Frequently Asked Questions

Is Direct Family Care of Northern Colorado insurance? 
How can this be so inexpensive?
What if I need to go to the hospital?

No. We are a clinic that contracts directly with our patients to provide primary care services. Our plan is membership-based with a low monthly fee, much like a gym membership.

Do I still need insurance? 

Yes. Insurance is for unplanned costly events.

Does this meet the ACA insurance requirements to avoid tax penalties?

No, not by itself. It is not insurance. However, the ACA (Affordable Care Act) does allow this to meet the minimum requirement if it is combined with a health sharing plan or a high deductible health plan (HDHP). These plans are referred to as "bronze level plans" and can be found on  

Who determines which health care services I can have?

Primary care physicians are known for their ability to provide comprehensive high quality care at low cost. For decades, insurers and government agencies have relied on the tremendous cost savings PCPs provide in order to reduce the cost of care. Unfortunately when insurers combine the inexpensive primary care with higher cost medical treatments, procedures and medications it raises the cost of routine care for everyone and creates a barrier to access. 

At Direct Family Care of Northern Colorado (DFC), we believe that everyone should be able to afford primary care. We have separated primary care from those high cost services to create our membership-based primary care package which gives you back affordable routine services. By combining all of the routine and necessary services into a low monthly fee, our members enjoy an affordable patient centered medical home with true price transparency. 

With DFC, 100% of your expense goes towards your health care and we pass the savings on to you.

This program does not cover hospital care. This is why we suggest you look into a high deductible health plan (HDHP) for catastrophic coverage. Should you require admission to the hospital, we will be glad to coordinate that for you.

Can you send me to specialists?

Absolutely - but with our online consults with nation-wide specialists we might save you the cost and time of a local "insurance priced" visit.

Are there any exclusions for pre-existing conditions?

No. There are no pre-existing condition exclusions and there are no increases in the membership fee based on prior health history. In fact, those with chronic medical conditions are perfect for DFC. The only exception is that DFC does not prescribe chronic pain medications or chronic controlled substances.

Is this concierge medicine?

Joining our clinic will give you a pure relationship between your doctor and you. 100% of your health care decisions will be determined by you and your physician, not an insurance company. nobody outside the exam room decides your health care, unless you allow it. 

What if I need medications?

We at DFC will be dispensing medications for wholesale prices plus 10% which can save you significant money every month, and we do our best to find you the least expensive alternatives for the meds you need.

How can I enroll?

Click on the Register/Contact button on our website which will take you to an enrollment form. We will open on January 2, 2018, and so at this time you can pre-enroll and will not be charged until January 2.

I own a business. Can I provide DFC membership to my employees?

Of course. Ask about our special corporate pricing. 

Although we aren't a worker's compensation provider since we don't charge for our services, we can treat minor work related problems without any difficulty, often saving a claim on your worker's compensation policy.

What if I decide to cancel?
I am already paying a monthly fee for health insurance. Why do I need DFC?

In most cases, patients save money by choosing a HDHP and paying directly for medical care through DFC.


At DFC, we don't believe insurance should be used for routine, expected medical care. You don't use your car insurance to pay for gasoline or oil changes. You don't use your homeowner's insurance to pay for lawn maintenance or make minor repairs. Why would you use health insurance for a cold, to treat diabetes or treat high blood pressure? Health insurance should be there to cover unexpected or high ticket medical costs. We will make the routine medical care cost less than you pay for your cell phone. 

If providing a high quality of care is "concierge", then maybe we are. DFC will provide attention to detail that is missing in most medical practices. You will always see a healthcare provider that will work for YOU, not a corporate employer. Expect same or next day appointments for urgent conditions; extended visits; direct coordination of care; messages returned and prescriptions filled in a timely manner; office staff that knows you; and care provided in a clean and comfortable environment. 

Our patients are treated as we would expect our family to be treated.

I am currently enrolled in Medicare, but the DFC prices are less expensive than I pay with Medicare. Can I become a DFC member?
How can I save on insurance costs by being a patient of DFC?

Many times patients purchase expensive plans that require little or no co-pay and that cover all lab costs and prescription costs. However, with DFC your membership covers your office visits at our practice, in-office tests and many procedures without co-pays or hidden charges. Combined with our discounted labs and imaging our patients may find it worthwhile to change from a high priced health insurance plan to a low cost basic health insurance plan to potentially save thousands.

Yes. We have opted out of taking Medicare so you can enroll to be a member with us. 

What does the access fee cover?

The fee covers excellent primary care through  office or telemedicine visits, annual wellness exams, basic office procedures, in-office testing, treatment of acute illness and access to your doctor after hours via telemedicine, all with minimal to no wait times in the office.

Our patients will also have access to discounted labs and imaging. 

We expect to have an open, honest, respectful relationship with you. If you have voiced a complaint that we cannot satisfy together, either party can terminate the membership with 30 days of notice. 

If you do decide to cancel within the first 3 months of membership you will be charged fair market prices for all services rendered up to that point.