Do I still need insurance?
Yes — and the two work together. Direct primary care is not insurance and does not replace it. Your membership covers the care you use most: everyday primary care with a doctor who has time for you. Insurance protects you against the big, rare, expensive things.
Think of it as a division of labor. Most of what you actually use a doctor for happens in primary care — and that is exactly what membership at Mark Family Health handles directly, without co-pays or insurance billing.
DPC and insurance, side by side.
| Your DPC membership | Your insurance plan |
|---|---|
| Wellness & annual physicals | Hospital stays & surgery |
| Sick visits & urgent issues | Specialists & referrals |
| Chronic disease management | Advanced imaging (MRI, CT) |
| Mental health & wellness | Emergency room & ambulance |
| Direct messaging with your doctor | Cancer & specialty treatment |
| Many common labs & procedures | Major, unexpected events |
Common ways to cover the rest.
A high-deductible plan + DPC
The most popular pairing. Because Dr. Mark handles most day-to-day care directly, many members carry a leaner, lower-premium HDHP for the big stuff — often spending less overall while getting more access.
HSA / FSA
A high-deductible plan may make you HSA-eligible. The membership fee itself usually is not HSA/FSA reimbursable, but many services rendered are. Confirm specifics with your benefits administrator and tax advisor.
Medicare
You keep Medicare for hospital care, specialists, and covered services. Dr. Mark does not bill Medicare for visits, so your membership and Medicare stay completely separate and independent.
Health-sharing plans
Some members pair DPC with a health-sharing ministry for catastrophic costs. It is not insurance, but combined with DPC it can be a budget-friendly way to cover the rare, large events.
This page is general information, not insurance or tax advice. Coverage and tax rules vary — please confirm details with a licensed insurance broker and your tax advisor.
Insurance questions.
Not sure how DPC fits with your current coverage? Reserve a free meet & greet and ask Dr. Mark directly — no obligation.
Yes. Direct primary care is not insurance and does not replace it. Membership covers your everyday primary care; you should still carry insurance, Medicare, or a health-sharing plan for hospitalizations, surgery, specialists, imaging, and emergencies. The two work together — your DPC membership handles the care you use most, and insurance protects you against the big, rare costs.