Healthcare the way it was meant to be.

Direct Primary Care is a simpler way to provide and receive healthcare. Instead of billing insurance for every visit, you pay a small monthly membership fee that covers all your primary care visits with us. We contract directly with you — the patient — so our care is not limited by what an insurance company will or won't pay for. It's medicine the way it was meant to be: personal, accessible, and focused entirely on you.

Not quite. Concierge practices typically charge a retainer fee on top of billing your insurance for each visit. Direct Primary Care eliminates the insurance layer entirely for primary care. Your membership fee covers everything, resulting in a simpler, more transparent, and often more affordable model of care.

We recommend maintaining a health insurance plan for specialist visits, hospitalizations, emergency care, and catastrophic coverage. Many of our members pair their Polaris membership with a high-deductible health plan (HDHP) and a Health Savings Account (HSA) — a strategy that often reduces total healthcare costs significantly while providing comprehensive coverage.

Your monthly membership covers virtually all primary care services: annual physicals, all office visits (including acute sick visits), chronic disease management, minor in-office procedures, well-child exams, women's health visits, and after-hours phone access to your physician for urgent concerns. Labs and medications are not included but are available at deeply discounted wholesale rates.

If it's a true emergency, call 911 or go to the nearest Emergency Room. We are not affiliated with any specific hospital system, but we can get your records from any local hospital and help coordinate your care afterwards. If it's something urgent but not life-threatening, call us first — we may be able to see you right away or help you know what to do next. If you need to see a specialist, we can refer you to any hospital or provider and help coordinate your needs with that care provider. As always, we are available to help you navigate the healthcare system.

Absolutely. We offer customizable employer packages for businesses of any size. Employers across the country are discovering that DPC reduces total healthcare spend by 15-30% while dramatically improving employee access and satisfaction. Contact us to discuss how we can tailor a plan for your team.

Yes. As of January 2026, Direct Primary Care memberships qualify as HSA-eligible expenses. This means you can use pre-tax dollars from your Health Savings Account to pay for your Polaris membership, making this premium model of care even more financially accessible.

Under the Direct Primary Care model, we do not bill any insurance plans. If you do have health insurance, you can use it for services like labs, imaging, and visits with specialists. We recommend that you call your insurance to understand what they cover. Not participating in insurance allows us to keep our overhead low, which keeps our prices accessible regardless of your insurance status.

At Polaris Medical, we take the time to get to know you and your health goals. We prioritize easy access to our services, transparent pricing, and the highest quality, whole-person care. Having a primary care physician who knows and cares about you is worth it. Many of our members pair their Polaris membership with a high-deductible health plan for specialist and hospital coverage — often saving money overall while receiving vastly superior primary care.

Our patients can call us for help with a sudden illness or injury, or if they have forgotten their medications when they are out of town. We can help with virtual visits and are sometimes able to order labs and medications remotely. Occasionally, we may advise you to see someone locally in person for more immediate care.

Our physicians have decided against prescribing narcotic and benzodiazepine medications over the long term. They are happy to help you through an acute illness or injury with medications at their discretion, but if the condition persists and becomes chronic, we will refer you to a specialist who is better equipped to manage your long-term, controlled substance needs.