Frequently Asked Questions

Direct Primary Care (DPC) is a model of primary care practice that removes insurance companies and healthcare administrators from the picture. For a monthly membership fee, patients get access to all-inclusive services. More time with the provider and less time with the paperwork.

We removed health insurance from the exam room so your healthcare is strictly between you and your provider. We are able to provide high quality services because we are not hassled by insurance for our services.

Every person is welcome to become a DPC patient. We accept all patients regardless of whether or not they are insured or what type of insurance they have. We simply do not bill the insurance companies.

However, your insurance can be billed for larger costs such as specialty labs, imaging, specialist visits, vaccines, and other outside services.

No. We encourage our patients to obtain at least catastrophic insurance plans. DPC also pairs well with high-deductible plans or health sharing ministries.

Yes, for HSAs. Starting January 1, 2026, federal law allows a Direct Primary Care membership of $150 a month or less for an individual ($300 for a family) alongside a Health Savings Account, and the membership can be paid with HSA funds. Our adult ($99) and child ($49) memberships are each within that limit; for a larger household, check that your combined monthly total stays within $300.

FSA rules depend on your employer’s plan, so check with your FSA administrator.

HSA/FSA funds can also be used to purchase medications or pay for diagnostic testing.

We welcome Medicare patients at Care4Me Clinics. We only contract directly with the patient and do not bill Medicare for any of our services. You will be asked to sign a waiver to this effect.

You may still use your Medicare coverage for specialty care, diagnostic testing, and, of course, hospitalization. Our Medicare patients often find that they save a great deal of money when they purchase medications through our practice rather than retail or mail order pharmacies.

You pay a copay for every office visit after which you may then get a separate office visit charge. If you have labs, imaging or procedural needs, you will be charged an inflated lab/radiology/procedure bill as well as prescription costs in order to meet your deductible. All this while paying a premium every month which may be thousands of dollars for your family.

Your deductible (~$1000–$5000+) isn’t where the cost ends. On top of that you also have to pay coinsurance meaning even if you meet your deductible, you are still responsible for a percentage of medical care costs.

As a DPC member, rather than pay higher insurance based rates towards a deductible you may never meet, you pay a flat rate for all your primary care services. There are no copays, surprise bills, hidden fees, or unknown extra charges. Your membership covers annual labs, in-house testing and procedures as well as comprehensive consultation and follow-up care.