How to Pair Direct Primary Care with Insurance During Open Enrollment

As open enrollment begins, many families are wondering how Direct Primary Care (DPC) fits into their healthcare planning, especially with insurance premiums expected to rise up to 30% this year.

Here’s the key:
While everyone needs catastrophic coverage for hospitalizations or major medical events, most people don’t need expensive insurance for every office visit, lab test, or prescription. Those are the services that make monthly premiums skyrocket—and even then, costs remain unpredictable with copays, coinsurance, and high deductibles.

That’s where DPC comes in.

With Hearthstone Family Care, your DPC membership gives you:

• Unlimited primary care visits with no copays

• Same or next-day access—in person, by phone, text, or video

• Transparent pricing and no surprise bills

• Discounted labs, imaging, and prescriptions

• Comprehensive, holistic care designed to keep you out of the hospital

By combining Direct Primary Care with a high-deductible, lower-premium insurance plan, you can protect your family from financial risk while gaining access to continuous, personalized care without the frustration of navigating insurance.

This open enrollment season, consider switching to a simpler, more transparent model of care that puts your health (and peace of mind) first.