What Is Direct Primary Care?Do You Really Have Health Insurance?
Understand your plan. Take control of your health.
How High Deductible Health Plans (HDHPs) Work
1. You Pay
Monthly Premiums
You pay every month, no matter your health status.
2. You Pay More
Deductible
You pay 100% of costs until your deductible is met.
3. You Share
Copays / Coinsurance
You pay a portion of costs after the deductible.
4. You're Protected
Out-of-Pocket Maximum
Insurance pays 100% after you reach your out-of-pocket maximum.
The Reality
- Deductibles can be $2,000 to $8,000+ for individuals.
- Routine care, labs, and medications often come out of your pocket.
- You may pay thousands before insurance starts helping.
- Premiums are high, but coverage is limited until you're in crisis.
The Truth
- HDHPs can protect you from major, catastrophic costs.
- They negotiate lower rates with hospitals and providers.
- Great when paired with an HSA and smart health strategy.
- But it's not the best choice for everyday care.
A Smarter Way: HDHP + Direct Primary Care (DPC)
Use your HDHP for major protection. Use Direct Primary Care for affordable, accessible everyday care—without deductibles or copays.
You're In Control.
Real Protection
when it matters most.
Affordable Care
when you need it most.
Better Health
every step of the way.
Smarter Healthcare
for a healthier you.
Smart choices today. Better health tomorrow.
DISCLAIMER: The information provided in this flyer is for educational purposes only and does not constitute legal, insurance, or medical advice. You are responsible for verifying all information regarding your own health plan, coverage, benefits, and provider participation. Coverage details and costs can vary. Please review your plan documents and contact your insurance provider for the most accurate and up-to-date information.