Direct Primary Care · Midlothian & Richmond, VA

Is Direct Primary Care worth it if I have insurance?

For many people, yes. For some, the money is close and the difference is access. It depends on what you pay for insurance, how often you need care, and what your plan makes you pay before it helps.

Check with your own numbers Who benefits most

The short answer

Is a membership always cheaper?: No. It’s clearly cheaper if you buy your own insurance, have a family, have an ongoing condition, or already pay for every visit because of a high deductible.
When is it close?: If your job pays for most of your insurance and you almost never need care, the money is close. What you’re buying then is time, easy access, and a medical provider who knows you.
Do I drop my insurance?: No. Keep coverage for emergencies, hospital care, specialists, and imaging. Direct Primary Care is not health insurance.
What it costs: Adults $99 a month on 3-month billing or $109 monthly. Children $59. A household never pays more than $300 a month. One-time $75 enrollment fee per person.

How the two fit together

The membership handles everyday care. Insurance handles the big things.

With insurance alone, you pay every month to have it, then pay again when you go: a copay, or the whole bill until you’ve met your deductible. Many people pay for their regular visits themselves and never reach that point.

A membership is one flat fee for primary care. No copay for included visits and no bill after the visit. Your insurance stays in place for the hospital, surgery, specialists, and imaging.

What the membership covers

Sick and acute visits
Preventive care and a comprehensive annual visit
Management of common chronic conditions
In-office procedures within routine primary care
Lab ordering and review, with blood drawn here
Care coordination and referrals
Direct messaging with your care team during business hours

The laboratory’s charge for running tests, medications, imaging, specialists, and hospital care are separate. See the full list.

Fit

Who benefits most, and who might not.

Who benefits most

People who buy their own insurance. You can pair a membership with a lower-cost plan for the big things.
People on a high-deductible plan. You’re already paying for every visit; the membership replaces that.
Families. One membership for everyone, with a discount for a second adult and a cap on what a household pays.
Anyone with an ongoing condition, such as diabetes, high blood pressure, or thyroid disease. The regular visits are already paid for.
Anyone tired of ten-minute visits, or too busy for a whole appointment. Small things can often be handled by message or a short video visit.

Who might not

People who see specialists a lot. We don’t cover specialists; your insurance does.
People with very expensive medications. Medications aren’t included, though we help you find lower prices on generics.
People who want one card for everything. Some people prefer one plan and one bill, even if it costs more.
People with low-cost work insurance who rarely go. The money is close; what you’d gain is a provider who answers.

Check it yourself

Four numbers tell you most of the answer.

What you pay for insurance each month.
How many times a year each person in your household sees a provider.
What you pay each time you go: your copay, or the full visit cost if you haven’t met your deductible.
What you spent on urgent care and lab bills last year.

Your insurance statements list every copay and bill. The total surprises most people.

Run the comparison

The savings calculator takes those numbers and shows the membership next to what you pay now, including the cases where it costs more.

Open the savings calculator

Prefer to talk it through? Book a free Meet & Greet.

Questions

Direct Primary Care and insurance FAQ

Do I still need health insurance with Direct Primary Care?

Yes. We encourage patients to keep coverage for services outside the membership, including emergencies, hospitalization, specialists, imaging, and other outside services. Direct Primary Care is not health insurance and does not replace comprehensive insurance coverage.

Does Venture Wellness bill my insurance for Direct Primary Care visits?

No. The membership fee covers your included primary-care visits, and no claims are filed for them. Specialists outside Venture are billed by them, usually through your insurance.

Are labs included?

Ordering your labs, drawing blood here, and reviewing your results are included. The laboratory’s charge for running tests is separate, as are medications, supplements, imaging, and other outside services, unless your agreement specifically lists them.

Can I pay with an HSA or FSA?

Whether membership fees are an eligible expense depends on your plan and your tax situation. Check with your plan administrator or a tax adviser before relying on it. We can’t give tax advice.

I’m healthy. Is it still worth it?

It can be. Healthy members use the membership for prevention, a comprehensive annual visit, and the occasional sick visit without thinking about a copay. If you rarely need care and your employer covers most of your premium, the cost is close, and the difference is access and time with your provider.

Is there a commitment?

Membership starts with a three-month minimum. After that you can cancel for any reason: let us know at least 30 days before your next billing date so we can hand off your care properly. Cancellation takes effect at the end of the period you’ve already paid for.

Keep reading

Direct Primary Care vs. concierge vs. insuranceThe three models side by sideCompare Membership pricingEvery rate, discount, and feeSee pricing What we treatConditions, procedures, and physicalsExplore

What our patients say

      
 5.0 
   Top Rated Service 2026 
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Where we are

Venture Wellness in Midlothian, Virginia

2342 Colony Crossing Pl, Midlothian, VA 23112
(804) 601-8625 · info@care.myventurewellness.com

We care for patients from Midlothian, Richmond, Chesterfield County, Bon Air, Powhatan, and Chester, and across the greater Richmond area. Visits are in person at our Midlothian office, and by telehealth when it’s clinically appropriate.

Updated September 2026