Q: Do you accept insurance?

No. We do not bill insurance for primary care services. However, many patients still keep insurance (often a high-deductible plan) for things like hospitalizations, specialists, imaging, or emergencies. We’re happy to help coordinate your care when insurance is involved outside our office.

Q: What does the membership include?

Your membership includes: Annual physical exams and well-child visits Unlimited office visits Same-day or next-day appointments Longer visits (no rushing) Chronic disease management In-office procedures Direct communication with your physician by phone, text, or secure messaging There are no copays and no surprise bills for included services.

Question 1

What is Direct Primary Care (DPC)?

Accepted Answer

Direct Primary Care (DPC) is a healthcare model where patients pay a simple monthly membership fee directly to their doctor. This membership covers most primary care services and gives you direct access to your physician—without insurance getting in the way.
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By removing insurance from routine care, we’re able to spend more time with patients, offer transparent pricing, and focus on personalized, relationship-based medicine.

Question 2

Do you accept insurance?

Accepted Answer

No. We do not bill insurance for primary care services.
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However, many patients still keep insurance (often a high-deductible plan) for things like hospitalizations, specialists, imaging, or emergencies. We’re happy to help coordinate your care when insurance is involved outside our office.

Question 3

I have Medicare — can I still join your practice, and what kind of Medicare coverage works best with DPC?

Accepted Answer

Yes. Patients with Medicare are welcome to join. Our membership covers your primary care services directly and is separate from Medicare. Many patients choose to keep Medicare Part B for coverage of labs, imaging, specialists, and hospital care. Some also carry a supplemental (Medigap) plan for additional protection against larger medical expenses. We do not bill Medicare for services covered under your membership. If you have questions about how your specific Medicare coverage fits with our model, we’re happy to discuss it with you or put you in touch with an insurance broker who is familiar with this model.

Question 4

Can I still use my insurance for labs, imaging, or specialists?

Accepted Answer

Yes. If you have insurance, you can use it for services outside our practice.
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We can also help you access transparent, often lower-cost cash pricing for labs and imaging when that makes more sense than insurance.

Question 5

What does the membership include?

Accepted Answer

Your membership includes:
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Annual physical exams and well-child visits
Unlimited office visits
Same-day or next-day appointments
Longer visits (no rushing)
Chronic disease management
In-office procedures
Direct communication with your physician by phone, text, or secure messaging
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There are no copays and no surprise bills for included services.

Question 6

Are there any extra fees?

Accepted Answer

Most services are included in the membership fee.

Some services are not included in the membership, such as:
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Certain procedures
Medications dispensed in office
Labs or imaging done outside the practice
Certain forms, exams, or services required for employment or DOT certification​
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All pricing is transparent and discussed in advance. No surprises.

Question 7

How much does membership cost?

Accepted Answer

Individual
Ages 0-25: $40 a month*
Ages 26-44: $85 a month
Ages 45-64: $100 a month
Ages 65+: $125 a month

*$20 per child with 1 paying adult parent

Family
$200/month, includes two adult parents and two children up to age 25
Additional children: +$10/month per child up to age 25​​​

Question 8

Can I use my HSA or FSA?

Accepted Answer

In many cases, yes. DPC memberships are often eligible for payment using HSA or FSA funds, but rules can vary.
 
We recommend checking with your HSA/FSA administrator or tax professional for confirmation.

Question 9

Do you provide superbills to submit to insurance?

Accepted Answer

No. Because your care is covered by a monthly membership, there are no individual visit charges to submit to insurance. Insurance plans do not reimburse Direct Primary Care membership fees.

Question 10

Do you see children?

Accepted Answer

Yes. We provide care for children, adolescents, and adults, including well-child visits and routine pediatric care.

Question 11

What if I get sick or need to be seen urgently?

Accepted Answer

Because we limit the number of patients in our practice, we’re able to offer same-day or next-day appointments for urgent issues whenever possible.
 
You also have direct access to your physician for questions that may not require an office visit.

Question 12

What happens if I need a specialist or hospital care?

Accepted Answer

We help coordinate referrals and advocate for you throughout the process.
 
While specialist and hospital care are not included in the membership, we work with you to navigate insurance, find high-value options, and avoid unnecessary costs.

Question 13

Is this concierge medicine?

Accepted Answer

Not exactly.
 
While both models emphasize access and personalized care, Direct Primary Care is typically far more affordable and focuses on removing insurance bureaucracy rather than layering it on top.

Question 14

How do I join?

Accepted Answer

Coming soon...

Once we are ready to go live...

Patients known to Dr. Stephens will be able to schedule an appointment with the new practice.

For new patients to Dr. Stephens, a Meet and Greet will be available to schedule.

Question 15

Who is Direct Primary Care a good fit for?

Accepted Answer

DPC works especially well for:
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Anyone who values a direct relationship with their doctor
Individuals and families who want better access and continuity
People frustrated with rushed visits and long waits
Patients with chronic conditions who want proactive care
Those with high-deductible HSA-eligible insurance plans

Question 16

What if I decide it’s not for me?

Accepted Answer

There are no long-term contracts. You can cancel your membership at any time.

Frequently asked questions