Better Care: We want our visits to be longer, readily available, and focus only on you. Insurance-based primary care practices require their physicians to see 20-40 patients a day and to spend valuable time worrying about things unrelated to your health (like tracking and paying the bills).

Reduced Cost: Insurance-based practices need more staff to handle the complications of managing an insurance-based system. We have simplified our systems so that documenting, communicating, and billing exist solely to serve you, our patient. We do not waste time and resources serving the insurance administration or middle-man, dealing with insurance regulations, or processing insurance claims. This allows us to make our monthly fee about the price of a cup of coffee a day.

Improved Access: Many people are still uninsured, or worse, they have insurance but avoid seeing a doctor because the deductible is too high. Our office visits are always available without co-pays or 'administrative fees'. You can also keep your doctor regardless of what employment or insurance changes may happen.

Although we do not bill or use insurance, we do pair well with people who have insurance, especially high deductible plans and health share plans. We recommend everyone have insurance or a health share plan for catastrophic events such as traumas or severe illness requiring hospitalization (heart attack), extensive treatments (like cancer), or complex speciality procedures and care. Insurance works really well for the rare, expensive event, but creates unnecessary complexity and cost for primary care services. After all, you don’t use your car insurance for oil changes or to fill up your gas. Why use health insurance on primary care?

We recommend that you have "wrap around coverage" like health insurance or medical cost sharing, which would cover you in the case of a heart attack, emergency, or cancer care. We see everyone regardless of insurance status.

For those with regular health insurance: Insurance can still be used for labs, imaging, medications, and specialists. With our competitive member prices, many patients end up spending less on labs, imaging, and medication without using their insurance. Insurance works best for big, catastrophic events like hospitalizations. Our Premium Membership pairs well with a high deductible plan.

For those with a health share: Both of our memberships pair well with all the existing health share plans, and you can choose a membership coverage with us depending on what you have covered. Some health shares have broader reimbursement coverage or offer discounts for members with a direct primary care practice. Other health shares only reimburse larger illnesses and incidents and do not cover preventative care or counseling. Check with your health share plan to see what is offered and what you need. Your patient portal allows you to easily view and print bills for services, so that you can submit for reimbursements.

Uninsured: We strongly recommend everyone have some sort of insurance or health share. However, if you are unable to do so, we will still see you and provide high level primary care.

Medicare: See FAQ: Do you take Medicare?

No, we do not bill or take any insurance, including Medicare.

Patients who have regular Medicare may find that having a membership with us fills a gap in their healthcare needs that is well worth the additional expense*. So, while Dr. Fredette is "opted out" of her ability to bill Medicare, she can be an Ordering/Referring Provider, which still allows you to use your regular Medicare benefit for outside services (consultations, imaging, etc) ordered by our office.

Medicare does not cover membership costs or charges from our office and will not offer reimbursement for those charges. Medicare rules require beneficiaries who sign up for Renova Health to formally agree that they will not submit the invoices to Medicare. Medicare beneficiaries will be asked to sign a Medicare Beneficiary Notice of Non-Covered Services agreement form upon registration.

*MedAdvantage programs and other types of Medicare plans can automatically disqualify you from being able to see Dr. Fredette as your PCP. You may benefit from speaking to an advisor to help you understand what combination of plans is best for you.

NOTE: If you are 65+, please email or call us to start the conversation about membership, since there are certain restrictions around Medicare that may apply.

Absolutely. We want to keep you healthy; that's the goal! The current healthcare system has trained us to only access our doctor when we are really sick. We want to offer you a relationship with a provider that you trust, to ensure that your core needs are being taken care and help you live beyond the urgent needs of your health.

There are minor issues and important health questions that you are welcome to address anytime and with this kind of membership, that is easy to do. In the rare case that you do get sick, we can help take care of you!

We have same day or next business day appointments to cover your more urgent needs or injuries. There are procedures or labs or imaging that we can provide you at lower cost. Having a team that knows how to advocate for your health needs and expedite your care, or even save you one unnecessary trip to the emergency room, would be worth more than a year of membership cost.

Knowing that you have excellent personalized care will help you think of your healthcare as a tool to thrive, not just survive.

Yes. We do not activate/charge memberships until a Member Coordinator has had a chance to talk with you, answer any questions you might have, and confirm your membership choice. After you sign-up (before you are charged), you will be directed to an online calendar to set up this “Discovery Call” at your convenience, which can be audio only or include video (your preference).

Yes! We love families and want to help support yours! Adding family members automatically gives you a discount on each of the memberships, including your own. Children up to age 21 automatically qualify at the child rate. Some discounts are applied after you sign up during the discovery call. For example, we can apply additional discounts if you are a single parent, have a household of more than 3 kids, or have a dependent adult child with disabilities living with you.

You are also eligible for a discount on your monthly membership rate when you opt to pay in advance for a 6 or 12-month period, rather than month-to-month.

Be sure to ask us during your membership discovery call about additional discounted rates that we can apply. We want to help support you in the hard work you are doing to care for yourself and your family.

All memberships include free sports physicals and well child checks for our members. We believe in preventative care and good screening before school sports.

We also want to provide a service to the kids in our community who need to get scheduled for sports physicals in a timely way, so we hope to soon provide non-members a cash pay option for sports physicals.

We believe in building a long term relationship with you, and so request a 6 month initial commitment, to be paid monthly*. Our Patient Agreement states that we need written notice 30 days ahead of cancellation. If you paid quarterly or annually, you will be refunded the remaining difference.

Re-activating cancelled memberships: A registration fee to cover administrative costs is applied for returning and new members.

Upgrading from a Health Essentials membership to Premium is not considered a cancellation, there are no fees to do that, and can be done at any time.

Downgrading from a Premium membership to Health Essentials requires written notice at least 14 days in advance of your next charge date.

*Ask about discounts on the monthly membership rate when you opt to pay in advance for a 6 or 12-month period, rather than month-to-month.

Charges for your membership start at the beginning of the next billing cycle we agree upon: either the 1st or the 15th of the month. This is also the effective date that your membership benefits activate.

HSA and FSA funds can be used to pay for DPC membership and services.

Laws passed in 2026 have allowed for expanded use of HSA funds to include DPC charges, with some restrictions on how much can be spent. Please see this IRS press release and more details here: https://www.irs.gov/pub/irs-drop/n-26-05.pdf. 

For FSA funds, consult with your HR or Benefits department for clarification on qualifying expenses.

Membership pricing is set for 12 months at a time. We are committed to keeping this kind of care affordable for our patients, but we do also recognzie that inflation and the cost of practicing medicine and supplies are not under our control and will likely require us to raise the prices at least some each year. Signing up now does lock in your current membership rate for a whole year. We hope to provide additional discounts on special services and seasonal coupons, as time goes on.

Yes. All costs are transparent and discussed up front, with your agreement, before you are charged.