Greensboro direct primary care

Compare Your Primary Care Costs With Direct Primary Care

See how your current routine-care spending compares with a Carolina Medical Group membership. Use your own costs for the clearest estimate, then use the result to guide a conversation about membership and insurance coverage.

Private cost comparison

Estimate your routine-care costs

Use the amounts you actually pay when you have them. Everything stays in this browser and is not submitted to Carolina Medical Group.

1. Your household People joining Carolina Medical Group

Published CMG membership

$90/month

$1,080 per year

Include the one-time enrollment fee in my first-year estimate.
$80 for an individual or $120 for a family.

2. What you pay now Your monthly insurance premium contribution Use the amount you personally pay, not your employer's total contribution. $

Primary-care visits per year Usual primary-care co-pay$ Urgent-care visits per year Usual urgent-care cost$ Annual wellness lab cost last year optional$For basic yearly labs associated with a wellness exam, when indicated. Eligible simple procedure costs last year optional$For services such as ear wax removal, skin lesions, PAP smears, dry needling, or trigger-point injections.

Other routine primary-care costs last year optional$

Optional: value your time

This creates a separate time-value estimate. It does not change the medical-cost comparison.

Your hourly value$ Hours you expect to save per primary-care visit

3. Your insurance with DPC

Many people keep insurance for hospital care, emergencies, specialists, prescriptions, and other care outside membership.

Keep my current insuranceUse the premium above in both comparisons. Compare a different premiumFor a plan you are already considering.

National reference only: In 2025, workers paid an average of $1,440 toward single coverage and $6,850 toward family coverage. The family figure usually represents a family plan rather than your exact household size, location, or benefits. Source: KFF

How to use the estimate

Compare routine care, not every health expense

The calculator focuses on recurring primary-care expenses: the portion of your insurance premium you pay, office co-pays, urgent-care costs, and other routine primary-care costs you choose to include. Carolina Medical Group membership covers routine in-office and telehealth care without co-pays for covered visits.

Insurance can still play an important role for emergencies, hospital care, specialists, prescriptions, imaging, and other care outside membership. A lower premium can change your deductible and out-of-pocket exposure, so compare the full plan details before changing coverage.

Coverage planning

Questions to ask when choosing insurance alongside DPC

Carolina Medical Group can explain membership. For insurance selection, compare the plan documents and speak with your insurer or a licensed insurance professional.

Does the plan protect my household appropriately for hospital care, emergencies, surgery, and specialists?

Are the hospitals, specialists, pharmacies, and medications my household relies on covered by the plan?

What will I personally pay each month, separate from the total premium paid by an employer?

What are the deductible and annual out-of-pocket maximum in a high-cost year?

How are prescriptions, imaging, mental health care, and specialty care covered?

Does the plan fit expected family needs, including pediatric, maternity, or recurring specialty care?

Does the plan require referrals or limit specialist access?

Is the plan HSA-compatible, if that matters to my household?

Common questions

Cost comparison FAQ

Does this calculator show my total health care spending?

No. This planning tool compares routine primary care costs using only the amounts you enter. It does not include hospital care, emergency care, specialists, prescriptions, imaging, or other services outside a Carolina Medical Group membership.

Do I need to cancel my insurance to join Carolina Medical Group?

No. Many members keep insurance for hospital care, emergencies, specialists, prescriptions, preventive exams, imaging, and other services outside membership.

Will I save money with direct primary care?

Every household and insurance plan is different. This tool provides an estimate based on the amounts entered and does not guarantee savings. It can help you compare routine-care costs and decide what questions to ask about coverage.

Accepting New Patients

Want to talk through membership?

Call the office or request an appointment. We can explain Carolina Medical Group membership and answer questions about what it includes.

Request an Appointment Call 336.895.1017