Direct Primary Care is one of those healthcare models that sounds almost too good to be true when you first hear about it. Unlimited visits, same-day appointments, direct access to your physician by text or phone, no copays, and a flat monthly fee. For people who have spent years navigating the frustrations of traditional insurance-based healthcare, the natural reaction is to wonder what the catch is and what exactly is and is not covered.
At Jersey Family Health in Princeton, NJ, Dr. Salman Saad, MD and Dr. Moizah Saad, DO designed their Direct Primary Care membership with transparency as a core principle. There are no hidden exclusions buried in the fine print, no surprise charges for services you assumed were included, and no ambiguity about what your monthly fee actually covers. This guide walks through the full scope of what a DPC membership at Jersey Family Health includes, what falls outside the membership, how pricing is structured for individuals and families, and how to decide whether DPC is the right fit for your healthcare needs.
The Core Idea Behind a DPC Membership
Before getting into specifics, it helps to understand what a DPC membership is structurally. When you enroll in a DPC membership, you are paying a flat monthly fee that gives you unlimited access to primary care services from your physician. There is no billing to insurance for covered visits, no copays at the time of service, no deductible to meet before your membership benefits apply, and no per-visit charge for the services included in your membership.
The reason this works financially is that DPC practices keep their patient panels intentionally small. A traditional insurance-based physician might manage a panel of 2,000 or more patients to maintain viability under a fee-per-visit billing model. A DPC physician keeps a significantly smaller panel, which is funded by the predictable monthly membership revenue rather than per-visit insurance reimbursements. That smaller panel is what makes extended appointments, same-day scheduling, and direct physician access genuinely possible rather than just a marketing claim.
At Jersey Family Health, the DPC membership is built around primary care in the fullest sense of the term. It covers the breadth of services that most patients need most of the time, delivered with the access and continuity that the traditional model rarely provides.
What Is Included in a Jersey Family Health DPC Membership
Unlimited Primary Care Visits
The most fundamental component of DPC membership is unlimited office visits with no per-visit charge for covered services. This means you can come in as often as your health requires without worrying about the cost of each visit.
This is a bigger deal than it sounds in practice. In traditional insurance-based care, the copay at each visit is a real, if subconscious, deterrent. Patients delay follow-up appointments, skip check-ins during medication changes, and talk themselves out of seeing the doctor for concerns that feel minor but deserve attention. Under DPC, that financial friction is removed entirely. If something is bothering you, you come in. If your chronic condition needs more frequent monitoring, you schedule more frequent visits. If your child wakes up with an ear infection on a Monday morning, you book a same-day appointment rather than debating whether it is worth the copay.
Jersey Family Health DPC members are seen for a minimum of 30 minutes per appointment, and extended visits are available for more complex discussions. That time commitment is guaranteed, not aspirational.
Same-Day and Next-Day Appointments
Same-day appointments are available for DPC members at Jersey Family Health whenever possible. This is one of the most practically significant benefits of the membership, and one that makes the largest difference in day-to-day healthcare experience.
In a traditional practice, getting a same-day appointment is often not possible. Sick visits may be available on a limited basis, but for anything beyond an acute illness, waiting days or weeks is the norm. This access barrier pushes patients toward urgent care, emergency rooms, and telehealth services that lack knowledge of their history. DPC eliminates the need for those workarounds by making timely access to your own physician the default rather than the exception.
Direct Physician Access
DPC members at Jersey Family Health have direct access to their physician by phone, text, and email. This is not access to a nurse line or an answering service. It is direct communication with Dr. Salman Saad or Dr. Moizah Saad, the physician who knows your health history and your care plan.
The practical value of this access is substantial. A quick question about a medication side effect, a concern about a lab result, guidance on whether a symptom warrants an in-person visit, or a check-in during a period of medication adjustment can all be handled through direct communication without booking a formal appointment. For patients managing chronic conditions, this ongoing access between visits is a core part of what good disease management actually looks like.
Preventive Care and Annual Physicals
Preventive care is fully included in the DPC membership, and it goes well beyond a basic annual checkup. Jersey Family Health’s approach to preventive care is comprehensive and proactive.
Annual physical exams are thorough reviews of overall health status, appropriate for both adults and children. They include a complete physical examination, review of all active health conditions and medications, age and risk-appropriate screenings, and a forward-looking discussion of your health goals and any areas of concern. These are not 15-minute insurance-mandated wellness visits. They are substantive appointments that give your physician the time to actually assess your health comprehensively.
Cancer screenings appropriate to your age, sex, and risk profile are incorporated into preventive care. Hearing and vision screenings are available. Sports physicals for student athletes are included. Preoperative exams required before surgery are covered without additional fees.
Immunizations and vaccinations are part of the preventive care scope for both adults and children, keeping patients current on recommended schedules without a separate billing event for each shot.
Chronic Disease Management
Chronic disease management is one of the most important components of the DPC membership for many patients. Conditions including hypertension, type 2 diabetes, asthma, COPD, heart disease, atrial fibrillation, and congestive heart failure are all managed within the DPC membership at no additional per-visit cost.
For patients managing chronic conditions, this is where the DPC model creates the most significant difference compared to traditional care. Follow-up visits, medication adjustments, lab monitoring, symptom reviews, and proactive check-ins are all included. The frequency of visits is driven by clinical need rather than cost, which means patients get the level of engagement their condition actually requires rather than the minimum their budget allows.
Acute Care Visits
Acute care visits for sudden illness and minor injuries are covered under the DPC membership. When you wake up with a sore throat, develop a urinary tract infection, or sustain a minor injury, you can be seen same day without an additional charge.
Specific acute care services included in the membership at Jersey Family Health cover sick visits for common illnesses, UTI evaluation and treatment, ear wax removal, laceration repair for minor cuts and wounds, and abscess drainage for skin infections. These in-office procedures are handled without additional procedure fees for DPC members, which represents real savings compared to having the same services performed at an urgent care center.
Women’s Health Services
Jersey Family Health provides a comprehensive range of women’s health services within the DPC membership. Dr. Moizah Saad, who is certified through the Heather Hirsch Academy and is a member of the North American Menopause Society (NAMS), brings particular depth to this area of care.
Women’s health services included in the membership cover well-woman exams, pap smear tests, HPV screenings, STI testing, breast health screening, lifestyle and symptom management, menopause management, and hormone therapy. For women navigating perimenopause, menopause, or hormonal health concerns, having a physician with specific training and experience in this area, combined with the access and continuity of DPC, is a meaningful clinical advantage.
Men’s Health Services
Men’s health services are fully integrated into the DPC membership. This includes preventive men’s care, prostate health screening, testosterone testing and treatment, and men’s sexual health care. The direct access and extended appointment times of DPC are particularly valuable in men’s health, where many patients are more likely to follow through with care when the process is straightforward and the physician relationship is established.
Pediatric Care
DPC membership at Jersey Family Health covers patients ages 10 and up, making it a genuine family healthcare solution. Pediatric care within the membership includes well-child visits at developmentally appropriate intervals, immunizations, sports physicals, sick visits, and school physical documentation. For parents, having same-day access to their child’s physician for acute illness, concerns about development, or questions about medications is one of the most frequently cited reasons for choosing DPC.
Mental Health Support in Primary Care
Mental health services at Jersey Family Health include anxiety and depression management integrated into the primary care setting. For many patients, having mental health addressed by the physician who already knows their full health picture is more effective than navigating a separate mental health system. Medication management for anxiety and depression, coordination with therapists and psychiatrists when needed, and ongoing monitoring of mental health alongside physical health are all part of the comprehensive care the membership supports.
Lab Work at Wholesale Pricing
Laboratory testing is one of the most significant financial components of ongoing primary care, particularly for patients managing chronic conditions. DPC membership at Jersey Family Health includes in-office lab draws, with external lab processing available at wholesale pricing that is substantially below standard retail rates.
For context, standard retail lab pricing for an uninsured or high-deductible patient can be dramatically higher than what a DPC practice pays through its lab partnerships. A comprehensive metabolic panel, lipid panel, or HbA1c test that might cost $150 to $300 at retail may be available to DPC members at a fraction of that cost. Over the course of a year, particularly for patients requiring quarterly or more frequent lab monitoring, this represents meaningful savings.
Wellness labs and preventive lab panels are ordered as clinically appropriate and reviewed with patients during appointments or through direct communication, rather than sent as a notification through a patient portal with no context.
Telehealth Consultations
Telemedicine is included in the DPC membership. Jersey Family Health is a licensed telehealth provider in New Jersey, New York, and California, which means DPC members can access their physician via secure virtual visit regardless of which of those three states they are in at the time of the consultation.
This is meaningfully different from generic telehealth platforms that connect patients with unfamiliar providers. Telehealth visits through Jersey Family Health are with your own physician, who knows your history, your medications, and your ongoing care plan. For patients who travel for work, college students maintaining continuity with their home physician, or simply for situations where a virtual visit is more convenient than an in-person appointment, this included telehealth access is a practical benefit.
In-Office Procedures
A number of minor procedures are performed at Jersey Family Health within the DPC membership without additional procedure fees. These include joint injections for musculoskeletal pain, steroid injections, abscess drainage, laceration repair, ear wax removal, and skin lesion removal. In a traditional insurance-based setting, these procedures carry separate billing codes with their own copays or cost-sharing requirements. Under DPC, they are covered as part of the membership when performed in office.
Additional Services Within the Membership
The DPC membership also supports several additional health services that round out the comprehensive primary care scope. Medical weight loss and counseling is available for patients managing weight-related health concerns, combining clinical oversight with practical lifestyle guidance. Smoking cessation support is offered for patients working toward quitting. Geriatric care for older adults is built into the practice’s scope, with appropriate attention to the complexity of managing multiple conditions and medications in aging patients. Executive health services are available for professionals seeking comprehensive preventive monitoring with the convenience that DPC access provides.
What Is Not Included in a DPC Membership
Being clear about the boundaries of DPC membership is just as important as explaining what is included. DPC is not health insurance, and it does not replace insurance for services that fall outside the primary care scope.
Specialist consultations are not covered by DPC membership. When your primary care physician determines that a referral to a cardiologist, endocrinologist, orthopedic surgeon, or other specialist is appropriate, the specialist’s fees are separate from your DPC membership. Jersey Family Health handles the referral and coordination process, but the specialist visit itself is billed through your insurance or paid out of pocket.
Hospital admissions, emergency room visits, and urgent care at outside facilities are not covered by DPC membership. These services require insurance coverage or self-pay arrangements with the hospital or facility.
Advanced imaging including MRI, CT scans, and X-rays performed at external imaging centers are not included. Your DPC physician can order these studies and help you navigate costs, but the imaging facility fees are separate.
Major surgical procedures performed outside the clinic are not covered by the membership. In-office minor procedures are included, but anything requiring an operating room or surgical facility is an insurance matter.
This is why most DPC members maintain a separate insurance plan alongside their membership, typically a lower-premium high-deductible or catastrophic plan that covers the hospital-level and specialist-level care that DPC does not. For many families, this combination costs less overall than a comprehensive insurance plan while delivering significantly better primary care access.
DPC Membership Pricing at Jersey Family Health
Jersey Family Health structures its DPC membership pricing transparently, based on age groups and family composition, with no hidden fees. Full and current pricing details are available on the pricing page, but the general structure is as follows.
Individual membership rates are tiered by age, with lower rates for children and young adults and standard rates for adults 25 and older. Family membership plans are available for couples and families of varying sizes, with rates structured to make comprehensive family coverage accessible without compounding individual costs for each family member.
All membership tiers include the same comprehensive benefits: unlimited visits, direct physician access, same-day scheduling, extended appointment times, included telehealth, wholesale lab pricing, and no per-visit charges for covered services. The membership fee is the only recurring cost for covered primary care services.
For employers interested in offering DPC as a workplace health benefit, Jersey Family Health also works with businesses through its employer program.
How to Enroll in a DPC Membership
The enrollment process at Jersey Family Health is straightforward and begins with a free initial consultation. This is an opportunity to meet the physicians, ask questions about what is included, discuss your specific health needs, and decide whether DPC membership is the right fit before making any financial commitment.
After the initial consultation, choosing the appropriate membership plan for your situation is the next step. The team walks through pricing and what each plan includes, so there are no surprises at enrollment. The paperwork is minimal and the setup is quick, with no insurance pre-authorizations or lengthy administrative processes involved.
Once enrolled, your first formal appointment as a DPC member is a comprehensive welcome visit where your physician reviews your full health history, orders any baseline labs appropriate for your situation, and develops a personalized care plan. From that point forward, all the membership benefits are active, including same-day scheduling and direct physician access.
Frequently Asked Questions
Does the DPC membership cover visits for my whole family under one fee?
Family membership plans at Jersey Family Health cover all enrolled family members, with pricing based on the number and ages of individuals in the plan. Each enrolled family member receives the full scope of DPC benefits, including same-day scheduling, direct physician access, and unlimited visits. The family plan structure is designed to make DPC accessible without multiplying individual membership costs for each family member. Contact the practice for current family plan pricing specific to your household composition.
Can I use my HSA or FSA funds to pay for a DPC membership?
This is an area where tax rules are nuanced and have been evolving. Health Savings Account (HSA) and Flexible Spending Account (FSA) eligibility for DPC membership fees depends on your specific plan type and current IRS guidance. It is worth discussing with your benefits administrator or tax advisor. Some patients use HSA funds for DPC-adjacent costs like wholesale lab work even when the membership fee itself may not qualify. Jersey Family Health can provide documentation to support whatever tax treatment applies to your situation.
What happens if I need care that is not covered by the DPC membership?
Your DPC physician will handle the coordination for any care that falls outside the membership scope. This includes specialist referrals, ordering imaging at external facilities, hospital coordination, and connecting you with prescription assistance programs when needed. The patient care coordination included in the membership means you are not navigating those processes alone. Your physician is an active advocate throughout, ensuring that specialist recommendations are integrated into your overall care plan and followed up on consistently.
Is there a long-term contract or commitment required for DPC membership?
DPC membership at Jersey Family Health operates on a monthly basis. There is no requirement to commit to a year-long contract to enroll. The monthly structure means you can start when it makes sense for you and adjust if your circumstances change, without being locked into a lengthy financial commitment.
How is DPC membership different from concierge medicine?
DPC and concierge medicine share some surface similarities, including direct physician access and smaller patient panels, but they differ significantly in cost structure and philosophy. Concierge practices typically charge membership fees on top of continuing to bill insurance for visits, which means patients are paying twice. DPC removes insurance billing from the primary care relationship entirely, replacing it with a single flat monthly fee that covers all primary care services. The result is a more transparent, typically more affordable model that is designed to be accessible rather than exclusive. Jersey Family Health’s DPC pricing reflects this accessibility-focused approach.
Conclusion
A DPC membership at Jersey Family Health covers the full scope of what primary care should be: unlimited visits, same-day access, extended appointments, direct physician communication, preventive care, chronic disease management, acute care, in-office procedures, women’s and men’s health, pediatric care, mental health support, and lab work at wholesale pricing, all for a single transparent monthly fee with no copays and no surprise bills for covered services.
What it does not cover are the hospital-level and specialist-level services that insurance is genuinely designed for. Most DPC members pair their membership with a lower-cost insurance plan for those needs, creating a combination that typically delivers better primary care access at lower overall cost than traditional insurance alone.
If you want to understand exactly what DPC membership would mean for your specific situation, the most direct path is a free initial consultation with the Jersey Family Health team. Visit the contact page to schedule one.
Medical Disclaimer:
The information in this article describes general features of the Direct Primary Care membership model at Jersey Family Health and is intended for informational purposes only. It does not constitute medical advice or a guarantee of specific services. Membership inclusions, pricing, and availability are subject to change. Consult directly with Jersey Family Health for the most current and complete information about membership terms. DPC membership is not health insurance and does not replace coverage for hospital, specialist, emergency, or other non-primary care services.
