Insurance Questions

That’s great if you have insurance because it can help cover care from specialists or catastrophic needs. DPC provides access to most all your primary care needs and takes a proactive approach to your health care. DPC provides quality health care with improved access to care, and can save money on health care costs. Even if you have great insurance and health care coverage that costs you little, the improved access, convenience and communication are valuable for your health.

No, Direct Primary Care is not health insurance. Your DPC membership with Vibrance will cover most of your primary care needs. We encourage our patients to carry some form of health insurance, such as a high-deductible, major medical plan or a plan with a health savings account, in case you’re hospitalized or need a specialist. Talk to your insurance provider about an insurance plan that will work best for you.

Vibrance membership is an upfront investment with many downstream benefits. Care is more accessible with online scheduling, direct messaging, texting and video/telehealth appointments when appropriate. We provide preventive care to keep you healthy, and we manage chronic and urgent care issues. Pricing is transparent with no co-pays, and our partnerships make imaging tests less expensive. Combined, these services can save individuals and families hundreds to thousands of dollars. For examples, sutures provided at Vibrance could save you a trip to the emergency room, thereby saving you emergency room charges and ultimately saving you thousands of dollars.

No, since DPC is not health insurance, you can combine your membership with any health insurance plan.

DPC membership has been shown to save you money on your overall healthcare costs.¹ Individuals ultimately save money because they are more proactive with their health.

Great News: Yes, you can use your HSA to pay for Direct Primary Care!

We’re excited to share a major step forward in healthcare flexibility and affordability! A new federal law now allows patients to combine their Direct Primary Care (DPC) membership with a High Deductible Health Plan (HDHP) — and even better, you can now use your Health Savings Account (HSA) to pay for your DPC membership.

This means you can continue enjoying the benefits of unlimited, personalized care from our clinic while saving money and planning smart with your healthcare dollars.

What this means for you:

• Use pre-tax HSA dollars to pay for your DPC membership
• Keep your HDHP for major medical coverage

Get the best of both worlds: affordable routine care and protection from the unexpected.

At Vibrance Family Health Care, we’re here to simplify healthcare and make it more accessible. This change gives you even more freedom to take control of your health—on your terms.

Have questions? Contact us today to learn how to make the most of your membership under the new law.

Yes! You can use DPC by itself or in addition to your regular insurance plan. DPC often pairs well with high-deductible health plans. Each year the IRS sets the costs for deductibles in the high-deductible health plans. For 2020, the deductible (out of pocket costs) for an individual ranged from $1,400 – $6,900; and for a family the range was $2,800 – $13,800.³ Meaning some families would need to pay up to $13,800 out of pocket.

You can pair your DPC membership with any insurance plan. To find an insurance plan that works best for you:

• Visit with your employer about what employer-sponsored plan may work best. (Typically, high-deductible plans pair well).
• Visit with your insurance agent / health broker to discuss plan options.
• Check with the marketplace by visiting HealthCare.gov.

Yes! Vibrance memberships pair excellent with health sharing plans. Vibrance members can also receive a discount on monthly premiums through our partnership with Zion Health Share.

To learn more visit their site or call them. Let them know that you are a member at Vibrance Family Health Care to receive special rates.