12/14/2025
Direct Primary Care isnโt a replacement for insurance. Many of our patients carry coverage and use DPC to lower everyday costs, avoid delays, and get care that isnโt rushed.
๐๐ฏ๐๐ง ๐๐จ๐๐ญ๐จ๐ซ๐ฌ ๐๐๐๐จ๐ฆ๐ ๐ฉ๐๐ญ๐ข๐๐ง๐ญ๐ฌ.
And sometimes, thatโs when the system teaches you the most.
All of my babies have been delivered by C-section due to high-risk pregnancy issues. My first was born in California while my husband and I were working there. At the time, we had employer-based ๐๐ง๐ญ๐ก๐๐ฆ ๐๐ฅ๐ฎ๐ ๐๐ซ๐จ๐ฌ๐ฌ ๐๐ฅ๐ฎ๐ ๐๐ก๐ข๐๐ฅ๐โarguably one of the โbetterโ insurance plans in the country.
After a complicated delivery and discharge from the hospital, several prescriptions were sent to the pharmacy: pain medication, antibiotics, and prescription-strength iron due to blood loss. My husband took our insurance card to the pharmacy and paid a little ๐จ๐ฏ๐๐ซ $๐๐.
After he showed me the receipt, I did what doctors doโI ran the numbers.
Had he not handed over our insurance card and instead used GoodRx coupons, the total would have been ๐๐๐จ๐ฎ๐ญ $๐๐.
Fast forward to today. Now that I run a ๐๐ข๐ซ๐๐๐ญ ๐๐ซ๐ข๐ฆ๐๐ซ๐ฒ ๐๐๐ซ๐ ๐ฉ๐ซ๐๐๐ญ๐ข๐๐ ๐ฐ๐ข๐ญ๐ก ๐๐ง ๐ข๐ง-๐ก๐จ๐ฎ๐ฌ๐ ๐ฉ๐ก๐๐ซ๐ฆ๐๐๐ฒ, ๐ญ๐ก๐จ๐ฌ๐ ๐ฌ๐๐ฆ๐ ๐ฆ๐๐๐ข๐๐๐ญ๐ข๐จ๐ง๐ฌ ๐ฐ๐จ๐ฎ๐ฅ๐ ๐๐จ๐ฌ๐ญ ๐๐๐จ๐ฎ๐ญ $๐๐.
That is a $42 savings just on that one set of prescription medication.
๐๐๐ซ๐โ๐ฌ ๐ญ๐ก๐ ๐๐ข๐ ๐ ๐๐ซ ๐ฉ๐จ๐ข๐ง๐ญ:
โ๐๐ฆ๐ข๐ญ๐ญ๐บ ๐จ๐ฐ๐ฐ๐ฅ ๐ช๐ฏ๐ด๐ถ๐ณ๐ข๐ฏ๐ค๐ฆโ ๐ฅ๐ฐ๐ฆ๐ด ๐ฏ๐ฐ๐ต ๐ข๐ถ๐ต๐ฐ๐ฎ๐ข๐ต๐ช๐ค๐ข๐ญ๐ญ๐บ ๐ฎ๐ฆ๐ข๐ฏ ๐บ๐ฐ๐ถโ๐ณ๐ฆ ๐ด๐ข๐ท๐ช๐ฏ๐จ ๐ฎ๐ฐ๐ฏ๐ฆ๐บโ๐ฆ๐ด๐ฑ๐ฆ๐ค๐ช๐ข๐ญ๐ญ๐บ ๐ง๐ฐ๐ณ ๐ฆ๐ท๐ฆ๐ณ๐บ๐ฅ๐ข๐บ ๐ค๐ข๐ณ๐ฆ.
To be clear, insurance absolutely has its place. When disaster strikesโcancer, major trauma, a car wreckโhospital bills climb into the six figures fast. Even my C-sections were each over $60,000. Thatโs why weโve always carried some form of coverage for catastrophic events.
But for day-to-day care?
Labs. Medications. Routine medical needs?
Personally, we pay cash.
Those services are often far less expensive out of pocket than people are led to believeโand paying cash allows us to save significantly each month by pairing Direct Primary Care with a health-sharing or high-deductible plan.
๐๐ฅ๐ฅ ๐จ๐ ๐ญ๐ก๐ข๐ฌ ๐ญ๐จ ๐ฌ๐๐ฒ:
Even with excellent insurance, I paid more for my medications through insurance than I would have paying cashโor through my own DPC practice.
That should make you pause and think.
Not about abandoning insuranceโbut about using it wisely, and understanding when it actually helpsโฆ and when it quietly costs you more.
๐๐๐๐ข๐๐๐ฅ & ๐
๐ข๐ง๐๐ง๐๐ข๐๐ฅ ๐๐ข๐ฌ๐๐ฅ๐๐ข๐ฆ๐๐ซ:
This post is for educational and informational purposes only and does not constitute medical, legal, or insurance advice. Direct Primary Care (DPC) is not insurance and does not replace the need for health insurance or catastrophic coverage. Patients are strongly encouraged to maintain appropriate insurance or a health-sharing plan for unexpected, high-cost medical events such as hospitalizations, surgeries, trauma, or serious illness. Coverage decisions should be made based on individual medical and financial circumstances in consultation with appropriate professionals.