If you’ve been hearing about Direct Primary Care and wondering what it actually costs, this guide breaks down 2026 pricing for individuals, couples, and families — plus what’s included, what isn’t, and how it stacks up against traditional insurance.
The Short Answer
Most DPC practices in the U.S. charge between $50 and $150 per month per adult. Family plans typically run $150-$350/month for 4-5 family members. At Garcia Family Medicine in Blue Springs, the current pricing is:
- Individual: $99/month
- Couple: $175/month ($87.50/person)
- Family: $225/month (2 adults + up to 3 children under 18)
- Additional children: $25/month each
There’s a one-time first visit fee of $200, which includes your first month’s membership and a comprehensive 60-90 minute intake assessment.
What’s Actually Included
For your monthly membership, you get unlimited primary care access. No copays, no per-visit fees, no surprise billing. Specifically:
- Unlimited office visits, same-day or next-day
- 24/7 direct text/call/email access to your doctor
- Annual wellness exams and physicals
- Sick visits and urgent care
- Chronic disease management (diabetes, hypertension, asthma, thyroid, etc.)
- Women’s health (Pap smears, contraception, menopause care)
- Mental health evaluation and medication management
- Minor procedures (sutures, biopsies, joint injections)
- Wholesale-priced labs and imaging
- Discounted prescription medications
What’s NOT Included
DPC isn’t a complete healthcare solution. You’ll still need either insurance or a health-sharing plan for hospitalizations, surgery, ER visits, specialist care, and advanced imaging that primary care doesn’t handle. Most DPC patients pair their membership with a high-deductible health plan (HDHP) for catastrophic coverage.
DPC + Catastrophic Plan vs Traditional Insurance
Here’s the real math for a healthy individual age 35:
| Cost | Traditional Insurance | DPC + Catastrophic |
|---|---|---|
| Monthly premium | $400-500 | $99 DPC + $150-250 cat plan |
| Deductible | $3,000-6,000 | $5,000-7,000 (rarely hit) |
| Copays per visit | $30-75 | $0 |
| Annual cost (healthy year) | $5,000-7,000 | $3,000-4,200 |
Most patients save $2,000-$5,000 per year on the combination, with significantly better access to their doctor.
HSA and FSA Eligibility
DPC memberships are typically HSA and FSA eligible, which means you can pay your monthly fee with pre-tax dollars. Check with your plan administrator to confirm — most plans qualify. This effectively reduces your DPC cost by 20-30% depending on your tax bracket.
Are There Hidden Fees?
Not at Garcia Family Medicine. The membership is the membership. The only additional costs you’d see are wholesale lab fees (typically $5-50 for common tests, paid directly to the lab) and prescription costs (typically wholesale rates much lower than retail).
Some DPC practices charge extra for after-hours visits, in-office procedures, or specific tests. Always ask up front. At GFM, our $99/month covers everything in the included list above.
Can I Cancel Anytime?
Yes. Garcia Family Medicine requires 30 days notice to cancel — no long-term contracts, no penalties.
Is DPC Worth It?
For most self-employed people, gig workers, early retirees, and families with high-deductible plans, DPC saves significant money and dramatically improves access to your doctor. If you’re paying $5,000+/year in premiums + deductibles + copays and rarely seeing your doctor anyway, switching to DPC + catastrophic typically cuts that cost in half — and you actually get to use the membership.
If you’re considering DPC in the Blue Springs or Kansas City area, call Garcia Family Medicine at (816) 330-7575 for a no-pressure conversation about your situation.