Frequently Asked Questions

Direct Primary Care is a membership model for primary care. Instead of billing insurance for every visit, you pay one flat monthly fee directly to the clinic. That means more time with your provider and less time on paperwork.

No. DPC is not health insurance. We don’t bill insurance for the care we provide, and we welcome everyone, insured or not.

Keep your coverage for the bigger things: specialist visits, imaging, specialty labs, vaccines, and hospitalization. We encourage every member to carry at least a catastrophic plan, and DPC pairs well with a high-deductible plan.

With insurance alone, everyday care still costs you: copays, office-visit charges, and bills that count toward a deductible you may never meet, often $1,000 to $5,000 or more, with coinsurance after that.

Membership covers your everyday primary care for one flat fee, including visits, in-office testing and procedures, and direct access to your provider. No copays and no surprise bills. Your insurance is there for the big things.

Yes, for HSAs. Since January 1, 2026, federal law allows a Direct Primary Care membership of $150 a month or less for an individual ($300 for a family) alongside a Health Savings Account, and the membership can be paid with HSA funds. Our adult ($100) and child ($50) memberships are each within that limit; for a larger household, check that your combined monthly total stays within $300.

FSA rules depend on your employer’s plan, so check with your FSA administrator.

We welcome Medicare patients at Care4Me Clinics. We only contract directly with the patient and do not bill Medicare for any of our services. You will be asked to sign a waiver to this effect.

You may still use your Medicare coverage for specialty care, diagnostic testing, and, of course, hospitalization. Our Medicare patients often find that they save a great deal of money when they purchase medications through our practice rather than retail or mail order pharmacies.

We no longer offer single visits. If you’re not a member and need to be seen, join today, and your visit is simply part of your membership.

If membership isn’t the right fit just yet, the CARE Pass gives one person five visits to use within 12 months. Contact us to learn more.

Directly, by phone, text, or email, with no phone tree. Office visits are Monday to Friday, 9 to 4, by appointment, with same-day or next-business-day availability. When something comes up after hours, members can still reach us for help.

Both. See your provider in our Brookfield office, or by video when that makes more sense. Your free Meet-n-Greet is a short Zoom call.

Most everyday needs are handled right here. When you need more, we’ll order the x-rays or imaging and refer you to the right specialist. Those services go through your insurance, which is why we encourage every member to keep coverage.

In a medical emergency, call 911.

You offer Care4Me membership as a benefit. Your employees get their own primary care provider they can reach directly by phone, text, or email, at no additional cost to them.

Care4Me can take care of 80–90% of your employees’ primary care needs, which means fewer claims for urgent care, ER visits, and specialists. Contact us for group pricing.

No. Membership covers everyday primary care, not specialists, imaging, or hospital stays, so it pairs well with a high-deductible plan.

If your business doesn’t offer health insurance today, it’s a meaningful benefit you can offer without running a health plan.

Yes. Since January 1, 2026, a Direct Primary Care membership of $150 a month or less per person no longer affects HSA eligibility, and our $100 adult membership is well within that limit.