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Washington State Office of the Insurance Commissioner

Direct health care practices

A direct health care practice is a medical practice (also called a retainer, concierge or boutique medicine) that charges you a monthly fee and in return you get unlimited access to doctors for primary care services.

How they work

In our state, direct health care practices must register with us. Each is different, but all:

  • Serve as your primary care provider for all routine and preventive care services.
  • Include a set monthly fee.
  • Don't involve insurance, so there are no extra charges, deductibles, copays or insurance billing.

What to consider before you sign up

  • Direct health care practices only provide primary health care services.
  • They don't include coverage for hospital stays or prescription drugs or dental care.
  • If you join a direct health care practice, consider also buying a high-deductible health plan in case you need more costly medical care.

Know your rights

Direct health care practices can't:

  • Charge you more based on your health status or gender
  • Change the monthly fee more than once a year

Direct health practices may charge you an additional fee that's not part of your agreement if they notify you before you receive the service.




Updated 05/14/2012

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Need more help? Call our FREE Insurance Consumer Hotline at 1-800-562-6900
or Email us at cap@oic.wa.gov.