Direct Primary Care is a membership-based healthcare model that gives you direct access to your physician without many of the barriers found in traditional insurance-based healthcare. Instead of billing insurance for office visits, patients pay a monthly membership fee that covers many primary care services and allows for a more personal relationship with their doctor.

No. While both models focus on personalized care and increased access to your physician, Direct Primary Care is generally more affordable and is designed to be accessible to individuals and families. Concierge medicine often bills insurance in addition to charging a membership fee, while Direct Primary Care typically operates outside of the traditional insurance model.

Many members join not because they need frequent appointments today, but because they value having a physician who knows them and is available when unexpected concerns arise. Your membership includes access to your physician, longer visits, telehealth options, after-hours communication, preventive care, and continuity of care. Many patients find peace of mind in knowing they have direct access to care when they need it.

No. Health insurance can still be very important for services outside the scope of primary care, including: • Emergency room visits • Hospitalizations • Specialist care • Advanced imaging • Surgical procedures • Prescription medications (depending on your plan) • Certain laboratory services Direct Primary Care is designed to complement your healthcare coverage, not necessarily replace it.

Yes — beginning January 1, 2026, you can use your Health Savings Account (HSA) to pay for your Direct Primary Care (DPC) membership tax‑free. This change comes from the One Big Beautiful Bill Act (OBBBA), which officially recognizes DPC as a qualified medical expense under IRS rules. Why it matters:   Before 2026, DPC memberships were treated like insurance premiums, so HSA funds couldn’t be used. The new law updates IRS Code Section 213(d) to include DPC service arrangements — closing that gap and making HSA + DPC a fully compatible, tax‑advantaged option. How it works: Eligibility: You must have a High‑Deductible Health Plan (HDHP) and an active HSA. Payment: You can pay your DPC membership directly from your HSA or reimburse yourself later. Limits: The IRS allows up to $150 per month for individuals and $300 per month for families. Tax Benefits: Contributions are pre‑tax, and withdrawals for qualified medical expenses — including DPC fees — are tax‑free. HSA regulations can change over time and depend on your specific plan. We recommend consulting your tax advisor, accountant, benefits administrator, or financial professional regarding current HSA eligibility and reimbursement rules.

We strongly recommend maintaining health insurance or a healthcare cost-sharing plan. Major accidents, hospitalizations, surgeries, and serious illnesses can result in significant medical expenses. Direct Primary Care provides comprehensive primary care services but is not designed to replace protection against large, unexpected healthcare costs.

Many concerns can still be addressed through phone communication or telehealth services, depending on the situation and applicable regulations. If you are traveling or spending part of the year elsewhere, we can often help guide your care and determine the most appropriate next steps. In emergency situations, always seek immediate local medical care.

No. This office does not provide prenatal care or delivery services. However, we would be happy to help you identify and connect with appropriate obstetric care should the need arise.

Yes. Family medicine includes care for patients of all ages, from children through older adults.

Appointment availability varies based on demand, but one of the primary goals of Direct Primary Care is improved access to care. We strive to provide timely appointments and responsive communication when health concerns arise.

Yes. Members have access to after-hours phone communication for urgent concerns. Direct Primary Care is designed to improve access and communication between patients and their physician. For medical emergencies, always call 911 or go to the nearest emergency room.

Yes. If you decide Direct Primary Care is no longer the right fit for you, simply contact the office at 269.786.6010. Membership cancellations will be prorated and processed beginning with the next 30-day billing cycle.