Frequently asked questions
Is DPC insurance?
No. It is a membership for primary care. Most people still keep coverage for big events like a hospital stay.
How much does it cost?
It varies. A 2026 survey reported an average of about $98 a month, and AAFP material lists about $50 to $100. See prices. We cannot promise savings.
Does DPC take insurance?
Usually not for its own services. Ask each practice.
Can I use my HSA?
Since January 1, 2026, federal law lets people in certain DPC arrangements use an HSA. Confirm with a tax pro.
Does it cover emergencies?
No. Call 911 or go to the ER.
What about Medicare?
Medicare generally does not pay a DPC membership fee. Some DPC doctors opt out of Medicare. Ask the practice. For coverage choices, call 1-800-MEDICARE or a free SHIP counselor.
Can this site tell me what is wrong with me?
No. It cannot diagnose or suggest treatment. Talk to a licensed clinician.
Are practices on this site part of a network you run?
No. We show example cards and links to public directories. No practice has agreed to anything with us.
Does the chat save what I type?
No. The chat runs in your browser. It does not send or save your questions.