Spear Direct Care | Direct Primary Care Clinic

You may cancel your individual or family membership at any time without penalty. We will simply prorate your monthly fee and return it to you. All medical records will be faxed to your new provider at your request. Please note the membership enrollment fee is non-refundable, and if you would like to rejoin the practice, another enrollment fee may apply.

No. Transparency is a core value at Spear Direct Care. Most services are covered under the membership fee. If a service or procedure has an additional charge not covered by membership (such as labs or PAP smears), you would be notified at the time of service and would approve the charge before moving forward. The service or procedure would be invoiced and paid for at the time of service.

Concierge medicine is still in the insurance market. Patients pay a fee for clinic membership and the provider bills the patient’s insurance company. Another key distinction is that direct primary care is explicitly mentioned in the Affordable Care Act as an acceptable option for receiving medical care without insurance, while concierge medicine is not.

In an emergency, call 911. We are a primary care clinic, not an emergency center or urgent care facility. However, if you are NOT having a life-threatening emergency but need urgent advice, please do not hesitate to call us. We ask that our members use discretion when calling after hours, but we are always available.

You will have your provider’s direct phone number. You can feel free to call or text during normal business hours, and for more urgent medical matters, after hours. Reach out when you need care–we will be here for you!

No, but legislation is quickly changing. Please contact us to be placed on a waiting list so we can contact you once we can start providing care to Medicare participates.

At Spear Direct Care, we do not rely on insurance for reimbursements. Instead, we contract directly with our members and they pay a flat transparent monthly fee. The average medical practice spends up to 40% of their time on insurance paperwork. We invest that time where it really matters: our patients. Since the membership fee eliminates the fee-for-service system, you’ll enjoy direct access to your provider and the personalized attention you deserve. However, we encourage all members to have either health insurance or a cost share to pay for unexpected high dollar items that may occur.

No. To maintain availability to our members, we do not provide services to non-members.

Yes. If you need to cancel an appointment, please do so at least 4 hours before your appointment time. If you miss your appointment or are excessively late without calling to notify our office, a $25 fee may be charged. Exceptions are granted at our discretion.

At Spear Direct Care, we address the vast majority of your primary healthcare needs. However, there are some services that are not included in the membership. We encourage our clients to combine their Spear Direct Care membership with a high-deductible insurance policy or cost share option to cover in-person specialist visits, advanced imaging, surgeries, and hospital services.

You can contact Spear Direct Care via phone, text, or video chat, wherever you are. We can help diagnose and treat many conditions virtually, and can help you with prescriptions from nearby pharmacies. If you need an in-person assessment immediately, we can help you find low cost resources near your location.

Enroll in your choice of simple automatic monthly or automatic annual billing via bank transfer or credit card payment. Any additional costs are invoiced and paid for at the time of service.

No, not at this time. However, HSA can be used to pay for other items such as lab fees and imaging costs.

Because we offer proactive preventative healthcare and exceptional availability to our members, the chances of needing to see another doctor or having hospital visits are reduced. Primary care though a Spear Direct Care membership typically covers 80-90% of your healthcare needs. Of course, there may be times that specialty care is needed. We recommend traditional health insurance plan or a cost share program to cover those types of visits, tests, hospitalizations, or surgeries. During those times, we will work closely with our trusted specialists to help oversee your care.

Yes. A membership at Spear Direct Care is great for people looking to both maintain and improve their overall health. We’ll help you move beyond sick care into proactive, integrative healthcare that helps you achieve your unique goals. Your good health means that you’ll very rarely need to seek additional care beyond our clinic, so your flat membership fee will provide a transparent, low-cost way to care for your health. When you do need care, you’ll be able to get it quickly, when you need it, and without any insurance hassle.