$35
per month
Children 2–18
Simple, Transparent Pricing
One monthly membership. No co-pays, no deductibles, no surprise bills.
Monthly Membership Fees
Pricing is based on age. Families pay a maximum of $200 per month no matter how many members are enrolled. Membership starts at age 2 — call or schedule a Meet & Greet for infants.
$65
per month
Adults 19–44
$75
per month
Adults 45–64
$85
per month
Adults 65+
Most families remember this number
$200
per month maximum, whole household
Typical insurance vs. Cove
| Typical insurance | Cove DPC | |
|---|---|---|
| Everyday visits | Copay, often a 2–4 week wait | Unlimited, same or next day |
| After hours | Nurse line or the ER | Text or call your provider |
| Who you see | Whoever is on the schedule | Will — someone who knows you |
| Primary-care bills | Deductible, copays, surprise statements | None. Membership covers the visit |
| Labs | Billed after deductible, often hundreds | Screening labs included at new-patient and annual visits; additional labs at wholesale |
| Typical monthly cost | ~$500 individual · ~$1,000–$1,450 household | $65–$85 per adult, $200 family maximum |
How people actually use Cove
Membership is primary care. Pair it with coverage for hospitals — and you can pay membership with an HSA.
1
Cove for everyday care
Membership covers visits, texts, prevention, and chronic care — no copays and no insurance billing.
2
A plan for the big stuff
Pair Cove with a high-deductible plan or a health share for hospitals, imaging, and specialists.
3
Pay membership with an HSA
Membership fees can be paid with HSA funds (up to $150/month individual or $300/month family).
What’s Included in Your Membership
- Unlimited office visits
- Same-day or next-day appointments
- 24/7 direct access to your provider (call, text, or email)
- No co-pays or visit fees
- Longer, unhurried appointments
- Preventive care and wellness visits
- Chronic disease management
- Acute care (colds, infections, injuries, and more)
- Coordination of care and referrals when needed
- Screening labs at new-patient and annual wellness visits
- Additional labs at wholesale price
- Help finding the lowest-cost option when medications are prescribed
Note: Membership covers primary care services, including screening labs at your new-patient visit and annual wellness exam. Additional labs are available at wholesale price. Outside services such as specialist visits, hospital care, imaging, or certain procedures are billed separately (often at discounted rates we help arrange).
See How Much You Could Save
Use our free calculator to compare typical insurance costs with Cove DPC plus a health share.
Ready to get started?
Schedule a free Meet & Greet or enroll online today.