Orange County · Direct Primary Care
See what your healthcare may really be costing you — in money, time, and access.
Healthcare costs are more than copays.
There is the urgent care visit because your doctor was unavailable. The telehealth fee. The prescription. The lab bill. The MRI. The drive. The waiting room. And the time away from work and family.
Use this calculator to estimate your current healthcare costs and compare them with the potential cost and value of Direct Primary Care.
Ten short steps, no email required, and your results appear right away. Estimates only — nothing here is a quote or a guarantee of savings.
Transparent pricing
Depending on the service, patients may be able to access medications, laboratory testing or outpatient imaging through transparent cash or negotiated pricing.
Cash pricing is not always cheaper. Whether it is lower depends on your insurance, your deductible, the specific service and what is available at the time. Certain medications, labs or imaging services may be available at substantially lower cash or negotiated prices.
Healthcare friction
When a patient chooses to purchase an eligible service directly outside insurance, insurance prior-authorization requirements may not apply to that transaction. This depends on the service and the provider. It does not change medical necessity, safety standards or the need for appropriate clinical evaluation.
Friction that may be reduced:
If you are weighing the model itself rather than the numbers, read how direct primary care works at TruFamilyMD or see direct primary care for Irvine patients.
Business owners comparing team benefits can use the Direct Primary Care cost calculator for Orange County employers.
FAQs
Direct Primary Care is a membership model. Instead of building the relationship around individual insurance-billed office visits, you pay a predictable monthly fee for the primary care relationship: longer appointments, direct communication with your physician and continuity with the same doctor.
TruFamilyMD membership is $150 per month, with a one-time $150 enrollment fee. What the membership includes is reviewed with you during a free Meet & Greet, and household pricing is discussed there as well.
It may, depending on how much you currently spend on primary care visits, paid telehealth, avoidable urgent care and medications. It may also cost more than what you spend today. This calculator gives an estimate based on the numbers you enter; it is not a guarantee of savings.
No. Direct Primary Care is not health insurance. Most patients should keep appropriate coverage for emergencies, hospitalization, specialists, procedures, imaging and other services outside the membership.
Many patients keep their existing plan and use membership for their primary care relationship. Your plan still covers the services it normally covers outside the membership. Check the specifics of your own policy.
Patients with high-deductible plans often find the model appealing because routine primary care is predictable while the plan remains in place for larger expenses. Rules around HSAs and memberships can change, so confirm details with your plan administrator or tax advisor.
Medications are not included in the membership. Many commonly prescribed generics may be available at substantially lower cash prices through cash-pay pharmacies, and Dr. Pham can discuss options with you. Actual pricing depends on the medication, pharmacy and quantity.
Laboratory testing is billed separately from membership. Transparent cash pricing may be available for some tests — for example CBC, CMP and TSH are $3 each — so you can know the price before the test is run.
Where outpatient imaging is appropriate, we can help you look for transparent cash or negotiated pricing when it is available. Cash pricing is not always lower, and it depends on your insurance, deductible and the facility.
Some minor acute concerns may be managed through same-day or next-day primary care, secure messaging, phone or video when clinically appropriate. Emergencies and higher-acuity conditions still require urgent or emergency evaluation.
Yes. Households can join together, and pricing for additional members is reviewed during your free Meet & Greet.
Meet Dr. Pham, ask questions, and decide whether Direct Primary Care fits the way you want to receive healthcare.
This calculator provides general estimates for educational purposes only. Actual healthcare costs, insurance benefits, utilization, medication pricing, laboratory pricing, imaging pricing, and potential savings vary. Direct Primary Care is not health insurance and does not replace insurance for emergencies, hospitalization, specialists, procedures, or other services outside the membership. This calculator does not provide medical, insurance, tax, or financial advice. See our medical disclaimer.