Question 1

Is Direct Primary Care legal in Indiana?

Accepted Answer

Yes. Indiana has had a dedicated DPC law since 2017. SB 303 was enacted on April 21, 2017, making Indiana the 19th state with DPC legislation. It's codified at Ind. Code §§ 25-1-10-1 et seq. in Title 25 (Professions and Occupations), and DPC practices operate actively throughout the state.

Question 2

How much does Direct Primary Care cost in Indiana?

Accepted Answer

Adult DPC memberships in Indiana typically run $55–$139 a month. Family plans usually cost less per person, and kids' memberships come in cheaper than adult ones. Pricing varies by city and practice, so browse Indiana practices to compare real numbers.

Question 3

Is a DPC agreement considered insurance under Indiana law?

Accepted Answer

No. Indiana law explicitly says a DPC agreement is not insurance. Under Ind. Code § 25-1-10-4, a direct primary care agreement is not insurance and isn't subject to Indiana's insurance laws. The statute draws a clear line between DPC agreements and insurance regulation.

Question 4

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

Accepted Answer

No. Indiana law bars a DPC practice from billing your insurer for services already covered by your agreement. No. Indiana law prohibits a DPC practice from billing a health insurer for services already covered under the direct primary care agreement. Your membership fee is the full payment for those covered services.

Question 5

What must an Indiana DPC agreement include?

Accepted Answer

Under § 25-1-10-5, it must be a written, signed agreement covering services, fees, termination rights, a not-insurance disclosure, and a 12-month prepayment cap. Under § 25-1-10-5, the agreement has to be written and signed by both parties, spell out the covered services and the periodic fee, allow either party to terminate, disclose that the agreement isn't insurance, and cap advance payment at no more than 12 months of fees.

Question 6

Can physicians dispense medications at Indiana DPC practices?

Accepted Answer

Yes. Physician dispensing is permitted in Indiana. Yes, physician dispensing is permitted in Indiana. The Medical Licensing Board of Indiana doesn't appear to require a separate formal enrollment process for dispensing physicians, though practices should confirm current requirements with the board before dispensing.

Question 7

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

Accepted Answer

Yes. DPC isn't a replacement for health insurance. It covers most day-to-day primary care but not hospitalizations, ER visits, specialist care, or surgeries. Most Indiana DPC members pair their membership with a high-deductible health plan for that coverage. Learn how DPC fits into your coverage.

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Indiana DPC laws & FAQ

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Indiana DPC laws & FAQ

Direct Primary Care
Doctors in Indiana