Could Direct Primary Care Save You Money?
Patients in Charlotte, Huntersville, and surrounding areas are pairing Direct Primary Care with a high-deductible plan to save on healthcare while enjoying $0 copays and unhurried doctor visits. Use the calculator below to estimate your savings.
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“I started Priority Care to be the kind of doctor I always wanted to be, the kind everyone deserves.”
Dr. Melissa Jones
What You Get with Direct Primary Care
Priority Care gives you direct access to Dr. Melissa Jones without traditional insurance barriers or surprise copays, at a transparent flat monthly rate.
Primary Care Visits When Needed
See your doctor with $0 copays or billing surprises, whether in office, by telehealth, or portal messages.
Direct Communication
Reach Dr. Melissa by phone, text, or video. Enjoy same-day or next-day appointment availability.
Longer, Unhurried Visits
Enjoy 30 to 60-minute visits focused entirely on your health, questions, and preventive care needs.
Preventive & Chronic Care
Comprehensive annual physicals, chronic condition management, SLIT allergy therapy, and wholesale lab pricing.
Cost Comparison Calculator
Traditional insurance plans are health insurance policies purchased through an employer or marketplace and often include monthly premiums, deductibles, and copays for medical visits. Enter estimated monthly costs below to compare your options with Dr. Melissa Jones, DO at Priority Care, PC.
Enter Insurance & DPC Details
Traditional Insurance Details
Your share of the monthly premium after any subsidies.
Typical co-pay or out-of-pocket payment before deductible is met.
Include routine and sick visits expected in a typical year.
Direct Primary Care Costs
Flat monthly fee at Priority Care, PC (includes unlimited visits with $0 copay).
A high-deductible health plan (often paired with an HSA) or, for healthy individuals, a health share, for major medical or hospitalizations.
This tool uses simple math to compare your estimated monthly costs. It is for education only and is not financial or insurance advice.
Positive differences mean DPC plus a high-deductible insurance plan or health share is estimated to cost less than your traditional insurance scenario, with $0 visit copays.
Typical Traditional Insurance Premiums
Monthly premiums for a traditional insurance plan commonly range from about $200 on the low end to $600–$700+ for broader coverage, before any copays or deductible costs are added in.
Typical Primary Care Visit Pricing
Many plans still require copays or deductible payments for primary care visits ($120–$180 per visit). Most adults see a doctor 3–5 times annually, creating $400–$800+ in out-of-pocket costs.
Pairing DPC with a High-Deductible Plan & HSA
We encourage keeping a high-deductible health plan with a Health Savings Account (HSA) alongside your DPC membership. The membership handles everyday primary care at $0 copay, while the high-deductible plan covers major medical needs and your HSA contributions roll over tax-free. Prefer a health share instead? For healthy individuals that can also work. You can learn more about health shares at ShareWize.
Important calculator disclaimer
This calculator compares estimated insurance premiums and primary care visit costs only. It does not estimate potential savings from medications, specialist care, emergency services, or hospitalizations. Actual costs will vary based on your specific plan, health needs, and care usage. Always review program details carefully before enrolling. This tool is for general education and should not be used as financial, insurance, or medical advice.
Why Insurance Often Doesn’t Fully Cover Primary Care Costs
Even with health insurance, patients frequently face out-of-pocket bills for standard doctor visits. Here is why the traditional system creates unexpected costs.
Deductibles must be met first
Many insurance plans require patients to pay 100% of medical visits out of pocket until their $3,000–$8,000 deductible is reached. You pay full retail charges early in the year.
Copays & coinsurance still apply
Even after meeting steep deductibles, most traditional insurance plans charge a $40–$75 copay or 20% coinsurance for every single doctor visit.
Not all visits qualify as preventive care
Insurance covers an annual screening wellness exam at $0. However, addressing common issues like back pain, sinus infections, or prescription refills during the visit often triggers extra copay bills.
Restricted provider networks & prior authorizations
Seeing an out-of-network provider or needing urgent care when traveling can result in non-covered charges or denied care.
Insurance is built for catastrophic events
Insurance was created to protect against $50,000 hospitalizations or major surgeries. Using it for routine primary care is like using car insurance for routine oil changes.
Direct Primary Care pairs perfectly with high-deductible plans
Pair Priority Care PC's affordable DPC membership with a high-deductible health plan and a Health Savings Account (HSA). You keep insurance protection for major needs while getting world-class day-to-day care at $0 copay.
Ready to see your personal cost breakdown?
Use our interactive calculator above to plug in your current plan premium and compare it against Dr. Melissa Jones's monthly direct membership.
Our Encouraged Approach: DPC + High-Deductible Plan & HSA
You don't have to give up insurance to benefit from Direct Primary Care. We encourage patients to keep a high-deductible health plan (HDHP) paired with a Health Savings Account (HSA). Your Priority Care membership covers routine and urgent primary care with $0 copays, while the high-deductible plan stays in place for specialist visits, hospital care, advanced imaging, and emergencies, and your HSA contributions roll over tax-free. It's the best of both worlds: real coverage when you need it, plus unhurried everyday care.
An Alternative for Healthy Individuals: DPC + Health Share
For generally healthy individuals and families, a health sharing program can be a lower-cost alternative to a traditional premium. The DPC membership provides ongoing primary care access, while the health share helps with larger or unexpected medical expenses such as hospitalizations or surgeries. Health shares are not insurance and have their own eligibility rules, so they aren't the right fit for everyone, but they can work well alongside DPC for the right person. You can learn more about health shares on ShareWize.
Priority Care, PC Membership Rates
No surprise billing. No hidden copays. Unrestricted access to Dr. Melissa Jones, DO.
Ages 5 to 18
- Unlimited visits with $0 copay
- Sports & camp physicals included
- Same-day or next-day sick appointments
Ages 19 to 99
- Comprehensive annual wellness exam
- Direct phone, text, & telehealth access
- Chronic condition & hormone management
- Wholesale medication & lab savings
Small Business Plans
- Add or remove employees seamlessly
- Attract & retain top local talent
- Zero employee copays for visits
Frequently Asked Questions
Have questions about Direct Primary Care or working with Dr. Melissa Jones?
Can I use Direct Primary Care with a HealthShare or Catastrophic Insurance?
Yes! Many of our patients pair their Priority Care membership with a high-deductible health plan (often with a Health Savings Account) or, for healthy individuals, a health share (like Zion, Sedera, or Christian Healthcare Ministries). This gives you unlimited primary care with Dr. Jones at $0 copay plus emergency protection for major hospitalizations.
What does the monthly membership include?
Your membership includes unlimited primary care visits (in-office, phone, text, telehealth) with $0 copay, wellness exams, acute sick visits, chronic condition management, and wholesale direct pricing on routine labs, imaging, and prescription drugs.
Do I have to sign a long-term contract?
No long-term contracts. Memberships are billed monthly and you can cancel anytime with standard notice. We believe in earning your trust every single month.
What is a DO (Doctor of Osteopathic Medicine)?
DOs and MDs undergo equivalent 4-year medical school training and residency programs and are fully licensed to prescribe and practice. DOs emphasize holistic care, prevention, and whole-person wellness.
Insurance Terms Explained
Understanding key health insurance terminology helps you compare traditional policies against Direct Primary Care with Dr. Melissa Jones.
Premium
The amount you pay every month to have health insurance coverage, even if you do not use any services.
Deductible
The amount you must pay out of pocket for healthcare services before your insurance starts paying for most covered services.
Copay (Copayment)
A fixed amount you pay for a healthcare visit or service. For example, a $40 copay for a primary care visit.
Coinsurance
A percentage of the cost you pay for a medical service after your deductible has been met. For example, if your coinsurance is 20%, you pay 20% of the visit cost.
Out-of-Pocket Maximum
The most you will have to pay for covered healthcare services in a year. After reaching this limit, your insurance typically pays 100% of covered services.
Preventive Care
Certain screenings, vaccines, and annual wellness visits that insurance plans often cover at no cost to you when performed by an in-network provider.
Network
The group of doctors, hospitals, and healthcare providers that have contracts with your insurance company. Seeing an out-of-network provider may cost more.
Primary Care Visit
A visit with a primary care physician or provider for routine care, management of chronic conditions, minor illnesses, or general health concerns.
Traditional Insurance / Marketplace
Health insurance policies purchased through an employer or government marketplace that include monthly premiums, deductibles, copays, and networks.
Subsidy (Premium Tax Credit)
Financial assistance provided to help lower the monthly cost of marketplace health insurance for individuals who qualify based on income.