If you decide to cancel your membership, just give us a 30-day notice—no hassle. If you’ve signed up for an annual term and choose to cancel, we’ll simply refund the remaining balance of your membership. We’re always here to make the process smooth and straightforward for you!

HSA and FSA debit and credit cards are accepted. We take check, cash, credit card, debit cards and ACH. For more specifics on HSA/FSA funds, please consult your accountant.

No, direct primary care is not an insurance plan. The monthly membership is for comprehensive, all-inclusive primary care services. See our list of services included in your membership.

Absolutely. Although we recommend everyone carry high deductible insurance or health sharing coverage, we do not turn anyone away due to lack of insurance. At PridePoint Health, we do our best to make comprehensive primary care affordable for those with or without insurance.  We pack a lot of value into your membership. Our Direct Primary Care memberships include as many services as possible in your plan and get you wholesale pricing on labs and imaging studies, with discounts ranging from 50-90% off. 

While a well-trained primary care physician can provide up to 90% of your healthcare needs, we do recommend pairing DPC with a low-cost health plan that covers for unforeseen major health events. This is similar to how we think about car insurance. We pay out of pocket for affordable, preventative maintenance and repairs, but carry insurance to limit financial risk in case of unforeseen catastrophic events, such as a major car accident. This is a more efficient, cost-saving model that avoids the unnecessary administrative and financial burdens of dealing with insurance companies. These companies are incentivized to maximize your premiums and limit your payouts, which creates a lot of headaches for you and your mechanic when all you want is an air filter change.

We apply a similar model, allowing us to save on time and overhead costs and pass this on to our patients by providing far more value.

PPO (preferred provider organization) and POS (point of service) plans work well in combination with direct primary care as there are no restrictions on specialty referrals or lab/imaging orders. HMO (health maintenance organization) plans are not ideal, because they’re more restrictive and require an “in network” assigned primary care provider for orders and referrals to specialists in their network. We can work with you if you are in an HMO, but you will likely need to find a PCP that is willing to transcribe orders and help with referrals.

High deductible health plans (HDHP) under your PPO or POS work best, as these plans typically save you hundreds of dollars in monthly premiums and have you covered in case catastrophic health emergencies arise. Many folks carry high deductible plans these days. More employers are offering HDHP’s and they’re widely available on the healthcare marketplace. DPC helps alleviate the biggest stressor that come with these plans — the inflated, hidden, out of pocket costs for every interaction within the fee for service healthcare system. Even the most comprehensive, gold-standard low-deductible plans include co-pays and other hidden costs, yet still cost several hundred dollars more a month than our membership. By choosing a more affordable, high-deductible plan and pairing with DPC, you can save money while maintaining access to the highest quality, transparent healthcare available. 

If you don’t qualify for medicaid, a health sharing program could be an affordable way to protect yourself from unforeseen medical expenses. Health share programs have been around since the 1980s and offer a low-cost alternative to traditional insurance. These programs are made up of members who pool their resources to help cover each other’s medical costs. However, unlike insurance, health shares aren’t regulated and don’t have to cover pre-existing conditions or meet the mandates of the Affordable Care Act. That said, they can be a good option for those unable to afford high-deductible insurance or looking for a cost-effective way to limit financial risk for larger medical expenses beyond their direct primary care membership.

While your PridePoint Health membership covers all-inclusive, comprehensive primary care, a health share can help with bigger expenses like emergency care, hospitalizations, specialty care, and surgeries. Together, a DPC membership and a health share plan are often much more affordable than even the lowest-cost insurance premiums. For instance, Zion Healthshare offers plans starting at just $80 per month.

Remember, insurance companies don’t deliver healthcare. So while having great insurance is helpful, it doesn’t necessarily mean you’re getting great healthcare. The good news is that we can help!

Although we don’t bill insurance directly, you can continue using your insurance for services outside of our care, like medications, lab work, imaging, and specialist referrals. Our membership model is designed to simplify your primary care experience—no co-pays, deductibles, or surprise bills—while offering personalized, comprehensive care. Many patients find that our all-inclusive services, along with wholesale pricing on labs and medications, actually save them money. Pairing DPC with a lower-cost, high-deductible plan can often provide the best of both worlds: affordable coverage and exceptional care.