Question 1

Is Direct Primary Care legal in Arizona?

Accepted Answer

Yes. Arizona has recognized DPC since 2014 and gave the law a major update in 2019. The original 2014 law got a comprehensive rewrite via HB 2113 and SB 1105, signed April 17, 2019. It's codified at Ariz. Rev. Stat. §§ 44-1799.91 through 44-1799.96. Read the statute.

Question 2

How much does Direct Primary Care cost in Arizona?

Accepted Answer

Adult DPC memberships in Arizona typically run $55–$139 a month. Family plans generally cost less per person, and kids' memberships run cheaper than adult ones. Actual pricing depends on the practice, so browse Arizona practices to compare real rates.

Question 3

Is a DPC agreement considered insurance under Arizona law?

Accepted Answer

No. Arizona law excludes DPC agreements from the insurance code and the definition of insurance itself. No. Section 44-1799.96 says a direct primary care agreement doesn't count as transacting insurance business or operating as a health care services organization, and it's not subject to Title 20, the state insurance code. Section 20-103 goes further and explicitly lists DPC agreements as an exception to the definition of insurance.

Question 4

Can an Arizona DPC doctor also bill my insurance for the same covered services?

Accepted Answer

No. Arizona law requires the agreement to prohibit billing your insurer for services already covered by your membership. No. Under § 44-1799.94, the agreement has to prohibit the practice from billing your health insurer for primary care services already covered by your DPC membership. That said, a third party (your insurer or employer, for instance) is allowed to pay your membership fee on your behalf.

Question 5

Can an Arizona DPC practice refuse me based on my health status?

Accepted Answer

No. Arizona law bars DPC practices from refusing or dropping patients based on health status or charging them differently for it. No. Section 44-1799.93 bars a DPC provider from turning away a new patient or dropping an existing one just because of their health status, and from charging different fees based on health status or gender. That's a stronger patient protection than a lot of other states' DPC laws have.

Question 6

What must an Arizona DPC agreement include?

Accepted Answer

It must be a written, signed agreement, cancelable with 30 days' notice, with clear fees and a not-insurance disclaimer. Per § 44-1799.92, it has to be written, signed by both parties, cancelable by either side with 30 days' written notice, clear about what primary care services are covered, upfront about the periodic fee and any add-ons, and carry a prominent disclaimer that it isn't health insurance. Prepayment can't exceed 12 months.

Question 7

Do I still need health insurance if I join an Arizona DPC practice?

Accepted Answer

Yes. DPC covers day-to-day primary care, not hospital stays, ER visits, or specialists. Yes. DPC handles day-to-day primary care, not hospital stays, ER visits, specialists, or surgery. Most members pair a DPC membership with a high-deductible health plan for that. Worth noting: Arizona's required disclosure points out that if you already have ACA-compliant insurance, some preventive services in your DPC agreement might already be free through your insurer. Learn how DPC fits into your coverage.

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Arizona DPC laws & FAQ

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Arizona DPC laws & FAQ

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Doctors in Arizona