Healthcare That Works Smarter:
Highlands DPC + Atlas Direct Insurance
Comprehensive everyday care from your Highlands DPC physicians,
combined with financial protection for life’s “what ifs.”
We’ve all faced the headaches of standard insurance — high premiums, confusing coverage, and denied claims. Atlas Direct works differently: straightforward, predictable benefits that put cash directly in your hands when you need it.
Why DPC + Direct Insurance?
A better way to stay healthy and save money
Highlands DPC gives you unlimited access to your doctor, wholesale medications, and low-cost labs. But what about unexpected hospital stays, ER visits, or surgery?
That’s where Atlas Direct Insurance, designed specifically for Direct Primary Care (DPC) patients by DPC physicians, comes in. Together, they reduce healthcare expenses and promote long-term health and financial well-being.
How Atlas Direct Insurance Works
Fixed Indemnity Coverage, Designed for DPC Patients
Atlas Direct is a fixed-indemnity insurance plan. It’s a smart, affordable insurance plan that pays cash benefits directly to you.
Coverage for Big Events – Hospital admissions, ER visits, surgeries, childbirth, skilled nursing, hospice, and more.
No Deductibles or Copays – Payments are pre-set and straightforward.
No Networks – Same coverage anywhere you go.
Cash in Your Pocket – Benefits are sent to you, not the hospital.
Why Patients Love It
Turning Medical Expenses Into Savings
Because the benefit goes to you, you qualify for self-pay discounts (up to 90% at some hospitals). And since Atlas Direct pays fixed amounts, you keep the difference if the procedure costs less.
Examples of How You Can Save:
Colonoscopy – Atlas pays $1,500. Typical cash price $1,200.
You could pocket up to $300.
Vaginal Delivery – Atlas pays $5,000. Some hospitals’ cash price ~$3,000–$4,000.
Families keep the difference.
Appendectomy (surgery + 2-night stay) – $1,500 (hospital admission) + $3,700/day (x2) + $4,500 (appendectomy procedure) = $13,400 paid to the patient.
Actual self-pay bills often $7,000–$10,000 → savings + financial cushion.
What could you or your family do with thousands of dollars saved per year?
Highlands DPC + Atlas Direct = Complete Care
Highlands DPC Membership Covers:
Unlimited doctor visits with no co-pays
Transparent wholesale pricing on labs and imaging
1,000+ free generic medications
Direct communication with your doctor
Coordination with specialists
Preventive, relationship-based care
and much more!
Atlas Direct Insurance Covers:
Hospital admissions & stays
ER visits & ambulance transport
400+ surgical & diagnostic procedures
Childbirth (vaginal & C-section)
Skilled nursing & hospice care
and much more!
Together: Affordable, everyday healthcare and financial protection from life’s biggest medical costs.
Important Notes:
Atlas Direct is far less expensive than major medical plans because it excludes many services—such as infertility and cosmetic treatments, substance abuse care, prescription drugs, basic imaging, and lab work. Most DPC patients already access these at affordable wholesale prices through their DPC physician.
Only available to individuals under 65.
Certain exclusions apply (e.g., prescriptions, infertility, cosmetic procedures).
Highlands Direct Primary Care and our physicians have no financial ties to Atlas Direct Insurance. We simply believe that repeating the same approach and expecting different results is… well, insane. Let’s change the system and fix healthcare!
Ready to take control of your health and your finances?
Other Options to Pair with DPC
Health Sharing Plans
Faith- or community-based sharing groups help members cover large medical costs.
Lower monthly costs than traditional insurance
Compatible with DPC memberships
Not regulated insurance — benefits depend on community rules
High-Deductible Insurance + HSA
Pairing a high-deductible health plan (HDHP) with a Health Savings Account (HSA) gives you:
Lower monthly premiums
Pre-tax dollars to cover DPC membership and medical bills
The safety net of traditional insurance for catastrophic expenses
Have Questions?
Let’s make healthcare work for you!
Dr. Morrissey and Dr. Gerace, Owners and Founders of Highlands DPC