Direct Primary Care: Unlimited Doctor Visits for $75-150/Month
Pay your doctor directly. No copays. No claims. No waiting weeks for an appointment. Over 2,000 DPC practices are changing how Americans access primary care, with average wait times of 15 minutes instead of the national average of 24 days.
Who Is Direct Primary Care For?
DPC is ideal for people who want better access to their doctor without the complexity and cost of traditional insurance for routine care.
Healthy Adults
Pay less than insurance premiums while getting unlimited access. Ideal if you rarely hit your deductible.
Families
Family DPC plans ($300-400/mo) replace $1,500+/mo family premiums. Kids get unlimited sick visits and checkups.
Small Business Owners
Offer DPC memberships to employees at a fraction of group insurance costs. No HR overhead or claim management.
Freelancers & Gig Workers
No employer insurance? DPC + catastrophic coverage costs 50-70% less than marketplace plans with better primary care access.
Early Retirees (50-64)
Bridge the gap before Medicare. DPC handles chronic disease management while a catastrophic plan covers emergencies.
Chronic Condition Patients
Diabetes, hypertension, thyroid conditions: DPC doctors have smaller panels (600 vs 2,500) and more time for ongoing management.
DPC vs. Insurance Cost Calculator
Enter your current healthcare situation below to see a personalized comparison between traditional insurance and Direct Primary Care + FairVisitHealth.
Your Information
Estimated Annual Savings with DPC + FairVisitHealth
$4,742-$5,357/year*
| Cost Category | Traditional Insurance | DPC + FairVisitHealth |
|---|---|---|
| Monthly cost | $450/mo | $154/mo |
| Annual visit costs (4 visits) | $120 | $0 Unlimited |
| Lab work | $150-$350 | $15-$30 |
| Imaging | $200-$500 | $50-$150 |
| Prescriptions (1 Rx) | $360/yr | $60/yr |
| Estimated Annual Total | $6,830-$7,330 | $1,973-$2,088 |
The Healthcare Independence Stack
Replace your expensive insurance plan with a smarter combination that covers everything you need, often for half the cost.
DPC Membership
- Unlimited office visits
- Same-day appointments
- 24/7 doctor access
- Basic labs included
- Wholesale medications
FairVisitHealth (FairPass)
- Cash-pay specialist pricing
- Imaging & procedure comparison
- Bill negotiation tools
- Price transparency across 9M+ providers
- Save 40-80% on non-primary care
HSA Contributions
- Pay DPC fees with pre-tax dollars
- Save for future medical expenses
- Triple tax advantage (deduction + growth + withdrawal)
- 2026 limit: $4,300 individual / $8,550 family
Catastrophic / Accident-Only Insurance
- Covers hospitalizations & emergencies
- Major surgery & trauma
- Cancer treatment coverage
- Peace of mind for worst-case scenarios
Total Healthcare Independence Stack
$250-350/month
vs. Traditional Insurance
$650+/month
Save $3,600-5,000+/year while getting better primary care access, transparent pricing, and tax-advantaged savings.*
How Direct Primary Care Works
DPC removes the insurance middleman from routine care. Here is what changes.
Pay a Flat Monthly Fee
You pay your DPC doctor $75-150/month directly. No insurance company involved. The fee covers all primary care visits, basic labs, and often medications.
Get Same-Day Access
DPC doctors limit their patient panels to 600-800 (vs. 2,500+ in traditional practice). This means same-day or next-day appointments, longer visits (30-60 min), and 24/7 phone/text access.
Save on Everything Else
DPC doctors negotiate wholesale rates on labs, imaging, and medications. For specialists and procedures, pair DPC with FairVisitHealth to find the best cash-pay prices.
Why DPC Patients Need FairVisitHealth
DPC covers primary care brilliantly. But when you need a specialist, imaging, or a procedure, FairVisitHealth fills the gap with transparent cash-pay pricing.
DPC Covers
- Unlimited office visits
- Annual physicals & wellness exams
- Basic lab work (CBC, metabolic, lipids)
- Minor procedures (stitches, injections)
- Chronic disease management
- 24/7 phone/text/video access
- Wholesale generic medications
FairVisitHealth Covers
- Specialist visit cash-pay prices
- MRI, CT, X-ray comparison shopping
- Surgery & procedure cost estimates
- Lab work price comparison (advanced panels)
- Bill negotiation scripts & tools
- Price alerts & provider reviews
- Dental, vision, Rx price lookup
DPC Frequently Asked Questions
Everything you need to know about Direct Primary Care, from costs to coverage to finding a practice near you.
Find DPC-Friendly Providers Near You
Search our database of 9M+ providers to find DPC practices, cash-pay doctors, and transparent pricing in your area.
Search ProvidersCalculate Your Savings
Use our free interactive calculator to see exactly how much you could save by switching to DPC + FairVisitHealth.
Open CalculatorUnlock Cash-Pay Prices with FairPass
Join FairVisitHealth for $29/month to access transparent pricing for specialists, imaging, procedures, and bill negotiation tools.
View PlansLearn: The $0 Deductible Life
Read our guide on building a healthcare strategy that eliminates deductibles, reduces costs, and puts you in control of your medical spending.
Read the BlogImportant: DPC Is Not Health Insurance
Direct Primary Care memberships cover routine primary care services only. DPC does NOT replace health insurance for hospitalizations, emergency care, specialist procedures, or major medical events. We strongly recommend maintaining at least a catastrophic or accident-only insurance plan alongside your DPC membership.