Health insurance for catastrophe. Foundations for everything in between.
Direct Primary Care pulls routine care back out of the insurance system. Members pay a flat monthly fee for unhurried visits, direct access to their doctor, and in-office procedures with no copays. Keep your insurance for what it's really for.
Imagine running your piano lessons through insurance.
Your primary doctor used to work the way piano teachers still do — someone who knew the whole family, noticed when you came in tired, remembered the surgery from three years ago. Then we put insurance between you and her. The relationship thinned. The bill went up.
Foundations puts the relationship back where it was. A flat monthly fee for a doctor who knows you. Your insurance kept for the rare, expensive things it was always meant to cover.
Why we built Foundations differently — a short look at what's broken in primary care, and how this model fixes it.
Routine care ↔ Catastrophic events
A monthly membership for the doctor who knows you. Insurance still doing its real job — standing by for the rare, expensive moments when you genuinely need it.
Membership covers
(the routine)
- Office visits
- EKGs, strep, urine tests
- Chronic disease management
- Wellness & prevention
- Text / phone / video access
Keep insurance for
(the rare and expensive)
- Hospitalization
- Surgery
- Specialist care
- Emergency room visits
- Major imaging
How DPC fees work with your tax-advantaged accounts.
The 2025 federal change made DPC a qualified medical expense for HSAs, FSAs, and HRAs. Here's a plain-English summary of how each pathway works for individuals and families. Primary sources at the bottom for your CPA.
HSA (Health Savings Account)
As of January 1, 2026 (One Big Beautiful Bill Act + IRS Notice 2026-05), DPC fees are a qualified medical expense for HSAs — up to $150/month per individual or $300/month per household. Foundations rates fit comfortably under the cap.
To contribute to an HSA you still need a qualifying high-deductible health plan. To spend existing HSA dollars on Foundations, you don't.
FSA (Flexible Spending Account)
Most FSAs treat DPC fees as a qualified medical expense. You can typically use pre-tax FSA dollars for your monthly membership. Your plan administrator has the final word — ask them in writing.
HRA (Health Reimbursement Arrangement)
Employer-funded HRAs — including ICHRA and QSEHRA — can generally reimburse DPC membership fees. Many Oklahoma employers pair an HRA with DPC to give employees real primary care without the insurance overhead.
Itemized medical deduction (Schedule A)
DPC membership fees generally qualify as a medical expense under IRC §213. If you itemize and your total medical expenses exceed 7.5% of your AGI, the excess is deductible.
Self-employed health insurance deduction
DPC membership isn't traditional health insurance under IRC §162(l), so most conservative tax preparers do not include DPC fees in the self-employed health insurance deduction. Bring your situation to your CPA.
Already on a Mending plan?
HSA contributions still require a qualifying HDHP. Some Mending tiers (like Gold) carry $0 deductibles — rich coverage, but not HSA-compatible for contributions. Lower-deductible tiers may qualify. Check the full FAQ HSA treatment for the math.
This is general information, not tax advice. IRS treatment of Direct Primary Care continues to evolve, and your individual situation matters a lot. Always verify with your accountant, tax preparer, or benefits administrator before making a decision based on what you read here.
Primary sources you can cite
If you (or your accountant) want to verify any of the above, here are the underlying documents.
- IRS Notice 2026-05 (PDF) The official Treasury/IRS guidance issued December 9, 2025 — defines a "Direct Primary Care Service Arrangement," sets the $150 / $300 monthly caps, and clarifies HSA compatibility. →
- KPMG TaxNewsFlash — Notice 2026-5 analysis KPMG's plain-English breakdown of how the new HSA eligibility rules under OBBBA work for individuals and employers. →
- Groom Law Group — A Big, Beautiful Break for HSAs Detailed legal analysis of the OBBBA HSA provisions and the implementing IRS guidance, written by employee-benefits attorneys. →
Five ways our members handle coverage.
Foundations is not insurance. It replaces the primary care piece of your existing setup — not the catastrophic side. Here are the five most common ways our members combine Foundations with whatever else they have in place.
One monthly fee. Everything a primary care doctor used to do — and most of what they should.
No deductibles. No copays. No billing department in the middle. Roughly 85–90% of what typical healthcare sends you elsewhere for, we handle right here[1].
Visits that take the time they need
30–60 minute appointments. Direct text, call, or video access between visits — even after hours.
Whole-family primary care
Adult physicals, women's health, pediatrics, chronic disease management. One doctor, the whole household.
In-office procedures included
EKGs, strep, urine tests, basic wound care, biopsies, stitches. $0 for members on the basics; well below market on the rest.
Wholesale-priced bloodwork
Negotiated directly with labs and dispensed at cost. Generics at pass-through pricing. Saves most members hundreds a year.
Specialist referrals & second opinions
If you need someone we don't do in-house, we coordinate the right specialist and stay involved through the loop.
Yoga & manual therapy on-site
Members get access to exclusive yoga and craniosacral/manual therapy with our licensed OT — rare for a primary-care setting.
Same-day, next-day, weekends
Our schedule has room for urgent needs because we keep visits unhurried — no double-booking, no shoehorning you in.
Annual physicals & screening labs
A full wellness lab panel under $30 for most patients. Preventive screening tailored to age, history, and goals — not a billing code.
HSA/FSA-eligible, no copays in office
Federal law (Jan 1, 2026) makes monthly DPC fees a qualified medical expense. Nothing extra to pay at the front desk.
[1] The 85–90% figure reflects what Dr. McLaurin handles in-house in this practice — the visits, procedures, labs, and chronic management that don't require a sub-specialist. Industry-wide DPC studies (DPC Alliance, AAFP) report similar ranges; ours is from our own clinic data.
What proactive care looks like across a lifetime.
Tap a life stage to see the preventive touchpoints we plan for at that age. Every member's plan is personalized — these are the conversations we want to have on schedule, not as catch-up.
These are general preventive-care touchpoints. Your specific recommendations depend on family history, current health, and your conversations with Dr. McLaurin — not a chart.
Ready for a doctor who has time for you?
Tour the clinic at 525 N.W. 11th in downtown OKC, meet Dr. Emily and the team, ask every question you've been saving up. No paperwork, no pressure.
Call 405-563-7200