Insurance, Cost Sharing, or No Insurance - DPC Will Help You SAVE Money

You can save money AND receive care that ranks in the 95th percentile nationally!

DPC Only

While DPC does not recommend being without major medical coverage, having a DPC membership can help protect you from inflated insurance-based pricing for 70-90% of the care you will need in your lifetime.

Cost Sharing Plan + DPC

DPC provides preventative, primary, and urgent care services while cost-sharing networks offer to share major medical expenses. Pairing the two costs 20-60% less than more typical health insurance.

High Deductible Health Plans + DPC

DPC staff help you navigate the healthcare system in a fiscally intelligent manner to help reduce your out of pocket costs. With our help, members generally save 30% on healthcare expenses annually.

Direct Primary Care ONLY

Let’s face it, health insurance is EXPENSIVE and those who are navigating the healthcare system are vulnerable without it. Anytime someone has an office visit, fills a prescription, has a procedure performed, or labs and imaging ordered – there is an opportunity for that person to be charged inflated healthcare prices. This doesn’t have to be.

Direct Primary Care (DPC) provides primary care, preventative care, and most urgent care services for a flat, transparent, monthly membership fee – that’s it! For the monthly membership fee, members get to enjoy unlimited co-pay free office visits, same day to next day availability, extended and relaxed 30-60 minutes appointments, and a 24/7 HIPAA complaint app where the member can text or call their provider directly.

Any labs resulted in house are FREE (urinalysis, glucose, strep test, etc.). Any procedures performed in house are FREE (EKG, sutures, skin tag-removal, etc.). When labs processed out of house are ordered, the member can utilize our 85% discount. We can also dispense generic non-controlled medications in-house to our members, which are 80-90% more affordable than retail pricing. Xray imaging services are also 50% less for our members, versus insurance billed pricing.

Non-insured members can receive 70-90% of the care and services they will need in their lifetime for a predictable monthly fee. No surprise charges. Just the peace of mind knowing you are receiving unlimited care that ranks in the 95th percentile nationally.

Direct Primary Care can only control the costs of the services provided in our clinic, so a member will still be vulnerable to pay for expenses like emergency care, specialty care, and branded medications. However, our providers and staff are aware of some of the best cash pay pricing for advanced imaging and specialty services in order to help you navigate local healthcare waters in a fiscally intelligent way. We have arranged special cash pay discounts for physical therapy, chiropractic care, and even certain specialty care. We also have resources available for our members to explore coverage for branded medication if the need arises.

Direct Primary Care is TRULY PATIENT-CENTERED. Not only are we advocating for our patients health and well-being, we are also advocating for their financial health and well-being by helping our members navigate an often confusing medical system in a fiscally responsible manner. 

Learn more about how DPC works and pricing information below.

Direct Primary Care Plans

Click on plan tabs to review age tiered Direct Primary Care pricing.

$29/month

$49/month

$79/month

$109/month

Coming Soon

$149/month

$199/month

Review Other DPC Pairing Options Below

Cost Sharing + DPC

Direct Primary Care (DPC) can help manage and care for 70-90% of the care most individuals will need in their lifetime. However, what if something catastrophic occurs? What if someone needs to utilize the ER? What if someone needs a major surgery? These are services that are not offered within the DPC membership and thus members could be vulnerable to large ER, hospital, and surgical bills. In light of this vulnerability, DPC has found a potential solution that pairs well with a DPC membership.

The major medical solution is called a COST SHARING MINISTRY. Fundamentally, these are a group of nationally that believe in God and have agreed to share one another’s medical bills. Their monthly membership costs are typically 20-60% less than traditional insurance, you can sign up at any time (don’t have to wait for open enrollment), and a member’s out of pocket responsibilities for major medical expenses can be less than most insurance deductibles.

To be clear, these ministires are NOT HEALTH INSURANCE and, therefore, they don’t have to abide by Affordable Care Act laws such as guaranteeing coverage, accepting pre-existing conditions, and covering preventative care. Because of their terms, anyone on a brand name medication or someone who needs frequent specialty care may not be able to share these medical expenses among the group.

Additionally, many people who belong to a cost sharing ministry prefer to know that their monthly payments are going to other members in need and not to overpaid administrators or services that they may ethically object to. (~9% administrative fee versus a 20% administrative fee of a typical health insurance plan)*.

For anyone that doesn’t have active pre-existing conditions, or ones that can be managed by a primary care provider, cost sharing ministires can be a very reasonable alternative to health insurance.

 

*https://www.healthcare.gov/health-care-law-protections/rate-review/

**DPC has no financial ties with any cost sharing ministries**

Learn more about how Cost Sharing Ministries work and how it has benefited others by watching the videos below.

Total Healthcare Solution

Review Other DPC Pairing Options Below

High Deductible Health Plan + DPC

High Deductible Health Plans (HDHP) help an individual save money on their monthly premium at the cost of having a higher out of pocket responsibility. Unfortunately, most expenses accrued in the year (outside of one preventative exam) will “go towards the deductible” meaning the insured person will pay out of pocket for those services. Most of the time a person utilizes the healthcare system for an office visit, labs, imaging, prescriptions, surgeries, you name it, there is a large out of pocket cost. So, let’s face it, a qualified HDHP with a $5,000 – $6,500+ deductible IS CATASTROPHIC HEALTH COVERAGE.

Those with HDHP tend to avoid seeking proper medical care and treatment because they are vulnerable to out of pocket costs and, due to the lack of price transparency, most consumers won’t know the cost of services until they are billed months later. There is a better way.

A membership with Direct Primary Care (DPC) helps individuals keep their out of pocket costs low. While the addition of a monthly membership fee with DPC appears to be increasing the HDHP owner’s out of pocket expenses, the result of adding DPC is about a 30% decrease in out of pocket expenses annually.

With DPC, there are NO CO_PAYMENTS OR DEDUCTIBLES. All care within DPC is provided within the monthly membership fee.

DPC never bills insurance for our services in clinic. Need an EKG? No extra cost. Sutures for an open wound? No extra cost. Strep test for a sore throat? No extra cost.

Members also get the option to take advantage of DPC’s discounts. Most often our discounted rates are much cheaper than billing insurance and paying toward a deductible. Our out of house labs are 85% less than insurance billed pricing, we dispense generic meds in house for 80-90% off retail pharmacy pricing, and xray imaging is 50% off insurance based pricing.

Direct Primary Care help members navigate the healthcare system in a fiscally intelligent way in order save costs and utilize their HDHP appropriately. Does it make sense to get an MRI on your spine in December, bill it to your insurance, and pay $3,300 because of an unmet deductible? Or, should a member pay a cash pay price of $800, don’t bill insurance, fully knowing your deductible is going to reset January 1st irregardless? 

Direct Primary Care is TRULY PATIENT-CENTERED. Not only are we advocating for our patients health and well-being, we are also advocating for their financial health and well-being by helping our members navigate an often confusing medical system in a fiscally responsible manner. 

**You cannot sign up for a HDHP through DPC, however, we can get in touch with a licensed health insurance agent who can**

Contact DPC directly to learn how Health Savings Accounts (HSA) can be used for most DPC expenses.

CHOOSE YOUR SOLUTION

DPC Only

While DPC does not recommend being without major medical coverage, having a DPC membership can help protect you from inflated insurance-based pricing for 70-90% of the care you will need in your lifetime.

Cost Sharing Plan + DPC

DPC provides preventative, primary, and urgent care services while cost-sharing networks offer to share major medical expenses. Pairing the two costs 20-60% less than more typical health insurance.

High Deductible Health Plans + DPC

DPC staff help you navigate the healthcare system in a fiscally intelligent manner to help reduce your out of pocket costs. With our help, members generally save 30% on healthcare expenses annually.

Contact Us

212 E Central Avenue, Suite 360 Spokane, WA 99208

(509) 553-0565

mattd@mydpcclinic.com

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