Primary Care Memberships
Simple care. Direct access.
Direct access to a doctor for a flat monthly membership — routine and preventive care without the complexity of traditional insurance.
- Unlimited or low-cost doctor visits
- No insurance required
- Affordable monthly membership options
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What it is
Healthcare made simple and accessible
Primary care memberships (direct primary care) give you a flat-fee relationship with a doctor for routine and preventive visits — and they pair well with a lower-cost health or short-term plan.
- Unlimited or low-cost doctor visits
- No insurance required
- Affordable monthly membership options

Why American Insurance
An independent agency working for you
We work for you — not the insurance companies — to find the right coverage at the right price.
- We shop multiple trusted insurance companies — you get the best rate, not one company’s pitch.
- Real licensed advisors — no call centers, no pressure.
- Free, no-obligation quotes. Se habla espanol.
Questions
Frequently asked questions
What is a primary care or direct-care membership?
It's a flat monthly fee paid directly to a primary-care practice for unlimited or expanded access — longer visits, same-day appointments, and direct messaging with your doctor — without insurance copays for those visits. It's about better access and more time with your physician. It works best paired with a plan that covers major medical events.
Does a membership replace my health insurance?
No — a primary-care membership covers everyday care, not hospital stays, surgery, or specialists. You still need a medical plan (often a higher-deductible one) to cover the big, expensive events. We'll structure the two together so you're fully protected without overpaying.
What does the monthly fee include?
Typically it covers office visits, basic labs and procedures done in-house, and direct access to your doctor — with no per-visit copay. The exact inclusions vary by practice. We'll help you compare what's bundled so you know what you're getting for the fee.
Who benefits most from this model?
People who value time with their doctor, manage a chronic condition, or want predictable everyday-care costs tend to get the most out of it — especially when paired with a lower-premium, higher-deductible plan. We'll run the combined numbers so you can see if it saves you money.
Can I pair it with a high-deductible plan or HSA?
Yes — many people pair a membership with a high-deductible health plan and an HSA, using the membership for routine care and the plan for emergencies. There can be HSA-eligibility nuances, so we'll make sure it's set up correctly. We'll explain the tradeoffs clearly.
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