Pricing
Coldwater Direct Primary Care is the
Impossible Made Simple
- No Co-Pays
- No Deductibles
- No Insurance
- Wholesale Medications
- At-cost blood work
- At-cost imaging
Pricing
Every day, Coldwater Direct Primary Care strives to serve you, the patient, and not the insurance companies. Coldwater Direct Primary Care provides medical care for individuals and families under one flat monthly fee.
Single Member
$89 MonthlyMember + Spouse or Child *
$159 Monthly * Child must be under 25 years oldFamily *
$229 Monthly * Family constitutes members + spouse and children up to 5 individuals. Additional family members $25/month.No long term contracts, cancel any time. There is a $150 enrollment fee per household
Insurance Payment
Coldwater Direct Primary Care does not participate with any insurance companies or government insurance for payments to the clinic. The insurance model perpetuates the "quick fix" approach, without allocating adequate time to determine the root cause of discomfort or disease and not allowing time to focus on prevention.
It is well known that medical expenses are the number one cause of bankruptcy in the United States. However, what people don't realize is that 75% of those individuals actually did have some type of health insurance. Health insurance is the ONLY insurance that bankrupts folks when they use it.
Dr. O'Boyle has very mindfully chosen the direct primary care payment system because they believe in making healthcare affordable and accessible to everyone. By cutting out the middlemen and remaining out-of-network, the Coldwater Direct Primary Care physicians can collaborate with patients to make health decisions without interference from insurance.
Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs)
HSAs and FSAs are a type of savings account where individuals or families can set aside money on a pre-tax basis to pay for qualified medical expenses. Like hundreds of other medical clinics across the nation, Coldwater Direct Primary Care allows its members to use HSA or FSA funds to pay for their physician services.
HSAs were created as a part of a Medicare Modernization Act of 2003 to help people 'handle' the out-of-pocket expenses. With a HSA, as of 2026, an individual can set aside $4,400 and a family can set aside $8,750. If you are 55 or over, you can set aside an additional $1,000 to each of those.
HSAs are often confused with FSAs, though they are not at all the same. The key difference with a FSA is that any money that you don't spend in the year that you fund the account is forfeited.
The US Department of Health and Human Services (HHS) under the Affordable Care Act (ACA) defines DPC as a primary care service, not insurance or a health plan.
According to IRS publication 502, medical expenses are the costs of diagnosis, cure, mitigation, treatment or prevention of disease, and for the purpose of affecting any part or function of the body. These expenses include payments for legal medical services rendered by physicians, surgeons, dentists and other medical practitioners.
Qualified or eligible medical expenses are described by IRS code section 213(d). This list is long and includes:
- Physician services
- Blood tests
- Prescription drugs
Note, this is not a substitute for tax advice. If you still have any questions regarding your personal HSA/FSA, please talk to your personal accountant.
