Zoe Primary Care =
Primary Care Services +
Lifestyle Medicine

Direct Primary Care (DPC) is a healthcare model where patients pay a monthly membership fee directly to their primary care provider. This fee covers most primary care services and provides enhanced access to care, including office visits, telehealth appointments, and direct communication with your care team. DPC eliminates the administrative burden of insurance billing, allowing providers to spend more time with patients and provide more personalized care. 

In traditional, insurance-based healthcare settings, providers often manage large patient panels and must navigate insurance requirements, leading to shorter visits and longer wait times. Zoe Direct maintains smaller patient panels, offers longer appointments with same–/next-business day scheduling, and direct access to your care team through phone, text, portal message, and/or telehealth visits.

While both Zoe Direct and concierge medicine provide enhanced access and personalized care, concierge practices typically charge a membership fee and continue billing insurance companies for office visits. Zoe Direct does not bill insurance, resulting in lower overhead costs and more affordable membership fees.

No, Zoe Direct is not health insurance and does not replace the need for insurance coverage. We recommend maintaining health insurance, especially for catastrophic events, hospitalizations, surgeries, emergency services, etc. 

Yes, patients with commercial insurance can still benefit from Zoe Direct. In addition to catastrophic events, insurance may be used for specialist visits, imaging, prescriptions, laboratory testing, and other external services. At Zoe Direct, there are no copays, variable coinsurance costs, or deductibles to meet, and memberships can be paired with high-deductible health plans and qualify to be reimbursed by tax-free Health Savings Account (HSA) funds.

No, unfortunately, we are not able to accept patients who have Medicare/Medicare Advantage at this time. Medicare requires direct primary care providers to “opt out“ of the entire Medicare program for a minimum of two years (even if we do not submit claims to Medicare) and direct primary care practices are generally not covered by Medicare Advantage (Part C) plans.

Yes, Zoe Direct welcomes patients without insurance. The monthly membership provides access to primary care services, and we can help patients find cash-pay discounts for medications, laboratory testing, and/or imaging services.

• Preventive and wellness care
• Annual physicals
• Sick visits
• Chronic disease management
• Telehealth visits
• Same-day or next-business-day appointments
• Direct communication via phone, text, or secure portal
• Care coordination and referrals
• Basic in-office testing and procedures

• Emergency room visits
• Hospitalizations
• Surgery
• Specialist care
• Advanced imaging
• External laboratory testing
• Prescription medications

If you do not have insurance, we can help you find discounted cash pricing for these services.

Zoe Direct offers unlimited visits as part of the membership. There are no copays, variable coinsurance costs, deductibles to meet, or visit limits, allowing patients to seek care whenever needed.

Yes, one of the primary benefits of your membership is direct access to your care team through phone calls, text messages, secure messaging, and video visits. We also provide after-hours access to our nurse triage answering service for urgent issues.

Zoe Direct coordinates referrals and helps you identify specialists who best fit your needs. We will work closely with specialists to ensure continuity of care.

In a medical emergency, patients should call 911 or go to the nearest emergency room.

Zoe Direct memberships are eligible for reimbursement through Health Savings Accounts (HSAs). Memberships are not reimbursable through Flexible Spending Accounts (FSAs); however, individual services beyond those covered by the monthly membership fee may be eligible.

No, Zoe Direct memberships are month-to-month and require just 30 days of advance notice to cancel.

Zoe Direct cares for patients who are 14+ years old and offers discounted rates for household members.

• Individuals with high-deductible insurance plans
• Self-employed individuals
• Small business owners and employees
• Families seeking personalized care
• Patients with chronic conditions
• Individuals who value quick access to their provider
• People without insurance seeking affordable primary care

• More time with their provider
• Transparent pricing
• Better access and communication
• Same-day or next-business-day appointments
• Fewer administrative barriers
• A stronger provider-patient relationship
• A focus on prevention and wellness

• Direct Primary Care (DPC): A Consumer’s Guide to This Payment Model
• DPC + HSA Calculator