Switching to DPC: What Happens to Your Insurance?

A common question before joining: does DPC replace insurance, or work alongside it? The honest answer is it depends on your situation.

DPC Is Not a Replacement for Insurance

Direct primary care covers your relationship with your primary care doctor — it doesn’t cover hospitalization, specialist care, or emergencies the way insurance does.

Why Most Members Keep a High-Deductible Plan

Many DPC members pair their membership with a high-deductible or catastrophic insurance plan, using DPC for everyday care and insurance for the bigger, less predictable events.

What DPC Covers That Insurance Bills For

Routine visits, ongoing management, and same-day access are typically included in membership — the kind of care that often comes with copays and claims under a traditional plan.

Talk Through Your Specific Situation

The right combination depends on your health needs and budget. Our team is happy to walk through what makes sense for you before you decide.