FOR Individuals
Frequently asked questions about primary care that actually works for you.
Answers to the questions individuals and families ask most often about Direct Primary Care, membership costs, and finally getting the doctor’s office experience you deserve.
Healthcare benefits is genuinely complicated.
You don’t have to read 31 questions to get an answer. if you’d rather just talk to someone, we’ll walk you through it – no pressure, no jargon.
quick reference
Acronym cheat-sheet
Healthcare benefits has its own vocabulary. Here’s the shorthand you’ll see below – bookmark it or skip ahead.
DPC
Direct Primary Care
A flat monthly membership for unlimited primary care – no copays, no insurance billing.
HSA
Health Savings Account
A tax-advantaged savings account paired with an HDHP. As of 2026, DPC fees are HSA-eligible.
FSA
Flexible Spending Account
An employer-sponsored savings account that lets you set aside pre-tax money to pay for qualified out-of-pocket medical expenses.
Understanding Direct Primary Care
Learn the basics of the DPC model and how it puts the focus back on the patient-doctor relationship by removing the insurance middlemen.
DPC is a healthcare model where you pay a flat monthly membership fee for unlimited primary care — instead of paying per visit or going through insurance. No copays or deductibles for the care that’s covered.
We don’t bill insurance, which gives us more time per visit. You get longer appointments, direct access to your provider, and a more personalized approach to your care.
Yes, of course. Most of our members use us as their primary care home.
No. You can keep your primary care provider if you’d like and just use us for acute illness or injury services.
Memberships & Costs
Clear, predictable pricing with no surprise bills or hidden fees. Find out what it costs to cover yourself or your entire family.
$75/month per adult. $45/month covers all your children, up to 8 total.
Yes — we offer individual, family, and child memberships
Yes — both HSA and FSA funds can be used to pay for your Member Medical membership.
Medicare can be used for labs at our office. The membership itself isn’t billable to Medicare — it’s paid out of pocket (or via HSA/FSA).
Yes — you can cancel your membership anytime.
Your Care & Access
Discover how same-day appointments, unhurried visits, and direct text access to your doctor change the way you experience healthcare.
Unlimited visits, prompt appointment scheduling, direct text and call access to your provider, in-clinic procedures, basic preventive care, and discounted member rates on labs, medications, and imaging.
For acute issues, you can usually get in the same-day or next-day. Routine visits are scheduled promptly.
Yes. As a member, you have direct text, call, and video access to your provider for issues that don’t require an in-person visit.
Yes. Annual physicals are included in your membership at no extra charge.
We provide ongoing chronic care management as part of your membership — regular visits, lab monitoring at member rates, and medication management. This is exactly the kind of care DPC was built to handle.
Insurance, Labs & Specialists
See how Member Medical pairs with your existing health insurance to handle hospitalizations, specialty care, and heavily discounted labs.
No, we don’t replace insurance — we pair nicely with a high-deductible insurance plan.
Yes. Your insurance still works for everything outside of our office — hospital visits, specialists, surgeries, ER. We complement your insurance, not replace it.
Specialists are still covered by your insurance, just like any other provider. We can help refer you and coordinate care.
Hospitalizations go through your insurance. We don’t bill for hospital stays — that’s outside of primary care.
We work hand-in-hand with our lab partner to provide labs at discounted member rates — significantly lower than what you’d typically pay through insurance.
We work with our pharmacy partners to offer prescriptions at discounted member rates — often significantly lower than what you’d pay through insurance.
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