25/07/2026
I have heard many people ask me what is Direct Primary Care and why don’t you take insurance?
Direct Primary Care (DPC) is a membership-based model where you pay your primary care practice a flat monthly fee (typically in the $50–$150 range for adults) that covers most or all routine primary care services. The practice does not bill insurance for those visits.
This removes the insurance middleman from day-to-day care and creates several clear advantages for patients:
1. Longer, Unhurried Visits
Traditional practices often run on tight insurance-driven schedules (sometimes 7–15 minutes per patient). In DPC, appointments commonly last 30–60 minutes or more. You have time to fully discuss concerns, ask questions, and address multiple issues in one visit.
2. Much Better Access
• Same-day or next-day appointments are the norm in most DPC practices.
• Direct communication with your provider is common (phone, text, email, or video).
• Many practices offer after-hours access to a real physician instead of a nurse line or urgent care.
3. A True Provider–Patient Relationship
DPC providers keep far smaller patient panels (often 400–800 patients versus 2,000–3,000+ in traditional practices). This means your provider actually knows you, your history, and your preferences—leading to more personalized and continuous care.
4. Transparent, Predictable Costs
You know exactly what you’ll pay each month. There are no copays, deductibles, or surprise bills for covered primary care visits. Many practices also negotiate steep discounts on labs, imaging, and medications (often near wholesale prices).
5. Less Paperwork and Hassle
No insurance claim forms, prior authorizations, or coverage denials for routine care. The focus stays on your health instead of billing codes.
6. Stronger Emphasis on Prevention and Whole-Person Care
With more time and fewer volume pressures, DPC providers can focus on preventive care, chronic disease management, and coordinating your overall health rather than just treating acute problems.
Important Things to Know
• DPC is not health insurance. It covers primary care only. You still need insurance (often a high-deductible plan) for hospitalizations, specialists, major procedures, and emergencies.
• As of 2026, HSA funds can generally be used for DPC membership fees (within IRS limits).
• Practices intentionally limit new patients so they can maintain the higher level of access and attention.
In short, Direct Primary Care trades the traditional insurance-driven, high-volume model for a simpler, relationship-focused approach that prioritizes time, access, and transparency. Many patients find it especially valuable if they’re tired of rushed visits, long wait times, or unpredictable out-of-pocket costs for everyday care.
Check us out @ www.WellsFamilyMedicine.com
Direct Primary Care clinic at 126 NH-27, Raymond, NH. No insurance required — affordable monthly subscriptions and transparent fee-for-service pricing. Scott Wells, FNP-C.