Frequently Asked Questions

Explore the most common questions about Stephen Smiley, MD Direct Primary Care. Find answers regarding membership, services, and more to simplify your experience with us.

Is This a Form of Health Insurance?

No, it's not. I intentionally avoid being classified as health insurance so I can prioritize caring for you and your family rather than navigating costly and complex insurance regulations.

Will Having a Membership Exempt Me from the Healthcare Tax Penalty?

Membership alone does not qualify as health insurance under the Affordable Care Act (ACA or Obamacare). However, starting in 2019, the tax penalty for not having insurance is $0, effectively eliminating the requirement to have health insurance. There are now more options available for individuals, families, and businesses to pay for healthcare.

Is Health Insurance Accepted as Payment?

No, I do not accept health insurance. I believe this approach benefits both you and me. By not dealing with insurance regulations, I can focus on providing you with attentive care and keeping costs down.

How Does Membership Work with Medicare?

Membership can complement Medicare seamlessly.

What If a Family Member or I Require Specialty Or Significant Medical Care?

These options can be beneficial if you have health insurance, a health-sharing, or a medical cost-sharing plan. I remain your primary care physician and can coordinate the necessary follow-up care. If you don't have health insurance, I can still assist you! Often, I can save you thousands of dollars compared to paying for insurance! Consider a medical cost-sharing plan or health-sharing ministry if you're interested in this option but desire peace of mind for catastrophic events.

Will I Still Benefit Even If I Don't See the Doctor Often?

Yes. With no co-pays or office visit charges, it makes sense to consult me for anything, even basic health questions.

In addition, in the event of an urgent injury, one trip to the emergency room could cover up to five years of membership fees. Moreover, having a physician available has been shown to improve health outcomes. With my membership, you have immediate access to address minor issues you might have previously ignored due to financial, time, or energy constraints. Accessing your membership is just a phone call away!

When Can I Sign Up for Membership?

You can sign up anytime. New patients are welcome to register throughout the year. I recommend registering soon, as membership is limited per provider. Get in touch to register.

What Are the Membership Contract Requirements?

I ask for a 6-month commitment at the start of your membership, payable in 6 monthly installments. After this initial period, your membership is month-to-month.

Are There Medications That You Don't Prescribe?

I do not prescribe narcotics for chronic pain, long-term benzodiazepines for anxiety, long-term hypnotics for insomnia, or stimulants for adult ADHD. I will work with you to provide an appropriate solution.

Can I Really Call, Text, or Email My Doctor At All Hours?

I want to be available for you in your time of need. That’s one of the benefits of Direct Primary Care! Not all problems have to be addressed immediately, however, and I ask for mutual respect in the use of your time and your provider’s time.