Keystone is a membership practice, not an insurance plan. That surprises people at first — so here’s exactly how your care and your costs work, whether you have insurance, a high-deductible plan, a health share, an HSA, Medicare, or no coverage at all.
When a practice bills insurance, the insurer — not your doctor — starts making the decisions. Leaving that system behind is exactly what lets us give you unhurried, root-cause care at a price you can actually see.
Low reimbursement rates push practices to double-book and cap visits at 8–10 minutes. We don’t bill insurance, so we don’t have to. Visits run 30–60 minutes.
Insurers often won’t pay a primary care doctor to treat something like a thyroid issue, forcing a referral. We handle what we can, without sending you elsewhere for everything.
Insurance is known to deny claims until you give up appealing. There’s nothing to deny here — you know what something costs before it happens.
One flat monthly membership for everyday care, plus published cash prices for labs, imaging, and medications. No copays, no EOBs, no guessing.
Insurance doesn't just pay the bills — it decides what care you're allowed to get, how much time your doctor can spend with you, and which treatments count as “approved.” We believe those decisions belong to you and your provider, not to a company that has never met you. That conviction is the reason we left the system behind.
Cash-pay primary care isn’t just for the uninsured — it makes sense alongside almost any kind of coverage. Here’s how Keystone works with yours.
Keep it. We work alongside any plan — we simply don’t bill it. Your membership covers everyday care, and we’ll still route labs, imaging, or referrals through your insurance when that’s the better deal.
The sweet spot. Most members stay under their deductible all year, so they’re paying full price for care anyway. Membership gets you far more access for less, while your plan stays in place for big events.
A natural match. Your share handles large, unexpected costs while Keystone handles the day-to-day — and several shares offer discounts to membership patients. More on our picks below.
Your funds typically cover labs, imaging, prescriptions, and many in-office services at our cash prices. Membership dues themselves usually aren’t HSA-eligible under current IRS rules — we’ll help you make the most of what is.
You’re welcome here. Care is paid through your simple membership rather than billed to Medicare, which still covers hospital care, specialists, and prescriptions outside our office.
You may benefit most of all. Predictable monthly care plus published cash prices means you finally know what healthcare costs — and we’ll point you to affordable options for the unexpected.
Keystone covers everyday care beautifully — but you still want protection for the unexpected: a hospital stay, surgery, cancer, or maternity. Health shares are a popular, lower-cost alternative to traditional insurance for exactly that, and they pair naturally with direct primary care. Two we recommend:
A member-friendly health share built around the direct-care model. Members save an average of roughly 50% versus traditional insurance, and Zion offers a discounted rate to Keystone membership families.
Get the DPC discountAnother strong choice for households who want flexible sharing for major medical events while keeping everyday care simple and direct with us.
Learn moreHealth shares are not insurance. They’re communities of members who agree to share one another’s medical costs, and terms vary by plan — we’re glad to talk through whether one is right for your family.
Anything beyond your membership is billed at simple, published cash rates — often a fraction of insurance pricing. No facility fees, no markups, no surprise bills weeks later.
For everyday care, no. But we recommend keeping some backstop — a high-deductible plan or a health share — for major events like hospitalization, surgery, or cancer. Keystone handles the everyday care you actually use; that backstop handles the rare, expensive things.
Usually yes for labs, imaging, prescriptions, and many in-office services at our cash prices. Membership dues themselves generally aren’t HSA-eligible under current IRS rules. Check with your plan administrator — we’re glad to provide itemized receipts.
No. A health share is a community of members who agree to share one another’s medical costs. It’s typically far less expensive than insurance and pairs well with direct primary care, but it isn’t insurance and terms vary — so read the plan carefully.
We dispense many common medications in-office at near-cost and send the rest to any pharmacy. When you need a specialist, we coordinate the referral and advocate for you — and you can use your insurance or health share for that care.
Go to the ER or call 911. Membership isn’t meant to cover emergencies — that’s exactly what a high-deductible plan or health share is for. Afterward, we help coordinate your follow-up care.
For most people, yes. Between unused deductibles, copays, and inflated in-network prices, a flat membership plus cash-rate labs and imaging often costs less than running everyday care through insurance.
See how simple membership pricing works — or become a Keystone patient today, no matter how you’re covered.
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