At Blue Zone Health and Wellness, we do not accept insurance. Our model is built to simplify healthcare by removing the red tape of insurance billing, so we can focus on what matters most — you.

Instead, we offer a straightforward monthly or annual membership fee that covers all primary care services.

You’re still free to use your insurance for things like specialist visits, hospital care, or prescriptions, but everything provided through your DPC membership is exclusively covered by your membership fee — no surprise bills, no copays, no hassle.

Yes, we recommend carrying at least a high-deductible health plan (HDHP) alongside your DPC membership. While your membership covers everyday care, prevention, and direct access to your provider, an HDHP helps protect you in case of emergencies, hospital visits, or specialist care.

It’s important to note that DPC is not health insurance — it’s a way to get more personal, consistent care for your day-to-day health, with insurance there for the bigger stuff.

• HSA: Currently, the IRS considers DPC membership fees as a type of “health plan,” which means HSA funds typically cannot be used to pay for them.

  FSA: There may be more flexibility here. In some cases, FSA funds can be applied toward DPC membership fees, depending on your employer’s plan and IRS guidelines. We recommend checking directly with your FSA provider to confirm.

  Please note: Blue Zone Health and Wellness does not provide superbills or documentation for insurance reimbursement, as our model is entirely outside the insurance system.

Unfortunately, we do not accept Medicare or Medicaid, and are unable to enroll patients who are eligible for these programs. Due to current regulations, individuals covered by or eligible for Medicare or Medicaid are not permitted to participate in our Direct Primary Care membership at Blue Zone Health and Wellness.

We truly hope this changes in the future and appreciate your understanding.

While Direct Primary Care (DPC) and concierge medicine both offer personalized care and better access to your provider, they differ in a few key ways:

• Payment Structure: DPC charges a flat monthly or annual fee that covers most primary care services — with no surprise bills. Concierge practices typically charge a retainer and bill your insurance for each visit or service.

• Insurance Billing: DPC practices, like ours, don’t bill insurance. This keeps care simple, transparent, and free from red tape. Concierge practices usually operate within the traditional insurance system.

• Scope of Services: Both models offer longer appointments and relationship-based care. DPC focuses on comprehensive primary care, while concierge practices may offer expanded services or access to specialists depending on the practice.

• Transparency: With DPC, pricing is clear and upfront, so you always know what you’re paying for. Concierge models may involve additional fees tied to insurance and extra services.