How Insurance Works With Direct Primary Care

DPC is your virtual doctor for unlimited primary and urgent virtual visits. Insurance is your backup.
DPC covers your everyday virtual medical care.
Insurance is used for prescriptions, procedures, emergencies, hospitals, and surgeries.

Best Insurance Options:

Best Fit (Most Patients) ✅	Also Works Well ✅	Who Is DPC Not For ⚠️
High-Deductible Health Plan (HDHP)	Catastrophic Insurance	Traditional PPO or HMO
Lower monthly premiums (Bronze and Silver Tier)	Very low monthly cost	Higher monthly premiums
Covers hospital and emergency care	Emergency coverage only	Network restrictions
DPC handles routine care. Add $49 unlimited virutal visits that, better than paying full visit cost due to deductable.	Ideal for healthy adults. Add $49 unlimited virutal visits that, better than paying full visit cost due to deductable.	Often duplicates primary care costs
This is the most cost-effective setup for most patients.	DPC manages routine and chronic care.	Many patients end up paying twice.

For best value, pair your DPC membership with a high-deductible low-premium or catastrophic insurance plan.

Simple, Transparent Pricing

We believe in straightforward costs. No hidden fees, just care.

Virtual Direct Primary Care Monthly Fee

$49

Get ahead with your health and enjoy unlimited virtual visits every month.

Who Is DPC For?

DPC is ideal for patients who have catastrophic or low premium high-deductible insurance and want:

Unlimited direct virtual access to their clinician
Longer visits and real follow-up
No insurance approvals or delays
Simple monthly pricing

If you want virtual care that you can visit as many times as needed to better your health, DPC avoids the visit limitations set by insurance.

What DPC Is Not

❌ Not insurance
❌ Does not replace insurance
❌ No ER or hospital coverage

How Savings Accounts Work With DPC

Think of it like this:

DPC = access to your doctor
Insurance = emergencies
HSA / FSA / HRA = medical spending money

HSA

✅ Your own tax-free medical savings
✅ Use it for labs, meds, testing
❌ Usually not for monthly memberships

FSA

✅ Employer-provided medical spending
✅ Use it for labs, meds, copays
❌ Rules vary by employer

HRA

✅ Employer reimbursement account
✅ Employer decides what’s covered
❌ Not portable

The Most Common Setup (What Most Patients Do)

✅ DPC membership for care
✅ High-deductible insurance for emergencies
✅ HSA to help pay for labs & meds

Simple. Lower cost. Better access.

The One Rule Patients Need to Remember

Membership = access
Savings accounts = expenses
Insurance = emergencies

Why Choose HF1 Care?

Personalized Healthcare:
Your health isn't one-size-fits-all. Our virtual visits are relaxed and unhurried (30–45 minutes), allowing us to dive deep into your wellness and preventative care.

Total Convenience:
Skip the traffic. Whether you’re managing a chronic condition like hypertension or diabetes, or you have a sudden "urgent care" need, your doctor is just a video call away.

Referral Rewards:
Referrals & Savings Help us grow our healthy community! Refer a friend or family member and enjoy a 5% discount on your monthly fee for each successful referral.

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At Health Force One, our mission is to deliver exceptional healthcare solutions with compassion and innovation. We are dedicated to empowering individuals and communities through accessible urgent care, personalized diagnostic testing, and specialized health services. By prioritizing patient well-being and convenience, we strive to set the standard for quality care that enhances lives and promotes long-term health.