Frequently asked questions
for U Care MD

I coordinate referrals. If you are insured, you can use your insurance exactly as it is — playing their rules of network restrictions, copays, deductible, coinsurance, prior authorizations... plus or minus a surprise bill months later.If you are uninsured, I can often find affordable self-pay options for specialists/medications/labs/imaging so you're never left without a path forward. See reference tables below.Disclaimer: All prices listed above are estimates intended to give a general sense of how much it will cost if you are a member — not exact quotes. Actual pricing varies by pharmacy or imaging/lab facility, changes over time, and depends on your specific dosage, location, and provider.

No — I don't take money from insurance companies. Instead, you pay me directly one flat monthly membership that covers unlimited direct access to primary care. Many of my patients keep a high-deductible or catastrophic insurance or cost sharing plan on the side for hospitalizations, specialists, and labs/imaging, which membership works alongside.

Yes!Do you have your doctor’s direct number?Can you get an appointment when you need one?Do they see you on time and spend more than 15 minutes with you?Can you text them for a quick follow-up question?Does their office return your calls quickly?Do you have to repeat your story often times?Have you ever been surprised by a bill for something you thought was covered?You get the idea. At U Care MD, we offer quality, access, convenience, and transparency—things that insurance-based primary care simply can’t provide.

You might think membership isn't necessary, especially if you're healthy and only see your doctor once a year. However, meaningful improvements in health don’t happen through a quick, routine physical. True health requires ongoing support, consistency, and accountability—and that's exactly what membership offers. Think of it like a gym membership: an investment in your long-term wellness, with the freedom to use it as often or as little as you'd like.Membership provides a premium primary care experience, giving you direct access to a doctor who knows you—not a nurse line or a faceless telehealth provider, whether through a call, text, or email.With our membership model, your doctor has more time to focus on you. Expect longer appointments, minimal wait times, better coordination with specialists, and same or next-day visits—all things traditional practices often can’t provide.Direct Primary Care is perfect for anyone seeking more personalized, accessible care—especially if you have a high-deductible plan, are uninsured, or simply want a doctor who really knows you. It’s especially beneficial for those with chronic conditions, busy lives, or anyone looking to save on long-term healthcare cost without the hassle of insurance.You can read more about our membership here.

Yes — DPC is actually built for exactly this. Since you have direct access to me (not a rotating cast of providers), you're not stuck trying to catch "your" doctor at a random open slot — you can text, call, or schedule a virtual visit from wherever you are, whether that's a hotel in another city or your desk during a layover.Same/next-day appointments mean you're not left waiting weeks for something that comes up mid-trip, and virtual visits cover a lot of ground — medication refills, follow-ups, minor illness, results discussions — without needing to be in New York City. And because I already know your history, you're not re-explaining your whole medical background to an urgent care doctor every time something comes up on the road.If you do need an in-person visit, the flexibility works both ways — appointments fit around your schedule without the waiting room.

No long-term contract — membership is month-to-month. You can cancel at any time with 30 days notice (to ensure a safe transfer of care).