Why Direct Primary Care Makes Sense Alongside Insurance

Dr. Nevarez and at EmpowerMD – Direct Primary Care, we believe deeply in the future of Direct Primary Care (DPC). Our model puts relationships, accessibility, and transparency at the center of your healthcare. However, we also recognize that health insurance still plays an important role in our healthcare system—especially when it comes to hospital care, surgeries, or unexpected emergencies.

The challenge many families face is cost. Insurance premiums have risen so high that the idea of paying for both insurance and a DPC membership can feel out of reach. In reality, for many patients, pairing a high-deductible insurance plan with a DPC membership not only saves money but also delivers more consistent, personalized care.

A Real-World Example

Take a family of three. A comprehensive “Cadillac” health plan can cost over $1,600 per month, with a $1,500 deductible. Compare that to a bronze high-deductible plan at about $789 per month, which comes with a larger $12,000 deductible but saves the family $850 every month—or about $10,000 per year.

On paper, that sounds like a win. But here’s the problem: with such a high deductible, families often put off seeing their doctor. They worry about out-of-pocket costs for office visits, labs, imaging, and medications. That hesitation can lead to more urgent care or ER visits, which only adds to the expense and stress.

How DPC Changes the Equation

Now, imagine that same family also has a DPC membership with Dr. Nevarez at EmpowerMD. For around $220 per month for the entire family, they gain:

• Unlimited visits with a Doctor they know and trust

• Same-day or next-day appointments

• After-hours access for urgent needs (avoiding unnecessary ER trips)

• Deeply discounted lab and medication pricing—sometimes up to 90% off

  
  

This allows the family to continue saving hundreds of dollars each month compared to the costly “Cadillac” plan, while also enjoying peace of mind and direct access to high-quality Physician led primary care. Additionally, starting January 1st, you can use tax-free dollars from your HSA to cover your DPC membership!

The Dr. Nevarez and EmpowerMD Difference

At EmpowerMD, we believe healthcare should feel personal, accessible, and affordable. Our DPC model ensures you never have to choose between your family’s health and financial well-being. By combining a high-deductible insurance plan with a DPC membership, you can protect yourself from big medical expenses while also receiving the everyday, preventive, and lifestyle-focused care you deserve.

We’re here to welcome you into a new kind of primary care—one built on trust, transparency, and genuine connection.

💜 Dr. Alba Nevarez and the EmpowerMD Team