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.

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.