How it works

    Nationwide Direct Primary Care

    Nationwide direct primary care is a flat monthly membership for primary care, urgent care and virtual visits that works in every state, not just at one clinic. Here's how FlexCare 365 works, what it costs and what it does and doesn't cover.

    ~13,000

    Providers: board-certified physicians and urgent care facilities

    All 50 states

    In-person access wherever you are

    Same or next day

    Appointments, usually within 48 hours

    $0

    Virtual visits on every plan

    How it works

    1. 1

      Join online

      Pick a plan and enroll. You don't need insurance or a Social Security number. Your membership starts on the 1st of the following month.

    2. 2

      Call the care line when you need care

      Members book through one dedicated care line, staffed by bilingual medical assistants. There's no calling around to find a practice that's taking new patients.

    3. 3

      See a doctor in person or virtually

      You're booked with a participating physician or urgent care facility near wherever you are that day, usually same day or next day. Virtual visits are $0 on every plan.

    4. 4

      Your records follow you

      Your health records go with you between visits and between states, so you're not starting from scratch every time.

    What's included

    • Unlimited in-person primary care
    • Urgent care
    • Unlimited virtual visits at $0
    • Help managing 13 ongoing conditions, including blood pressure, diabetes, asthma, anxiety, depression and thyroid disorders
    • An annual physical with basic labs after 6 consecutive months of membership
    • A $0 list of common short-term medications and $5 pricing on a list of 200 long-term medications (not available in Maine or Washington)

    What it doesn't cover

    • Emergency room visits
    • Hospital stays and surgery
    • Specialist care
    • Walk-in visits (all appointments are booked through the care line)

    FlexCare 365 is built to sit alongside insurance, not replace it. Many members keep a plan for the big, unexpected costs and use their membership for everyday care. If you think you're having a medical emergency, call 911.

    Plans and pricing

    Flat monthly price, plus a one-time $50 enrollment fee. Virtual visits are $0 on every plan.

    PlanMonthlyCoversVisit fees
    Individual Basic$167One person$10 in-person, $25 urgent care, $0 virtual
    Individual Premium$247One personNo visit fees
    Family Basic$277You and your family$10 in-person, $25 urgent care, $0 virtual
    Family Premium$449You and your familyNo visit fees

    Offering memberships to employees or contractors? See business and group options.

    Nationwide vs local vs virtual-only

    All three get called "direct primary care" or "doctor subscriptions." They're not the same product.

    Local DPC practiceVirtual-only subscriptionNationwide membership
    Where you get careOne clinic or practicePhone or video onlyIn person in all 50 states, plus virtual
    In-person visitsYes, at that clinicNoYes
    Urgent careVariesVirtual onlyIncluded
    If you travel or moveUsually doesn't follow youWorks anywhere, no examsWorks wherever you are
    Best forPeople who stay put and want one doctorSimple issues and refillsPeople who travel, move, or want in-person care without being tied to one clinic

    A good fit if you

    • Travel for work or split time between states
    • Can't get in to see a doctor without waiting weeks
    • Have a high deductible and pay full price for regular visits
    • Are self-employed, a 1099 worker or between jobs
    • Have an ongoing condition that needs regular check-ins

    Probably not the right fit if you

    • Need regular specialist or hospital care
    • Are on Medicare, Medicaid or Tricare
    • Want something to replace insurance entirely

    Common questions

    It's a primary care membership that works across the country instead of at one clinic. You pay a flat monthly fee and get access to primary care, urgent care and virtual visits through a network of participating physicians and urgent care facilities in all 50 states.

    No. It covers everyday care: checkups, sick visits, urgent care, virtual visits and ongoing conditions. It doesn't cover the ER, hospital stays, surgery or specialists, and it doesn't count as health coverage under the Affordable Care Act. Many members keep an insurance plan for those bigger costs.

    Roughly 13,000 providers, made up of board-certified physicians and urgent care facilities, with in-person access in all 50 states.

    Once your membership is active, appointments are usually same day or next day, typically within 48 hours. Virtual visits are often faster.

    Yes. That's the main difference from a local direct primary care practice. Your membership works in any state, through the same care line, with your records following you.

    Plans are $167 a month for Individual Basic, $247 for Individual Premium, $277 for Family Basic and $449 for Family Premium, plus a one-time $50 enrollment fee. Basic plans have a $10 in-person visit fee and a $25 urgent care fee. Premium plans have no visit fees. Virtual visits are $0 on every plan.

    No. You don't need insurance, an insurance card or a Social Security number. Memberships are open to ages 2 to 65. People on Medicare, Medicaid or Tricare aren't eligible.

    On the 1st of the month after you join. It's built for ongoing care, so it's best set up before you need it.

    See a doctor wherever you are

    Join by the end of the month and your membership starts on the 1st.

    Join FlexCare 365 See everything that's included

    Last updated October 2026.

    FlexCare 365 is a healthcare membership, not insurance. It does not satisfy ACA minimum essential coverage requirements and is not a replacement for insurance.