Understanding DPC
A simpler, more personal model of healthcare — built around you, not your insurance company.
The DPC Model
Direct Primary Care (DPC) is a membership-based healthcare model that removes insurance from the equation entirely. Instead of billing your insurer for every visit, you pay a simple, flat monthly fee directly to your doctor — and in return, you get unlimited access to comprehensive primary care.
Because DPC practices don't deal with insurance billing, doctors can keep their patient panels small — meaning more time, more attention, and more personalized care for every member. No more 10-minute appointments. No more waiting weeks to be seen. No more surprise bills.
At Refine DPC, we've built our practice around this model because we believe everyone deserves a doctor who truly knows them — and has the time to show it.
Side-by-Side Comparison
See how Direct Primary Care stacks up against the traditional insurance-based model.
Why It Works
Get seen the same day or next day — no weeks-long wait for an appointment.
Unhurried visits with your Provider. Time to actually talk through your health.
Text or call the Provider directly. No phone trees, no nurse callbacks, no runaround.
One monthly membership covers all your primary care. No copays, no surprise bills.
Your Provider knows your name, your history, and your goals — not just your chart.
We work directly with you, not insurance companies. Simpler, faster, better care.
Getting Started
01
Pick the membership tier that fits your household — Individual, Couple, or Family. All plans include unlimited primary care visits.
02
Sign up in minutes. No lengthy paperwork, no insurance forms. Just a simple monthly membership.
03
Schedule your first visit — a thorough, unhurried appointment to review your health history and set your care goals.
04
Access your Provider anytime by text, call, or in-person visit. Your health, on your schedule.
FAQ
They're similar but not identical. Concierge medicine typically layers on top of insurance and often charges higher fees. DPC is designed to be affordable and insurance-free, with transparent flat-rate pricing. At Refine DPC, memberships start at $95/month.
DPC covers your primary care needs, but it is not a replacement for insurance. We recommend pairing your membership with a low-cost, high-deductible health plan or health-sharing plan.
DPC does not cover specialist visits, hospital stays, surgeries, ER care, or imaging like MRIs and CT scans. Your Health Insurance policy may cover costs.
As of Jan. 1, 2026, the federal government has approved nearly all DPC memberships under HSA plan guidelines. Eligibility depends on your specific plan.