildren').value);\n const monthlyPremium = parseFloat(document.getElementById('monthlyPremium').value) || 0;\n const copayAmount = parseFloat(document.getElementById('copayAmount').value) || 0;\n const visitsPerYear = parseInt(document.getElementById('visitsPerYear').value) || 0;\n const annualDeductible = parseFloat(document.getElementById('annualDeductible').value) || 0;\n let totalDpcMonthly = 0;\n for (let i = 1; i <= numChildren; i++) { const ageGroup = document.getElementById(`child${i}Age`).value; totalDpcMonthly += dpcPricing[ageGroup]; }\n const totalDpcAnnual = totalDpcMonthly * 12;\n const annualPremium = monthlyPremium * 12;\n const annualCopays = copayAmount * visitsPerYear;\n const estimatedLabCosts = 200;\n const totalTraditionalAnnual = annualPremium + annualCopays + estimatedLabCosts + (annualDeductible * 0.5);\n const annualSavings = totalTraditionalAnnual - totalDpcAnnual;\n document.getElementById('traditionalCost').textContent = '$' + totalTraditionalAnnual.toLocaleString();\n document.getElementById('dpcCost').textContent = '$' + totalDpcAnnual.toLocaleString();\n document.getElementById('savingsAmount').textContent = '$' + annualSavings.toLocaleString();\n const traditionalBreakdownHTML = `<div class=\"breakdown-item\"><span class=\"item-label\">Insurance Premiums (12 months)<\/span><span class=\"item-value\">$${annualPremium.toLocaleString()}<\/span><\/div><div class=\"breakdown-item\"><span class=\"item-label\">Pediatric Copays (${visitsPerYear} visits)<\/span><span class=\"item-value\">$${annualCopays.toLocaleString()}<\/span><\/div><div class=\"breakdown-item\"><span class=\"item-label\">Estimated Lab Costs<\/span><span class=\"item-value\">$${estimatedLabCosts}<\/span><\/div><div class=\"breakdown-item\"><span class=\"item-label\">Estimated Deductible Usage<\/span><span class=\"item-value\">$${(annualDeductible * 0.5).toLocaleString()}<\/span><\/div><div class=\"breakdown-item\" style=\"border-top: 2px solid #dc3545; margin-top: 10px; padding-top: 15px; font-weight: 700;\"><span class=\"item-label\">TOTAL TRADITIONAL COST<\/span><span class=\"item-value\" style=\"color: #dc3545;\">$${totalTraditionalAnnual.toLocaleString()}<\/span><\/div>`;\n document.getElementById('traditionalBreakdown').innerHTML = traditionalBreakdownHTML;\n let dpcBreakdownHTML = '';\n for (let i = 1; i <= numChildren; i++) { const ageGroup = document.getElementById(`child${i}Age`).value; const monthlyCost = dpcPricing[ageGroup]; const annualCost = monthlyCost * 12; const ageLabel = document.getElementById(`child${i}Age`).options[document.getElementById(`child${i}Age`).selectedIndex].text; dpcBreakdownHTML += `<div class=\"breakdown-item\"><span class=\"item-label\">Child ${i} (${ageLabel})<\/span><span class=\"item-value\">$${monthlyCost}\/month \u00d7 12 = $${annualCost}<\/span><\/div>`; }\n dpcBreakdownHTML += `<div class=\"breakdown-item\"><span class=\"item-label\">Copays<\/span><span class=\"item-value\" style=\"color: #28a745; font-size: 1.1rem; font-weight: 700;\">$0<\/span><\/div><div class=\"breakdown-item\"><span class=\"item-label\">Labs, imaging, additional procedures*<\/span><span class=\"item-value\">$0 - $300<\/span><\/div><div class=\"breakdown-item\" style=\"border-top: 2px solid #28a745; margin-top: 10px; padding-top: 15px; font-weight: 700;\"><span class=\"item-label\">TOTAL DPC MEMBERSHIP<\/span><span class=\"item-value\" style=\"color: #28a745;\">$${totalDpcAnnual.toLocaleString()}<\/span><\/div><div style=\"margin-top: 15px; padding: 12px; background: #fff9f0; border-radius: 6px; border-left: 3px solid #FF7F50;\"><p style=\"margin: 0; font-size: 0.85rem; color: #856404; line-height: 1.5;\"><strong>*<\/strong> Lab, imaging, and procedure costs vary based on complexity of illnesses and tests needed. We offer transparent pricing at 80%+ off retail rates.<\/p><\/div>`;\n document.getElementById('dpcBreakdown').innerHTML = dpcBreakdownHTML;\n document.getElementById('results').classList.add('show');\n document.getElementById('results').scrollIntoView({ behavior: 'smooth', block: 'nearest' });\n }\n <\/script>\n <link href=\"https:\/\/assets.calendly.com\/assets\/external\/widget.css\" rel=\"stylesheet\">\n <script src=\"https:\/\/assets.calendly.com\/assets\/external\/widget.js\" type=\"text\/javascript\" async><\/script>\n<\/body>\n<\/html>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Direct Primary Care Explained | Whole Pediatrics Group Direct Pediatric Care A Pediatrician Who Knows Your Child No more short, 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