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
At Garcia Family Medicine in Blue Springs, individual membership is $99 per month. Couple and family memberships are available, and fees may vary based on household size and current program terms.
- Individual membership: $99/month
- Couple membership: Available; fees may vary
- Family membership: Available; fees may vary
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 |
Some households may reduce routine primary-care costs, but individual savings and access vary.
HSA and FSA Eligibility
DPC membership fees may be HSA-eligible under current federal rules, subject to applicable limits and plan eligibility. FSA treatment may differ. Confirm with your plan administrator or tax adviser. 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, combining DPC with appropriate major-medical coverage may change overall costs — 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.