How DPC Integrates with Insurance

This is the most affordable option with the least financial protection.

This option includes all of our offerings, including a prescription drug program. You'll also receive management of all chronic and acute conditions, small procedures, and access to over 1000 free generic medications.

Cons - No protection for large, unexpected health care expenses or accidents. For example, if you were to get into a car accident, receive a cancer diagnosis, or need a name brand medication, you will be responsible for any service or expense not covered by our membership.

Best for healthy people who want access to good care who are comfortable carrying the risk of no financial security for sudden health care expenses.

This is the next most affordable option. You receive all the benefits of DPC with added financial security for emergencies.

You would join Mainely Primary Care for all your routine care and separately join a Health Share like Sedera, Zion or Clearwater. A health share plan adds security for larger unexpected health care expenses. This would add financial security in the case of an auto accident, appendicitis, or visit to the ER. Health shares generally don’t cover ongoing medical expenses or elective surgeries and are designed for protection against sudden, large healthcare expenses.

Health shares are a fraction of the cost of insurance and when combined with DPC, creates an option for the patient that provides excellent daily care as well as coverage for unexpected medical events.

Best for people without large medical expenses who want financial security in case of a sudden medical emergency.

The most expensive option but also the option with most financial security. The combination of a traditional insurance plan with DPC will allow all the benefits of DPC wrapped alongside a comprehensive insurance plan to cover large health care expenses including name brand medications, hospitalizations, elective surgeries, terminal illness, etc.

Best for people who have large health care expenses, like an expensive medication, a planned surgery, an illness that requires regular specialists visits or for people without those expenses but feel most comfortable carrying the highest level of protection.

1. Within Insurance - If you prefer to carry this level of protection but don’t expect large health expenses we recommend enrolling in a high deductible plan that is eligible for an FSA/HSA. Legislation now mandates that HSAs cover the membership dues of DPC and for some plans will count toward the deductible.

Mending Health - Mending health is an insurance company found on the Maine insurance marketplace that has plans that include DPC. If you sign up for one of those plans, Mending will cover the cost of the monthly membership dues of Mainely Primary Care.