How Direct Primary Care Works
Our membership model is built on simplicity. You pay one steady monthly fee for your family's routine health needs, leaving insurance headaches behind. This means no surprise costs or rushed visits—just calm, dedicated medical care whenever you need it most.
When patients become part of a direct primary care practice, the focus shifts back to time, access, and relationships. Because we are not pressured by insurance billing:
Our team prioritizes understanding your family health journey through active listening. Expect prompt scheduling to address wellness concerns immediate, consistent monitoring for long-term vitality, and a trusted guide to coordinate advanced medical services with absolute confidence.
In the past, insurance has complicated even the simplest checkups with endless paperwork and hidden costs. This often leads to rushed visits that feel more like transactions than true care. We believe your family deserves better than paying more for less time with your doctor. That is why we have cleared away the clutter to focus entirely on you.
When you feel truly seen and heard, it’s easier to stay healthy. This close connection helps manage long-term health, prevents emergency room visits, and brings your family peace of mind.
At Clinic by the Sea, direct primary care allows us to focus on what truly matters: building long-term relationships and helping you and your family not only stay well but thrive.
Who is Direct Primary Care For?
Direct Primary Care is built for those who value transparency, accessibility, and a genuine relationship with their physician. It is an ideal fit for anyone seeking a more personal and predictable healthcare experience.
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Families who desire a physician who truly understands their health journey over generations
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Self-employed individuals and freelancers seeking a reliable, low-cost healthcare home
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Parents on high-deductible plans wanting to protect their budget from hidden costs
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Growing households who value warm, dedicated, and unhurried medical attention
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Anyone looking for a heartfelt and simple way to ensure their loved ones stay healthy
The Value of Direct Primary Care
Is Direct Primary Care More Affordable?
Healthcare costs have become increasingly confusing and unpredictable for many families. High insurance premiums, large deductibles, and surprise medical bills often make it difficult to access care when you need it. Clinic by the Sea Direct Primary Care was created to provide a simpler, more transparent approach to healthcare.
Our membership model allows families to receive comprehensive primary care for a predictable monthly cost—without copays, deductibles, or surprise bills.
Traditional Healthcare Costs
Monthly Premiums:
$400 – $1,200 per month
Primary Care Visit:
$120 – $250 before deductible
Urgent Care Visit:
$150 – $300 per visit
Common Medications:
$20 – $150 per prescription
Even with insurance, many families delay care because of the cost.
Urgent care visits included
Discounted medications for members
Unlimited access for less than the cost of a typical cell phone bill.
Direct Primary Care Membership
Children: $50 / month
Adults: $70 – $85 / month
Seniors: $99 / month
An Example for a Family of Four
Traditional Healthcare Costs
• Insurance premiums: $700/mo
• 2 Primary visits: $300
• 1 Urgent Care visit: $200
• Prescriptions: $80
Direct Primary Care Costs
• Family membership: ~$200-250/mo
• Meds at wholesale cost
• Discounted labs and imaging
Total monthly: Over $1,000
Families often save hundreds of dollars each month while receiving better care.
How Direct Primary Care Works With Insurance
Direct Primary Care is not insurance, and it does not replace insurance for hospital care or emergencies. Many of our patients choose to pair DPC with high-deductible health plans, health sharing plans, or Medicare. This combination allows families to have excellent access to everyday healthcare while maintaining protection for major medical events.
Common Questions
What exactly is Direct Primary Care?
Direct Primary Care (DPC) is a membership-based healthcare model that eliminates the insurance middleman. You pay a predictable monthly fee directly to the clinic, which covers nearly all of your primary care needs—from routine checkups to urgent sick visits—with no co-pays or hidden costs.
Do I still need traditional health insurance?
Yes. While your DPC membership covers your day-to-day primary care, we recommend maintaining a high-deductible or catastrophic insurance plan for unexpected major events like hospitalizations, specialized surgeries, or complex emergency room visits.
What is included in my monthly membership?
Your membership includes unhurried office visits, direct communication with your doctor via text or email, chronic disease management, and many in-office procedures. We also provide access to wholesale pricing for labs, medications, and imaging, often at a fraction of the cost found elsewhere.
Is Direct Primary Care different from "Concierge Medicine"?
While both emphasize enhanced access and relationships, concierge practices often still bill insurance on top of a high annual fee. DPC is generally more affordable and completely removes insurance from the primary care equation, focusing on broad-scope care for all families.
Can I join if I have pre-existing conditions?
Absolutely. In fact, DPC is often the best model for managing chronic health issues. Because we have longer appointments and closer contact, we can dedicate the necessary time to managing your health effectively and preventing complications before they arise.
Can I use my HSA to pay for my membership?
Yes. In most cases, you can use your Health Savings Account (HSA) funds to pay for your direct primary care membership at Clinic by the Sea. Because your membership covers qualified medical care, many patients choose to use HSA dollars for their monthly fees. If you have questions about your specific HSA plan, we’re happy to help you review it.
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A Predictable Membership
Instead of relying on insurance for everyday care, you pay a simple monthly fee. This model removes the surprise bills and administrative hurdles, placing the focus back on your health.
Unparalleled Access to Care
Sign up and gain immediate access to broad-scope medical care. Because we are not pressured by traditional insurance billing, we can see you sooner—often on the same or next day.
Personalized Relationships
We spend more time listening and understanding your family’s story. We follow up closely on chronic conditions and coordinate with specialists to ensure your peace of mind.
Ready to Experience the Difference?
Join Clinic by the Sea and discover a healthcare model that prioritizes your family's wellness through time, access, and deep clinical relationships.
CLINIC BY THE SEA • DIRECT PRIMARY CARE • COASTAL WELLNESS • PERSONALIZED CARE • UNHURRIED APPOINTMENTS • JOIN OUR COMMUNITY • CLINIC BY THE SEA • DIRECT PRIMARY CARE •