Direct Primary Care in Boca Raton: What It Costs and What You Get

\n Here is the simplest way to understand Direct Primary Care.

You pay one monthly fee. You get a primary care clinician you can actually reach. Most routine visits, sick care, preventive care, follow-up, and everyday medical questions stay inside the membership.

You still keep health insurance for the expensive things that happen outside the primary care office.

That's the model.

No, DPC does not replace health insurance

This is the first question most people ask, and the answer is no.

Direct Primary Care handles the care people need most often. Insurance protects you when you need an emergency room, hospital stay, operation, specialist, or expensive testing that cannot be done in the office.

The World Health Organization has estimated that about 90% of health needs can be met at the primary care level.[1] That doesn't mean every DPC office provides every possible primary care service. It does explain why a strong primary care relationship can handle so much of a person's actual healthcare.

A useful way to think about it is this:

• DPC is where most of your day-to-day care happens.

• Insurance is the safety net for larger and less predictable medical expenses.

You use the membership for your primary care. You use insurance when care moves beyond the office.

What does Arc Direct Primary Care cost?

Membership is $150 per adult each month. Families pay no more than $300 per month, regardless of how many children are covered. Employer memberships are $100 per employee each month.

Covered visits have no copays. Individual and family memberships are month-to-month and can be cancelled at any time.[2]

What does your membership include?

Your membership includes adult and pediatric primary care, annual wellness and preventive visits, sick visits, chronic-condition care, sports physicals, direct messaging with your clinician, and same-day or next-day appointment access.

In the office, you can also receive X-rays, ultrasound, EKGs, sutures, and minor procedures. You have access to more than 1,000 generic medications at no cost, along with discounted laboratory testing and outside imaging.[2]

If a service has a separate charge, you will know the price before it is ordered or performed.

What would I actually use DPC for?

Think about the questions and problems that come up during a normal year:

• You wake up sick and want to know whether you need to be seen.

• Your blood pressure is running higher than usual.

• A medication is causing a side effect.

• Your child needs a sports physical.

• You have a rash, cough, urinary symptoms, stomach problem, or minor injury.

• You need routine screening, laboratory follow-up, or help managing diabetes or cholesterol.

• A specialist gave you a complicated plan and you want someone to help make sense of it.

Those are primary care problems. DPC gives you one place to start and one clinician who knows the bigger picture.

The value is not just the number of office visits. Being able to ask a question early can prevent a small problem from becoming an urgent one.

What is not covered?

Anything that requires care outside the practice is generally separate from the membership.

That may include:

• emergency-department care.

• hospitalization.

• surgery.

• specialist visits.

• advanced imaging performed elsewhere.

• outside laboratory testing.

• medications not included through the practice.

• services specifically excluded from the membership agreement.

Your insurance may help pay for those services. The DPC team can still coordinate records, make referrals, and help you understand what happens next.

Do I still need insurance if I am healthy?

Yes.

Nobody plans a car accident, appendicitis, complicated pregnancy, cancer diagnosis, or hospital admission. Those are the reasons to keep insurance, even when most routine care happens through DPC.

Some people pair DPC with a high-deductible health plan. Others keep an employer plan, marketplace plan, or Medicare. The right coverage depends on your family, finances, medications, and risk tolerance.

The membership improves access to primary care. It does not remove the financial risk of major medical care.

Can I use an HSA to pay for DPC?

Federal rules changed in 2026. Certain DPC memberships can now be paid with HSA funds, and enrollment in a qualifying arrangement does not automatically prevent an otherwise eligible person from contributing to an HSA.[3]

There is a catch.

For 2026, the federal monthly limit is $150 for one person and $300 for a membership covering more than one person.[4]

Arc's $150 individual membership falls within the individual limit. The $300 family cap sits at the federal $300 multi-person limit. HSA eligibility also depends on the specific arrangement, so patients should verify with their HSA administrator or a tax professional.

So do not assume that every family membership qualifies for HSA treatment. Ask your HSA administrator or tax professional about your specific agreement before using HSA funds. The answer may depend on who is covered and how the membership is structured.

Who gets the most value from DPC?

DPC tends to work well for people who want primary care to be easy to use instead of something they avoid.

It may be a good fit if you:

• want to text your clinician when a question comes up.

• prefer longer visits and less rushed follow-up.

• manage one or more ongoing health conditions.

• have children who need routine and sick care.

• have a high insurance deductible.

• want predictable primary care costs.

• own a business and want employees to have better access to care.

It may not be worth the monthly cost if you rarely use primary care, do not care about direct access, or already have a primary care setup that works well for you.

Is this concierge medicine?

The terms are often mixed together, but the payment models can be different.

A concierge practice may charge a membership fee and continue billing insurance for visits. A DPC practice generally uses the monthly membership to pay for covered primary care and does not bill insurance for those services.[5]

The label matters less than the answers to a few basic questions:

• What is included?

• What costs extra?

• Will the practice bill my insurance?

• Can I contact my clinician directly?

• What happens when I need outside care?

If those answers are clear, you can decide whether the membership is worth it.

The easiest way to decide

Look back at the last twelve months.

How many times did you need a sick visit, medication refill, laboratory review, preventive appointment, sports physical, or quick medical answer? How often did you wait because getting an appointment felt like too much trouble?

Then compare that experience with the membership cost.

At $150 per month, an individual membership is $1,800 per year. The $300 family cap is $3,600 per year. You are paying for the visits, but also for access, continuity, and having one clinical team that knows your history.

If you are unsure, schedule a short meet-and-greet. Bring your insurance information, regular medications, common healthcare needs, and questions about what is included. You should leave with a clear answer, not a sales pitch.

Medical and financial disclaimer

This article provides general educational information. It is not medical, insurance, legal, or tax advice. Membership terms, prices, and HSA rules can change. Review the current agreement and confirm financial eligibility for your situation.