Frequently Asked Questions

Direct Primary Care (DPC) is a membership-based model of primary care. Instead of billing insurance for every visit, you pay a simple monthly membership fee that covers unlimited primary care. This removes the insurance middleman, allows longer visits, same/next-day appointments, and direct access to your provider.

Most people save money because there are no co-pays, no deductibles for primary care, and no surprise bills for office visits. Screening labs at your new-patient visit and annual wellness exam are included, additional labs are available at wholesale price, and many common medications are available on-site as unit-of-use for an additional charge (not covered by the monthly membership fee); when a medication isn’t stocked here, we help you find the lowest-cost option. Pairing Cove DPC with a health-sharing ministry for hospital and specialist bills is often far less than a traditional insurance premium — compare both paths with our free savings calculator.

Yes. Even healthy people benefit from easy access, preventive care, longer visits, and having a provider who actually knows them. Many members appreciate the peace of mind of being able to text or call when something comes up, without worrying about co-pays or waiting weeks for an appointment.

No. Concierge practices usually still bill insurance and charge a high additional membership fee (often thousands of dollars per year). Direct Primary Care does not bill insurance at all and keeps monthly fees much lower and more accessible.

Children 2–18: $35/month. Adults 19–44: $65/month. Adults 45–64: $75/month. Adults 65+: $85/month. Family maximum: $200/month. See the full details on our Pricing page.

Unlimited office visits, same-day or next-day appointments, 24/7 direct access (call, text, or email), no co-pays or visit fees, longer unhurried appointments, preventive care, chronic disease management, acute care, coordination of referrals when needed, screening labs at new-patient and annual wellness visits, and additional labs at wholesale price. Medications dispensed on-site are an additional charge (not covered by the monthly membership fee); when a medication isn’t stocked here, we help you find the lowest-cost option.

Yes. Screening labs during your new-patient visit and annual wellness exam are included in membership. Any additional labs are available at wholesale price, and you will always know the cost before they are ordered. Additional lab costs are added to your next monthly bill — not charged at the time of service or when ordered.

Yes. Cove dispenses many common unit-of-use medications on-site for members. Medications are an additional charge and are not covered by the monthly membership fee. You’ll know the cost in advance, and any medication cost is added to your next monthly bill — not charged at the time of service. If a medication isn’t available in the office, we help you find the lowest-cost option elsewhere.

We provide comprehensive primary care for children, adults, and seniors. This includes acute illnesses and injuries, chronic disease management (such as diabetes, high blood pressure, high cholesterol, asthma, and more), mental health support, preventive care, wellness visits, sports medicine, and simple in-office procedures.

Membership covers primary care only. When you need specialist care, hospital care, imaging, or surgery, we help coordinate referrals and can often point you toward lower-cost options. You can use insurance, a health share, or pay cash for those services.

Yes. Children ages 2–18 can join for $35 per month. The family maximum of $200 per month covers everyone in the household. For infants under 2, call or schedule a Meet & Greet — we’ll talk through the best fit.

Yes. Members have 24/7 direct access to their provider by phone or text for urgent needs. This is one of the biggest advantages of the DPC model.

You can still reach your provider by phone or text. We can often help guide care remotely or coordinate with local providers when needed.

We do not sell or share your records with pharmaceutical companies or for marketing purposes. We only share records when required by law or when you request us to send them to another provider. See our Privacy page for how this website handles information.

Screening labs at your new-patient visit and annual wellness exam are included. In-office procedures have no additional charge; the only extra can be a pathology fee if a biopsy is sent to a pathologist. Additional labs, medications, and any pathology fees are not charged at the time of service or when ordered — they are added to your next monthly bill. You’ll always know the cost in advance.

You may cancel your membership with written notice according to the terms in the Patient Agreement. We make the process straightforward.

Once your membership is active, you can usually be seen the same day or next day. Many new members schedule their first visit within a few days of joining.

Yes. In addition to in-person visits, members can communicate with their provider by phone, text, or video when appropriate.

You can enroll online in just a few minutes, or start with a free Meet & Greet to ask questions first.

Schedule a Free Meet & Greet·Enroll Now

No. Cove DPC does not bill any insurance plans for primary care services. This is intentional — it allows us to keep visits longer, avoid prior authorizations, and focus completely on you.

Yes. Many of our members are uninsured or underinsured. DPC works very well for people without traditional insurance.

We strongly recommend that members maintain some form of coverage for major medical events (hospitalization, surgery, specialist care, etc.). Many members pair Cove DPC with a high-deductible health plan or a health share ministry.

Yes. Because we do not bill Medicare, Medicare beneficiaries can still join Cove DPC as private-pay members.

Yes, we accept HSA cards. Starting in 2026, federal law allows HSA funds to be used for qualifying direct primary care memberships, generally up to $150 a month for one person or $300 for a family. Our rates are below those limits. You and your HSA administrator decide whether a specific expense qualifies, so check with them or your tax advisor. This isn't tax advice.

It depends on your situation. Please ask your tax advisor how membership fees apply to you.

Employers who offer DPC often see better employee retention, higher satisfaction, improved productivity, and more predictable healthcare costs. Employees get better access to care and fewer barriers.

By providing easy access to primary care, employees are less likely to use expensive urgent care, emergency rooms, or delay care until problems become more costly. The flat monthly fee is also easier to budget than traditional claims.

Yes. Employers can pay any percentage of membership and/or additional fees (labs or medications), or any combination. We can work with you on group enrollment, invoicing, and the coverage mix that fits your team.

It is straightforward. We can help with group enrollment and simple monthly invoicing. Start by scheduling a conversation or using the Employer Coverage Comparison to see DPC next to a group plan, an HRA, or offering nothing.