Direct health care practices
By OLYMPIA, Wash. – Office of Insurance Commissioner, Washington State
How they work
In our state, direct health care practices must register with us. Each is different, but all:
- Serve as your primary care provider for all routine and preventive-care services.
- Include a set monthly fee.
- Don’t involve insurance, so there are no extra charges, deductibles, copays, or insurance billing.
What to consider before you sign up
- Direct health care practices are not considered qualifying coverage under the Affordable Care Act.
- Direct health care providers offer only primary health care services.
- They don’t include coverage for hospital stays, prescription drugs or dental care.
- If you join a direct health care practice, consider also buying a high-deductible health plan, in case you need more costly medical care.
Know your rights
Direct health care practices can’t:
- Charge you more based on your health status or gender; or
- Change the monthly fee more than once a year.
Direct health practices may charge you an additional fee that’s not part of your agreement if they notify you before you receive the service.