Frequently Asked Questions


Welcome to
CostCare Direct


CostCare Direct is a membership based primary care/urgent care practice, providing high-quality, patient-centered care. We are a group of providers and staff that believe in the patient-doctor relationship. We want to get to know our patients and be a integral part of their journey to good health. We believe this can best be done by having small patient panels so we can spend more time with you.



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What is Direct Primary Care or DPC?

Direct primary care is a membership-based model of primary care. We take the middleman out of healthcare, allowing the patient to become the center of care.

Does CostCare Direct bill insurance for DPC?

We do not bill insurance. The red tape, billing, and administrative burden it takes to deal with third-party payers are some of the reasons healthcare has become so expensive. By not billing insurance, we can keep our overhead down, allowing the savings to be passed on to patients.

If I'm a DPC member, do I still need insurance?

Direct primary care is NOT insurance and, as it stands now, insurance is required by all Americans. We recommend having an insurance plan with the highest deductible you and your family feel comfortable with to provide wrap-around coverage in case of a major medical event.

Does my CostCare Direct membership cover referrals to other providers or specialists?

In the event you need to be referred to a surgeon or specialist, your DPC membership will not cover their services.

Can I see CostCare Direct providers if I have Medicare or Medicaid?

Yes. Medicare patients will need to sign a waiver confirming their understanding that we will not be billing Medicare for any of our services.

Is there a CostCare Direct contract or can I opt out at any time?

There is no formal financial contract. We do review a care agreement so that you understand what is included in the membership. You pay month-to-month. You can opt out anytime and upon doing so your membership will be cancelled. However, keep in mind that our providers will see 600 patients or less. If you cancel and the 600 slots become filled you will not be able to renew your membership until a slot becomes available.

How do I pay for CostCare Direct membership?

Payment can be made monthly or yearly, it’s up to you. We can take payment in the form of automatic monthly withdraws from your checking account or credit card.

Where is CostCare Direct located and what are the clinic hours?

CostCare Direct is located at 2819 Great Northern Loop Ste 100 Missoula, MT, 59808. We are off Mullan Road between Reserve Street and Broadway. Clinic hours are Monday through Friday, 9:00 a.m. to 5:00 p.m.


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