Why No Insurance?

By skipping the middleman and working directly with you instead of insurance companies, we can:

• Spend more time with each patient, and be available when you need us. Visits aren't rushed.

• Focus on your health - Every medical decision is based on what's best for you, not what an insurance company will approve

• Offer transparent, affordable pricing at a lower cost-You always know exactly what things will cost with us, and you can budget accordingly.

• Avoid the red tape and delays that make healthcare frustrating for everyone

In short, you get better care, faster access, and honest pricing — all for a simple monthly fee. We still recommend that you have insurance if you can to cover things like specialist visits, hospital care, tests, or medications — but your primary care stays direct, simple, and patient-centered.

Isn't it more affordable to use my insurance?

It depends. If you have copayments for office visits and prescriptions or have to meet a deductible before your insurance provides coverage, you may find that direct primary care is less expensive. Also, having health insurance does not mean the same thing as having access to a doctor. Many people with insurance find they have to wait weeks to get in with their doctor. At Open Arms, we can often see you the same day.

If you do not have insurance, a membership with us may cover many of your health care needs for far less than in a traditional clinic. For example, in CA, an urgent care visit will run about $195. Our monthly membership which offers as many visits as you need, is much less than just one urgent care visit.

Frequently Asked Questions

So can I cancel my health insurance?

We recommend having health insurance to pay for ER and hospital visits, specialty care, medications, and tests done outside our facility.

Can I use my HSA or FSA to pay for membership?

You should definitely consult a legal or tax professional for personalized advice, but starting in January 2026, you can use your Health Savings Account or Flexible Spending Account to cover direct primary care membership costs up to $150 a month. Employers may also now cover DPC membership as a work benefit.

What's the deal with the octopus?

Our mascot is Ollie the Octopus. He's a friendly little guy with a lot of arms who symbolizes our welcoming approach and ability to take care of many aspects of your health.

Do you see kids?

At this time we are only able to see patients aged 18 and older.

Care that feels like it should

❤️

Our patients love that they can reach their doctor directly — whether it’s a text about a medication, a quick video visit, or an in-person checkup.
No rushed visits. No “one problem per appointment” rules. Just comprehensive, compassionate care designed around you.

Join Open Arms Primary Care — where healthcare finally feels personal again.
Let’s make your health simple, accessible, and worry-free.