PridePoint vs Insurance-Based
Primary Care:
Better Care, Lower Costs
Tired of Paying More and Getting Less?
With PridePoint’s Direct Primary Care, you save money and get direct access to your physician—without the headaches of insurance.
- No copays or surprise bills: all visits included, most in-office procedures included (some ≈ $5).
- Medications 60–80% less, dispensed at our at-cost wholesale prices.
- Labs 90–95% less with negotiated cash rates.
Keep your HDHP for catastrophic coverage—use PridePoint for everyday care and real savings.
Explore How our Membership
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Real Savings, Transparent Costs
Insurance-driven primary care piles on hidden costs. With PridePoint, your care is included in membership — and labs and medications are passed through at wholesale prices. Here’s how it compares side by side:
HDHP = High-Deductible Health Plan
| Category | HDHP + Traditional System | HDHP + PridePoint | Estimated Savings |
|---|---|---|---|
| Primary care visits avg. 3 visits/year |
$540–$1,275 $180–$425 per visit |
$0 included in membership |
$540–$1,275 |
| In-office procedures EKG, cryo, biopsies, injections |
$150–$600+ per episode |
$0 (most) some ≈ $5 |
$140–$600+ |
| Routine labs (annual set) cholesterol, A1C, thyroid, etc. |
$500–$1,000 retail pricing |
$50–$75 negotiated rates |
$450–$950 |
| 3 common generic meds 90-day fills × 3 meds |
~$360/year $30 per med per 90 days |
~$60/year at-cost |
~$300/year |
Access & Experience
Beyond saving money, members choose PridePoint for the experience: direct access to your physician, unhurried visits, and same- or next-day care that prevents small issues from becoming big ones.
Typical Experience
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Phone trees & long holds Requests go through portals and call centers before you reach a clinician.
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Rushed visits (7–15 minutes) Limited time to address more than one concern.
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Delayed access Days to weeks for appointments; urgent care bills for same-day needs.
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Surprise billing Copays, facility fees, out-of-network charges you didn’t expect.
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Fragmented care Rotating providers; brief follow-up and limited messaging.
What You Get
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Direct physician access Call or text between visits; same- or next-day scheduling.
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Unhurried appointments Longer visits so we can address all your concerns thoroughly.
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Continuity with your own doctor Relationship-based care that knows you and your goals.
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Transparent, predictable pricing Visits included; labs & meds at our at-cost wholesale rates.
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Care that prevents ER/urgent visits Fast access and proactive follow-up keep you healthier (and spending less).
Case Example: Alex (29 years old)
Alex is 29 and has struggled for years with anxiety, pre-diabetes, and asthma. In the traditional system, every respiratory illness meant waiting weeks, seeing a new provider each time, and feeling rushed. After joining PridePoint, Alex finally has continuity with the same doctor, direct access when asthma flares, and time to work through prevention. Together with Dr. Coe, Alex starts SMART therapy for asthma, identifies some areas to improve their diet, and begins metformin after a clear risks/benefits discussion. They also get an in-clinic cryotherapy treatment for genital lesions (a small at-cost fee) instead of a costly referral. Result: better control, less stress, and predictable costs. With an HDHP + HSA, Alex can even pay for membership with his pre-tax HSA, effectively bringing his membership to $66 per month.
“Alex” — 29, Anxiety, Pre-Diabetes, Asthma
After years of rushed visits and bouncing between providers, Alex joins PridePoint for direct access and consistency in care.
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Primary care visits: $0 — unlimited, same doctor every time (vs ~$600+ before deductible)
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Procedure (cryotherapy): ≈ $5 (vs $200+ in-network retail)
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Routine labs (2 sets/year): $100–$150 (negotiated) (vs $500–$1,000)
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Meds (metformin + 2 generics): ≈ $60/year (at-cost) (vs ~$300/year)
• With membership ($99/mo × 12): ~$1,353–$1,403
• Prior PPO model: ~$3,500–$5,000
Estimated savings: ~$2,100–$3,600/year
Case Example: Taylor (46 yo)
Taylor is 46 with thyroid disease and high blood pressure. For years they’ve chosen their employer’s premium PPO plan, which carried a low deductible and copays. Their cost-share was $220/month and their employer covered the rest. The appeal was peace of mind — knowing that if they got sick, they wouldn’t face large bills. But despite the higher premiums, Taylor still waits weeks for appointments, feels rushed, and pays copays for each prescription.
Switching to their employer’s high deductible plan (HDHP)—which has no monthly employee contribution—and joining PridePoint transformed their healthcare experience. Now they text their doctor, schedule easily, and get unrushed visits. Their levothyroxine, amlodipine, and lisinopril cost under $10 total per 90 days at wholesale rates.
Because PridePoint membership qualifies for HSA/FSA, Taylor keeps their invoices and plans to eventually use pre-tax, HSA dollars to pay for membership — effectively dropping the $119 fee to about $80.
Bottom line: Taylor saves money each month, gains flexibility with an HSA, and trades the false reassurance of an expensive insurance plan for the real security of direct, continuous access to their physician.
“Taylor” — 46, Hypothyroidism & Hypertension
Taylor used to pay $220/month toward a PPO “premium” plan for peace of mind, but still faced rushed visits, waits for care, and $10 prescription copays. Switching to the $0-contribution HDHP and PridePoint changes everything.
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Primary care visits: $0 — unlimited, direct access to their physician
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Medications: Levothyroxine + amlodipine + lisinopril ≈ $10/90 days total (vs $10 copay each)
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Routine labs: $50–$75 per set (negotiated rates) (vs ~$400/year with PPO)
With membership: $119/mo × 12 + care → ~$1,628–$1,748
Prior PPO model: premiums + copays → ~$3,040
Estimated savings: ~$1,300–$1,400/year
Case Example: Bryan (68 years old)
Bryan is 68 and on Medicare. Rather than choosing a Medicare Advantage plan, he enrolls in traditional Medicare with a high-deductible Medigap Plan G. This combination gives him maximum flexibility, nationwide access to providers (especially valuable when traveling), and frees him from the network restrictions, prior authorizations, and red tape that often come with Advantage plans. With Medigap, Bryan can see any specialist who accepts Medicare, avoid surprise bills, and rely on PridePoint for a consistently high-quality primary care experience.
By pairing a lean Medigap plan with his PridePoint membership, he enjoys unlimited direct access to his doctor, wholesale-priced labs and medications, and predictable out-of-pocket costs — all while maintaining strong financial protection for hospitalizations and specialty care through Medicare.
“Bryan” — Medicare + PridePoint
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Primary care visits: $0 — unlimited with PridePoint membership
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Labs: $50–$75 per set at wholesale (vs. billed rates that often exceed $200 retail)
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Medications: Common generics (thyroid + BP meds) ≈ $10/90 days total — vs. $10 copay each under many plans
• Medicare Part B $185 + High-Deductible Plan G $50 + Part D $25 + PridePoint $139
• Unlimited primary care + wholesale labs/meds + full hospital/specialty protection
Is Direct Primary Care Right For You?
If you want better access to your physician, clear pricing, and lower day-to-day costs, DPC is a strong fit—especially with a high-deductible plan for catastrophic coverage.
Who Benefits Most
Quick FAQs
Do I still need insurance?
How do labs and medications work?
Can I use HSA/FSA?
Do you accept Medicare-eligible patients?
Ready to Join?
Get started online today by signing up for your membership. Not sure yet? Book a free intro call to meet your physician and see if we’re the right fit.