Shanks Primary Care does not accept or expect health insurance! Insurance limits the quality of care that can be provided. Just like car insurance doesn’t cover regular maintenance like oil changes, your health insurance may not be ideal for everyday healthcare needs or minor illnesses. The monthly membership fee covers your health maintenance, such as psychiatric medications or blood pressure treatment, and any unexpected issues that may arise. You'll have peace of mind knowing you have a trusted physician available whenever you need. You should keep insurance for major expenses like hospitalizations and surgeries. While some members use insurance for labs or prescriptions, many find the discount program offers more affordable options.

Yes—beginning January 1, 2026, you’ll be able to use Health Savings Account (HSA) funds tax-free to pay for Direct Primary Care (DPC) membership fees under new legislation that classifies DPC as a qualified medical expense and removes prior restrictions. Previously, the IRS generally disallowed this because DPC fees were treated as a separate health plan. Starting in 2026, however, you can use HSA funds for these recurring fees—typically up to $150 per month for individuals—without jeopardizing your HSA eligibility.

Direct Primary Care could be the ideal option for you! Our subscription prices are affordable, and we offer heavily discounted rates for labs and imaging.

You may be familiar with a similar model called "concierge medicine." While there are some similarities to DPC, there are also several fundamental differences between the two.

Lower Membership Cost
DPC doctors generally charge less, with annual fees ranging from $600 to $2,000, compared to concierge practices that may charge up to $25,000 annually.

Flexible Membership Fee
DPC membership fees are more flexible, typically charged monthly, quarterly, or annually. In contrast, concierge practices often require an annual fee.

No Insurance Billing
DPC does not bill insurance, eliminating the risk of "surprise bills" that patients might receive months later from concierge practices, which do bill insurance.

No Copays
Since DPC clinics do not bill insurance, they do not require copays for visits, unlike concierge practices that must collect copays due to insurance billing.

Simplified Documentation
DPC physicians are not bound by insurance regulations, allowing for more efficient documentation and reduced administrative burden.

Lower Overhead Costs
DPC practices avoid the high overhead costs associated with insurance billing and management, leading to a more streamlined and cost-effective operation.

No, membership is month-to-month. You can cancel at any time with 30 days notice (to ensure a safe transfer of care).