Direct Primary Care
Primary Care. Simplified.
Direct provider access. No insurance billing*. No surprises.
🎉 ENROLLING NEW MEMBERS FOR 2026! 🎉
*see FAQ section for more information regarding insurance billing.What Is Direct Primary Care?
Direct Primary Care (DPC) is a membership-based model where you pay a flat monthly or quarterly fee for primary care. Insurance is NOT billed for your visits*.
❌ Copays
❌ Deductibles
❌ Claim or denials*
❌ Prior authorizations*
❌Rushed 7-minute visits
No:
✅ Forging real, collaborative, ongoing relationships with your provider
✅ Longer, unhurried visits (30-60 minutes, not 7)
✅ Direct access communication via secure text/email
✅ Same- or next-day appointments
✅Various visit types to work with your needs (in-person, in-home, telemedicine)
✅ Clear, upfront pricing
Instead, DPC emphasizes:
Recent regulatory changes may allow certain Direct Primary Care membership fees to qualify as eligible medical expenses when used alongside qualifying health plans!
Beginning in 2026, some DPC memberships may be eligible for payment using Health Savings Account (HSA) funds, subject to IRS rules, contribution limits, and individual eligibility requirements! Be sure to check with your HR provider, tax specialist, and/or healthplan!**
HSA & DPC: What to Know for 2026
Is DPC Right for You?
DPC is ideal for people who want:
✅Easier access to care
✅Fewer administrative headaches
✅A provider who actually knows them
✅Predictable primary care costs
Bottom line:
Better access. Less friction. Primary care the way it should be.
Not sure? We’re happy to help you decide.
Plans for Every Stage of Life
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✔ Unlimited sick & wellness visits
✔ Same- or next-day appointments
✔ Direct messaging with provider
✔ Preventive & developmental care ✔ Extended appointment times ✔ Chronic condition support
✔ Care coordination -
Emergency room visits and hospitalizations
Specialty care (cardiology, endocrinology, orthopedics, etc.)
Imaging (X-rays, CT scans, MRI, ultrasound)
Surgical procedures
Facility fees
Prescription medications
Durable medical equipment (DME)
Laboratory testing (unless otherwise specified)
Your provider can help coordinate these services and, when applicable, assist with referrals. We have access to services with reduced rates for laboratory, medication and imaging services if you elect to pay cash for these services. Ask your provider for more information!
Self-pay options may be used for non-membership services.
You may request a superbill for services rendered at Harford Direct Care which you can submit to your insurer for reimbursement if you elect to use your health insurance benefits.
Services described as part of Direct Primary Care or as part of Harford Direct Care are not insurance and do not replace major medical coverage. You should keep a primary health insurance or a major medical plan for hospital stays, specialist care, and emergency services.
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Description text goes here
Pediatrics
$195 per quarter
($70 per month)
Elite Adult
Thrive 65+
(newborns to age 21)
(ages 22 to 64)
$300 per quarter
($110 per month)
(ages 65+)
$360 per quarter
($125 per month)
Couples
Covers 2 people living in the same home over age 18
$540 per quarter
($200 per month)
Families
Covers up to 4 people. Each extra person (any age) costs an addiational $175 per quarter.
$850 per quarter
($295 per month)
The Fine Print
*Membership does not replace insurance coverage for hospitalizations, emergency care, specialty care, imaging, or procedures.
Members may use their insurance for covered labs, imaging, specialist visits, or procedures. Members can also request a superbill to submit to their insurer for reimbursement for services from Harford Direct Care. Harford Direct Care cannot guarantee reimbursement from any insurance plan.
**Direct Primary Care memberships provide access to defined primary care services and are not insurance. Cost comparisons and examples are illustrative only. Health outcomes, access, eligibility for tax-advantaged accounts, and overall costs vary by individual and are not guaranteed.