If you’re evaluating healthcare options for yourself or your team this year, cost and accessibility are likely at the center of your decision. And here’s the truth most people don’t realize: whether you have a high-deductible health plan, a traditional copay-based insurance plan, or no insurance at all, you’re likely spending more on basic, everyday healthcare than the annual cost of Direct Primary Care.
At Integrative Family Medicine, Direct Primary Care (DPC) membership starts at $102-122/month for individuals and $105/month for business members. That single, predictable monthly fee covers unlimited primary care access, longer visits, same/next-day appointments, chronic condition support, discounted labs, and prevention that reduces emergency and urgent care use.
In short: DPC bypasses insurance barriers, improves access, and replaces reactive care with relationship-driven prevention. For many, it isn’t just a healthcare upgrade—it’s a strategic financial decision.
But, how exactly does a membership at Integrative Family Medicine save you money?
For People with High-Deductible Plans (HDHP/HSA)
Most HDHP members pay out of pocket until they hit a $3,000–$7,000 deductible. Even ordinary healthcare needs often exceed the annual cost of DPC.
Example 1: Sick Season
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Two urgent care visits
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Flu/strep testing
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Two rounds of antibiotics
Total: $410–$730
One winter can cost half—or more—of a DPC membership without offering improved access or prevention.
Example 2: “Small Scare”
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Urgent care visit
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ER referral (very common under HDHP rules)
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Imaging + labs
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Follow-up visit
Total: $1,050–$4,900
One unexpected event can cost 3–10 times more than a full year of DPC.
DPC Advantage:
Most issues are handled quickly in primary care, avoiding urgent care and ER altogether.
For People with Traditional PPO/Copay Plans
Even with “good insurance,” copays and gaps add up fast.
Example 1: Two Urgent Care Visits
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Copays + tests + antibiotics
Total: $220–$430
You’re still paying extra—while waiting days or weeks to be seen.
Example 2: Annual Physical + Labs
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Copay + lab charges + sick visit
Total: $485+
Insurance covers the visit—but not the cost of everything attached to it.
DPC Advantage:
More access, fewer copays, and dramatically reduced lab costs.
For People Without Insurance
Without insurance, everything is paid in cash—and it adds up quickly.
Example 1: Two Illnesses a Year
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Two urgent care visits
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Rapid tests and medications
Total: $410–$730
Two simple infections can cost half—or more—of DPC.
Example 2: One Annual Checkup + Labs
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Visit
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Standard labs
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Follow-up
Total: $440–$860
Routine care alone can match the cost of an annual membership.
DPC Advantage:
Predictable monthly payments instead of unpredictable medical bills.
What This Means for You—and Your Budget 
Regardless of insurance type:
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Most individuals already spend up to or more than a DPC membership/year on basic care
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Most businesses pay even more in productivity loss, absenteeism, turnover, and high-cost claims
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DPC reduces downstream costs by treating issues early, effectively, and affordably
Direct Primary Care isn’t just a medical model—it’s a cost-stabilizing strategy.
The Bottom Line
Whether you are:
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insured
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under-insured
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uninsured
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or responsible for a team of people who depend on access to care
DPC provides:
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same/next-day visits
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longer appointments
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unlimited contact
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wholesale labs and medications
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preventive primary care that avoids expensive escalation
Better health. Predictable cost. Stronger financial footing.
Is It Time to Explore DPC for Yourself or Your Business?
Individuals: $102-$122/month
Businesses: $105/month per employee
If you’re ready to reduce out-of-pocket costs, avoid urgent care spending, and improve access, let’s talk.
Contact: [email protected]