Pros and Cons of Direct Primary Care

Direct Primary Care
Health care jargon explained
Primary care

In the evolving landscape of healthcare, Direct Primary Care (DPC) has emerged as an innovative and fast growing approach to primary care. This model, in which members pay monthly fees for unlimited in person or virtual access to a dedicated primary care physician, refocuses medicine on the doctor-patient relationship.

Pros of Direct Primary Care

Direct Primary Care is unlimited primary care for a flat monthly fee or retainer, with no copays or coinsurance. Decent builds health plans around DPC so it's covered as part of your insurance. At its core, a DPC membership offers a patient-centric medical experience, minimizing bureaucracy and billing and claims complexity and enhancing the quality of care. It resembles concierge medicine without the high cost or fee for service components. Here are some of the standout benefits:

  1. Quality Time with Doctors: Direct primary care providers typically have a reduced patient load. This means you get longer, more meaningful consultations with your primary care doctor without feeling rushed. There's no insurance company dictating appointment length. It harks back to a more traditional style of healthcare, where family physicians were more intimately familiar with their patients. Your DPC delivers personalized service for you and your family and can help with preventive care, chronic disease management and health coaching too.
  2. Financial Transparency: Traditional insurance can sometimes bring unforeseen bills, co-pays, paperwork, and an extensive list of associated costs. With DPC, the financial structure is straightforward. The monthly fee paid directly to the primary care doctor (that's the "direct" in DPC!) ranges between $50 to $100 a month, granting you unlimited primary care visits without hidden or additional costs.
  3. Accessibility and Convenience: Securing an appointment with a doctor shouldn't feel like a rare event. DPC clinics, due to their limited patient roster, can frequently offer patients same-day or next-day appointments - some DPCs even encourage their members to text or call with any concerns. Moreover, many physicians provide virtual direct primary care services, allowing you to consult with your doctor without leaving your home. Unlike standard telemedicine where you might talk to a different provider with every call, you are always seeing the same doctor. Many members report that it feels like having a doctor in the family - in many cases you can see a DPC doctor who knows you instead of going to the emergency room or urgent care.
  4. Happier Doctors: Most doctors become doctors because they want to take care of people. Because they have longer visits with fewer patients and are focused on providing good care rather than administrative work, DPC doctors are happier avoid burnout that is all too common in the medical profession. They build strong and healthy relationships with the families they care for. Many registered nurses (RNs) provide direct primary care too. In fact, doctors outside of primary care have taken notice and are offering "direct care" options to their patients to sidestep the complexity and hassle of working with insurance companies.

However, as with any healthcare model, Direct Primary Care has its cons.

Cons of Direct Primary Care

  1. Insurance Overlap: Even if you opt for DPC, additional major or catastrophic insurance might be necessary to cover significant health incidents, specialist consultations, or hospital stays. This could mean additional costs, but some companies, such as Decent, have developed comprehensive health plans centered around in person and virtual DPC.
  2. No HSA/HDHP: Current IRS regulations created to address nuances of the Affordable Care Act don't allow DPC members to also have a high deductible health plan (HDHP) and use an HSA to pay for the cost of their medical care. An HSA can be a good option for people who don't mind shopping for healthcare. There have been ongoing efforts to make DPC compatible with HSAs, but it hasn't happened yet.
  3. Coverage Limitations: While DPC covers primary care and many DPCs can help with labs and small procedures or even dispense medications, it doesn't extend to specialized treatments or procedures. For these, patients will either need to outsource payment or utilize a separate insurer.
  4. Location and Availability: DPC's popularity is surging, but its reach isn't universal. Medicaid and Medicare typically don't cover DPC. Patients residing in remote areas or regions without a nearby DPC provider might find in-person consultations challenging. Thankfully, virtual DPC services have expanded to all 50 states, providing a feasible alternative.


Direct Primary Care presents a refreshing perspective on healthcare focused on the patient and the primary care provider: it's personal, potentially more economical, and highly convenient with no third party payer and less administrative headaches. However, it's essential to be aware of its limitations. If you're contemplating this route, weigh its advantages against its constraints to determine its alignment with your healthcare needs. And if you, your clients, or your family are looking for a health plan built around DPC, contact us.

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