Question 1

Is Direct Primary Care legal in Louisiana?

Accepted Answer

Yes. Louisiana has had a dedicated DPC law since 2014. Senate Bill 516 was enacted in 2014, making Louisiana the 6th state to pass DPC legislation. It's codified at La. Rev. Stat. §§ 37:1360.81–37:1360.91, and notably passed without any opposition from the state insurance commissioner.

Question 2

How much does Direct Primary Care cost in Louisiana?

Accepted Answer

Adult DPC memberships in Louisiana typically run $65–$149 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 Louisiana practices to compare real numbers.

Question 3

Is a DPC practice considered an insurer under Louisiana law?

Accepted Answer

No. Louisiana law explicitly says a DPC practice is not an insurer. Under § 37:1360.86, a direct primary care practice isn't an insurer and isn't subject to the Louisiana Insurance Code. The law builds a full DPC framework that keeps these agreements separate from insurance regulation.

Question 4

Can a Louisiana DPC doctor also bill my insurance for the same services?

Accepted Answer

No. Under § 37:1360.84, a Louisiana DPC practice can't bill third parties fee-for-service for covered services. No. Under § 37:1360.84, a DPC practice can't bill third parties on a fee-for-service basis for services already covered under the agreement. The periodic membership fee is the full payment for covered services.

Question 5

Can third parties like employers pay DPC membership fees in Louisiana?

Accepted Answer

Yes. Under § 37:1360.85, an employer, family member, or other third party can pay your membership fee. Yes. Under § 37:1360.85, the law explicitly allows third-party payments, so an employer, family member, or other third party can pay the membership fee on a patient's behalf.

Question 6

What must a Louisiana DPC agreement include?

Accepted Answer

Under § 37:1360.89, it must be a written agreement covering services, fees, a not-insurance disclosure, termination rights, and refund terms. Under § 37:1360.89, the agreement has to be written, describe covered services and fees, disclose that it isn't insurance, allow either party to terminate, and specify refund terms for unearned fees.

Question 7

Do I still need health insurance if I join a Louisiana 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 Louisiana 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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Louisiana DPC laws & FAQ

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Doctors in Louisiana