Direct Primary Care (DPC) and Health Savings Accounts (HSA)

What is Direct Primary Care?

Direct Primary Care is a membership-style healthcare model where patients pay a recurring fee for access to primary care services (often including messaging, telehealth, care coordination, and longitudinal management).

In a DPC arrangement, the membership generally covers professional services—not insurance billing, and not bundled add-ons like labs or anesthesia.

Why this matters for HSAs

Under updated federal guidance/law, many DPC arrangements can be treated as HSA-eligible medical expenses, provided the arrangement meets the applicable requirements and does not include disqualifying bundled services.

How our care may fit

Our model is designed around ongoing, relationship-based care: longitudinal symptom tracking, medication management, asynchronous check-ins, and proactive follow-up.

• Menopause and perimenopause evaluation and management
• Individualized hormone therapy planning (when appropriate)
• Asynchronous messaging and check-ins for treatment adjustments
• Care coordination and education to help you understand options

What’s usually not included in a DPC membership

This is a general example list—not medical or tax advice.

• Lab testing (membership should not bundle lab services)
• Anesthesia services
• Procedures outside typical office-based evaluation/management
• Medications (paid to the pharmacy), imaging, and specialist fees

If you have an HSA and want to explore this

• Check your HSA plan rules (some administrators have their own documentation requirements).
• Save your invoice/receipt for membership fees and any out-of-pocket medical expenses.
• When in doubt, ask your HSA administrator: “Is a Direct Primary Care membership an eligible expense?”