Direct Primary Care in Northern Virginia

At Summit Direct Care, we've rebuilt primary care around the relationship that should have been at the center all along — the one between you and your doctor. We're a membership-based direct primary care (DPC) practice in Fairfax, Virginia, caring for individuals and families across Northern Virginia with unhurried visits, same-day access, and honest, transparent pricing. No insurance required, no co-pays, no rushing you out the door.

A Day in DPC vs. Traditional Care | Summit Direct Care

A Day in Direct Primary Care vs. Traditional Care

Same situations, very different experiences. Click any scenario below to see how Summit Direct Care changes the picture.

Over a Year of Care

The everyday differences add up.

~40 hrs
Time saved waiting
$2,000+
Estimated savings
24/7
Direct doctor access
Unlimited
Visits, no copays
Become a Member

Estimates based on typical primary care utilization. Your actual savings may vary.

Direct primary care vs. traditional care

The everyday difference is easiest to feel in a real situation — waking up sick on a Monday, needing a prescription refill, managing a chronic condition. Scroll down to see the same day play out the old way versus the Summit way, and use our calculator to estimate what direct care could save your household in a year.

Do I still need insurance?

Direct primary care is not insurance, and we're always upfront about that. Summit covers your everyday primary and urgent care beautifully, but it doesn't pay for specialists, hospital stays, or emergencies. Most of our members pair their Summit membership with a lower-cost high-deductible health plan (and often a Health Savings Account), or with a healthshare like Sedera, then use Summit for the day-to-day care they actually use most. Some healthy members choose to use Summit on its own. We're happy to talk through what fits your situation.

Who direct primary care is a good fit for

  • Families who want one trusted practice for everyone, from kids to grandparents

  • Busy professionals who can't afford to lose half a day in a waiting room

  • The self-employed and small businesses looking for better care at a predictable cost

  • Anyone with a high-deductible plan or HSA who's effectively paying full price for primary care anyway

  • People who are simply tired of feeling like a number and want a doctor who knows their story

Annual Savings Calculator | Summit Direct Care

Compare the Cost of DPC + Your Best Coverage Match

Direct primary care works best when paired with the right coverage. Read the four options below, then walk through the 4 quick steps that follow — your annual savings will be waiting at the very bottom.

1Read the four pathways → 2Enter your numbers → 3Pick a pathway → $See your savings

Four ways to pair Summit with coverage

Most comprehensive

DPC + Traditional Insurance

Keep your current PPO or non-HDHP plan and add a Summit membership. You get unlimited primary care plus full insurance coverage for specialists and hospital stays.

  • Best for: Families with chronic conditions or who want predictable copays
  • Trade-off: Highest total monthly cost
Tax-smart

DPC + HDHP with an HSA

Pair Summit with a high-deductible health plan and a Health Savings Account. You can use HSA dollars to pay your Summit membership tax-free, plus the HDHP gives you protection for catastrophic events at a much lower premium.

  • Best for: People who want lower premiums and tax-advantaged savings
  • Trade-off: High deductible if you need specialist or hospital care
Often the biggest savings

DPC + Healthshare

Replace insurance with a non-insurance medical cost-sharing community like Sedera, Zion, or CHM. Members share each other's larger medical costs while Summit covers everyday care.

  • Best for: Healthy households comfortable with a non-insurance model
  • Trade-off: Not insurance; some pre-existing conditions may be limited
Lowest monthly cost

DPC Alone

Skip the monthly insurance premium entirely and rely only on Summit for primary care. You'd pay out of pocket (or via savings) for any specialist or hospital care.

  • Best for: Young, healthy individuals with savings for emergencies
  • Trade-off: No protection from a major hospital bill

Tell us about your situation

Four quick steps below — none of them take more than 30 seconds. Use rough estimates wherever you're unsure; you can always adjust. Keep scrolling all the way to the bottom to see your annual savings.

Your current plan (what you pay today) Step 1 of 4
$
$
↓ Next: tell us who's joining Summit
Who's joining? Step 2 of 4
Ages 0–20
$59 / month each
0
Ages 21–59
$109 / month each
1
Ages 60+
$139 / month each
0
Your household membership
$109 / mo
↓ Next: how often do you typically use care?
Typical year of care Step 3 of 4
↓ Almost done — pick a pathway and your savings will appear right below
Choose your pathway Step 4 of 4
Heads up: Summit Direct Care is not insurance. Most members keep a high-deductible plan or pair Summit with a healthshare like Sedera, then use Summit for everyday care, labs, and meds at wholesale cost.

Your annual comparison

Updates live as you change your inputs above.

You'd save approximately
$0
per year with a Summit membership
Without Summit
$0
With Summit
$0
Where the savings come from
Visit costs avoided $0
Wholesale lab pricing $0
In-house & wholesale medications $0
Avoided urgent care / ER visits $0
Less: Summit membership $0
And the savings aren't just in dollars
0 hours saved each year
No more 45-minute waiting rooms or three-hour urgent care trips. Direct access to your doctor by phone, text, or same-day visit means problems get handled in minutes — not afternoons off work.
  • Less time in primary-care waiting rooms0 hrs
  • Urgent care & ER trips avoided0 hrs
  • Pharmacy & lab errands eliminated0 hrs
Inquire more
No commitment — see if Summit is right for you.

Frequently Asked Questions

Direct primary care in Fairfax, VA — answered.

Is direct primary care the same as concierge medicine?
They’re cousins. Both give you more time and access than traditional care, but concierge practices usually still bill your insurance on top of a higher annual fee, while direct primary care replaces insurance billing with one transparent monthly membership — which is why our pricing is a fraction of most concierge practices.
Does not taking insurance change how you care for me?
Yes — and it’s one of the biggest reasons the model works. When a practice depends on insurance to get paid, the insurer’s codes, time limits, and approval rules quietly shape the care you receive. Because we don’t bill insurance for what we do, none of that sits between us and you. We’re free to give you the time your situation actually needs, to recommend what’s genuinely best rather than what a plan will reimburse, and to build your care around your goals instead of a billing checklist. Not depending on insurance money — or its requirements — is exactly what lets us keep your health first, every time.
Do I need health insurance to join Summit?
No. Membership is separate from insurance and works with or without it. That said, we recommend most members keep some form of coverage — a high-deductible plan or a healthshare — for specialists, hospital stays, and emergencies, which membership doesn’t cover.
How much does a membership cost at Summit Direct Care?
Membership runs $59/month for youth (0–20), $109/month for adults (21–59), and $139/month for seniors (60+), with a $325/month family cap and a one-time $99 enrollment fee. There are no co-pays or visit fees on top of that.
Can I use my HSA or FSA to pay for membership?
Yes — and a recent change in federal law made it easier. As of January 1, 2026, the One Big Beautiful Bill Act treats direct primary care memberships as an HSA-qualified medical expense, so you can pay your Summit membership with tax-free HSA dollars — up to $150 per month for an individual or $300 per month for a family (limits that adjust for inflation over time). Our individual memberships fall within that limit. FSA rules differ, so check with your plan administrator, and because every tax situation is unique, we’d suggest confirming the details with your administrator or tax advisor. We’re always glad to help you understand the options.
What conditions do you treat?
As a full-scope family medicine and direct primary care practice, we care for the whole person across all ages — managing most everyday and chronic conditions, and coordinating with specialists when something needs a higher level of care. A sample of what we help with:
  • Metabolic & endocrine: diabetes (type 1, type 2, and prediabetes), thyroid disorders (hypothyroidism, hyperthyroidism, Hashimoto’s), high cholesterol, metabolic syndrome, obesity and weight management, gout, osteoporosis.
  • Heart & vascular: coronary artery disease (CAD), cardiovascular disease, high blood pressure, palpitations, and cardiovascular risk reduction.
  • Autoimmune & inflammatory: autoimmune conditions, rheumatoid arthritis, psoriasis, celiac disease, and co-management of lupus and inflammatory bowel disease.
  • Allergy & immunology: seasonal and environmental allergies, allergic rhinitis, eczema, asthma, allergy evaluation, and allergen immunotherapy — including sublingual immunotherapy (SLIT).
  • Respiratory: asthma, COPD, bronchitis, sinus infections, and seasonal illness.
  • Digestive: acid reflux (GERD), irritable bowel syndrome (IBS), constipation, and H. pylori.
  • Mental & behavioral health: anxiety, depression, stress, insomnia and sleep concerns, and ADHD.
  • Women’s & men’s health: hormone health, low testosterone, perimenopause and menopause, PCOS, well-woman and well-man care, contraception counseling and natural family planning.
  • Skin: acne, rashes, skin infections, minor lesion removal and biopsies, and skin cancer screening.
  • Bone, joint & muscle: joint and back pain, arthritis, sprains and strains, sports injuries, and in-office joint injections.
  • Infections & acute care: strep, flu, COVID, UTIs, STIs, wound care, sutures, and same-day sick visits.
  • Prevention & wellness: annual physicals, preventive screening, and a whole-person approach to nutrition, sleep, stress, and lifestyle.
Don’t see your condition here? Just ask — chances are we can help, or point you to the right place.
Do you care for children and whole families?
Yes. We care for all ages, and families enroll together under our $325/month cap. Youth members enroll with a parent.
What happens if I need a specialist or the hospital?
We coordinate your care and help you navigate referrals, imaging, and specialists — often at better cash prices. The specialist or hospital care itself is where your insurance or healthshare comes in; that’s what it’s there for.
Can I really get a same-day appointment?
Yes — same-day and next-day visits for sick care are a core part of membership, not an exception. Direct access to your team by phone or message means many problems get handled in minutes without a visit at all.
How do I reach my provider after hours?
Members have after-hours access to an on-call provider you already know from the practice — not a stranger at a call center.
Can you prescribe and fill my medications?
Yes. We prescribe as needed and dispense many common medications in-office at wholesale cost, so you can often skip the pharmacy trip and the markup.
Is there a contract? Can I cancel?
Membership is month-to-month after a short three-month initial commitment. After that you can cancel any time with 30 days’ notice.