What Is Direct Primary Care?

DPC vs. Health Insurance

Smarter together.

CategoryDirect Primary Care (DPC)Traditional Health InsuranceTraditional Concierge Medicine
PURPOSE
  • Provides affordable, personalized, direct access to your doctor for comprehensive primary and preventive care.
  • Helps cover the cost of major medical expenses and unexpected events
  • Provides personalized, direct access to your doctor for comprehensive primary and preventive care.
COST
  • Simple, affordable monthly fee ($99/month at Pure Access Health)
  • No co-pays
  • No deductibles
  • No hidden fees or surprise bills
  • Simple monthly membership fee
  • Monthly premium, often with deductibles, copays & coinsurance
  • Yearly retainer fee $2,500–$3,000+
  • Insurance billed separately
  • Often works in conjunction with your health insurance plan
ACCESSIBILITY
  • Same or next-day appointments
  • Direct access to your doctor when you need it
  • Primary Care VisitsUnlimited visits included
  • Access to Your DoctorDirect text, phone, virtual & in-person access
  • Primary Care VisitsVisits may require copays and are subject to plan rules
  • Access to Your DoctorTypically through scheduled appointments and office staff
  • Dedicated care with limited membership to ensure provider availability
INSURANCE
  • No insurance required
  • Transparent pricing
  • Low cost medications
  • Reduced cost lab work
  • Reduced cost imaging services
  • Lab WorkCost varies depending on insurance coverage
  • ImagingCovered according to your plan benefits, along with applicable copays, deductibles, and other bills
  • MedicationsCost depends on formulary, pharmacy & insurance plan
  • Insurance BillingClaims submitted through your insurance plan
  • Works with your insurance for labs, imaging, and other services
  • Often works with your insurance
FOCUS OF CARE
  • Comprehensive primary care with attention to your overall health and wellness
  • Administrative & regulatory burden, imposed paperwork, imposed endless prior authorizations and network limitations.
  • Comprehensive primary care with attention to your overall health and wellness
RELATIONSHIP
  • Convenient, easy accessibility, consistent care with a limited patient panel.
  • Often regulated by barriers, limiting access, time, choice & personalized care in a rushed environment.
  • Convenient assessibility and consistent care with a limited patient panel, care with limited patient whole often still utilizing health insurance
PREVENTIVE CARE
  • Emphasis on prevention and long-term health
  • Usually covered based on plan benefits
  • Emphasis on prevention and long-term health
WHO IT'S FOR
  • Best for those who want more affordable and convenient access with a more simple, streamlined experience.
  • Individuals who want coverage for hospital, emergency & specialty care needs.
  • Best for those who want a concierge experience while keeping their insurance
HOSPITAL, EMERGENCY & SPECIALTY CARE
  • Hospitalizations & SurgeryNot covered
  • Emergency CareNot covered
  • SpecialistsReferral & coordination provided
  • Hospitalizations & SurgeryCovered according to your plan benefits, along with applicable copays, deductibles, and other bills
  • Emergency CareCovered according to your plan benefits, along with applicable copays, deductibles, and other bills
  • SpecialistsCovered according to your plan benefits, along with applicable copays, deductibles, and other bills
  • Hospitalizations & SurgeryNot covered
  • Emergency CareNot covered
  • SpecialistsReferral & coordination provided

Best Together

Direct Primary Care is not health insurance.

It is a healthcare membership designed to provide affordable access to primary and preventive care.

Many patients choose to pair DPC with a High-Deductible Health Plan (HDHP).