Frequently Asked Questions

Concierge Care, Built on Trust: First, Do No Financial Harm.

Welcome to NewCare MD, where healthcare is personal, accessible, and transparent. We’ve replaced the frustration of insurance-driven primary care with a simple membership model that protects your physical, psychological, and financial well-being. Below you’ll find clear, straightforward answers about our Direct Primary Care (DPC) model, membership, pricing, and how we support a strong patient–physician relationship.

1. Direct Primary Care (DPC): The Model & Philosophy

What is NewCare MD’s core care philosophy?

Our philosophy is rooted in “first, do no harm” (primum non nocere)—including financial well-being. By using transparent, affordable pricing and eliminating surprise billing, we remove the financial stress common in traditional healthcare. This honesty and simplicity build genuine trust between you and your healthcare provider.

DPC feels like concierge medicine—with personal access, attentive communication, and a close relationship with your physician—but without the high price tag or insurance complications. Instead of copays or deductibles, you pay a predictable monthly membership fee directly to NewCare MD for a concierge-level primary care experience and transparent billing.

Even patients who carry insurance choose DPC because they value:

  • Personal Relationship: A strong, ongoing connection with their physician and care team.
  • Convenience: Direct access via text, phone, or email with same-day or next-day appointments.
  • Cost Predictability: No copays or deductibles for primary care services.

As comprehensive primary care providers, we manage about 90% of most patients’ medical needs—including routine, acute, and chronic care. You receive full-spectrum family medicine under one roof.

2. Pricing and Services Included

What are the current NewCare MD monthly membership fees?
Our membership fees are flat-rate, predictable, and include all physician professional services. There are no enrollment fees and no copays.
Membership Type Monthly Fee
Individual Adult (any age) $150
Couples $250
Single Parent + Children (up to age 26) $200
Family: Two Adults + Children (up to age 26) $300

We are committed to our philosophy of “first, do no financial harm,” and believe personalized care should be accessible to everyone. We understand that even our affordable flat rates may be challenging for some individuals or families. If cost is a concern, please contact us directly to discuss your situation. While capacity is limited, we maintain a small hardship program for verified financial need and work with our community to help ensure access to essential primary care services.

Your membership covers physician professional services for a wide range of primary care, including:

  • Unlimited office visits (routine, acute, and urgent)
  • Annual wellness exams and physicals
  • Chronic disease management and coordinated care
  • Professional fees for basic in-office procedures (stitches, biopsies, cryotherapy, etc.)

Your physician’s service fee is already included. You may pay small, near-wholesale charges for:

  • Supplies used in-office (COVID tests, urinalysis, strep tests, sutures, medication injections, etc.)
  • Lab work through discounted third-party partners
  • Any in-office medications or supplies used during procedures

3. Insurance, HSAs, and Payment

🔥 NEW for 2026: Using Your HSA

Can I use my HSA to pay for my membership?

Yes. Beginning January 1, 2026, DPC memberships qualify as HSA-eligible medical expenses. You can use pre-tax HSA funds without affecting your ability to contribute to your HSA when paired with a High-Deductible Health Plan (HDHP).

Yes. Federal law sets these monthly caps:

  • Individual Coverage: Up to $150/month
  • Family Coverage: Up to $300/month

Any amount above these limits can be paid out of pocket.

No. To maintain simplicity and transparency, we do not bill or contract with private insurance or government programs for membership or in-office services.

Yes. We cover most primary care needs, but you’ll need separate coverage or a health-sharing plan for:

  • Hospital stays and surgeries
  • Emergency room visits
  • Specialist visits
  • High-cost imaging (MRI, CT, etc.)

4. Membership Logistics & Commitment

How do I sign up for NewCare MD?

Sign up online or by phone. Complete a short enrollment form, review membership terms, and set up payment. We’ll then schedule your comprehensive initial visit.

All of our members will sign a membership agreement at the time of joining. However, you may cancel your membership at any time with 30 days’ written notice.

Memberships are month-to-month after a brief initial commitment period (typically 30–90 days). You may cancel anytime with 30 days’ written notice.

There are no cancellation fees with proper notice. If you re-enroll after cancellation, there may be a small re-enrollment fee, and availability will depend on patient panel openings.

5. Specialist and Hospital Care

What happens if I need to see a specialist?

We coordinate referrals whenever specialty care is needed. Because we aren’t restricted by insurance networks, we can refer you to the best specialist for your condition and help secure discounted cash-pay rates when possible.

Membership does not cover hospital or emergency room facility fees, which is why maintaining major medical coverage is essential.

Yes. We manage nearly all prescriptions. We can send them to any pharmacy you prefer (where your insurance may apply), or you can use our discounted in-office generic medications.