When someone says "I already have insurance"

"I already have insurance" is an answer you will hear. It's a fair point: why pay twice? The honest answer is that insurance and DPC do different jobs. Show what they pay now for primary care, what they'd get with DPC, and let them decide.

Agree first

"That makes sense. Insurance covers the big things: hospitals, surgery, specialists. We handle everyday care."

Ask what primary care looks like for them now

• How long does it take to get an appointment?
• Can they reach their doctor directly?
• What do they pay per visit before their deductible is met?

Let their answers make the case.

Show the numbers

In a made-up example, someone with a $4,000 deductible pays $150 for a sick visit, $90 for labs and $40 for a generic medication, three times a year. That's $840. Membership at $80 a month is $960, with unlimited visits, low-cost labs and a doctor they can text. Use your own prices and theirs.

Mention lower-cost coverage, carefully

A member may pair DPC with a plan that costs less each month. Don't tell anyone to change their insurance. Suggest they talk with their broker or benefits contact. If their employer pays for DPC, the conversation is different. Employer-paid DPC and HSAs in 2026.

Don't argue

If they're happy with their current doctor and costs, say so and leave the door open. How to follow up later.

What I'd do this week

• Write a real example using your prices.
• Add "Do I still need insurance?" to your website's top questions.
• Practice the answer out loud.

Common questions

Can members use insurance for labs and imaging?
It depends on how your practice handles orders. Explain what you do.

Is DPC worth it for someone who rarely sees a doctor?
Sometimes not. Be honest.

Should I compare my price to their premium?
No. Compare DPC with what they pay for primary care now, not their whole plan.