Direct Primary Care (DPC) is actually a very simple model. We provide primary care services (like your physical, medication refills, sick visits and more) in exchange for a low and predictable monthly membership fee and without billing insurance. ​

Because we are not bound to insurance based rules, we are able to:

• Offer longer appointments, 30 to 60 minutes with your provider!

• Provide modern care options, text messaging and virtual care

• Have same and next day appointment availability

• Get you answers faster with direct communication to your provider

• Eliminate copays

• Discuss the cost of tests/imaging before they happen

• Provide the lowest price for membership packed with the most value

The ultimate win-win for Small Business owners. Retain your top talent and get employees back to work faster with this affordable fixed-cost health benefit for employees starting at $89/month per team member.

We offer health care services (not insurance, the actual health care) to your team who opt-in for care. Get started with only 2 employees! Check out our Grove Plan Here. Discounts offered for groups of 5 or more.

Direct Primary Care is ideal for people who want more control over their health. Whether you’re generally healthy and want easy access to care when you need it, or you’re managing a chronic condition like diabetes, high blood pressure, or thyroid issues—our care model gives you the flexibility, support, and access that truly makes a difference.

A lot! Membership includes at no extra cost

• Appointments (includes in person, virtual)

• Text messaging direct with your provider

• Annual preventative physical exam with urinalysis in office

• Set of blood tests (A1C, CBC, CMP, cholesterol) every year at Labcorp

• Electrocardiogram (EKG) once every year

• Medication program enrollment (free mail order generic prescriptions)

• Lifestyle coaching / Diabetes education

• Care coordination with other clinics/facilities

• Placing orders and referrals to other providers or facilities

• Removal of excess ear wax

• Review & interpretation of continuous glucose monitoring (CGM) data

Offered at discounted rates

• Deeply discounted lab testing with Labcorp (as low as $7)

• Imaging (done elsewhere) we find you cash pricing or can use insurance

• Strep, Covid, and Flu testing in office ($5 to $20)

Our Roots Plan (base membership) is only $89 per month for one person, or $170 per month for two people. There is a one time non-refundable registration fee of $99 for each new member paid at the time of application in addition to membership.

There are 2 membership payment options:

MONTHLY

Individual (single person) membership is $89 per month

Couples (two people) membership is $170 per month

YEARLY (10% off discount, the first 3 months are non-refundable)

Individual (single person) membership $962 per year

Couples (two people) membership $1,836 per year

30 days notice to cancel:

Need to cancel your membership? No problem, and it's easy. We require 30 days written notice using our 1 page termination form. The final payment for your last 30 days of care is billed when we get your written notice (the final fee is prorated if applicable).

Need to cancel your membership? No problem, and it's easy. We require 30 days written notice using our 1 page termination form. The final payment for your last 30 days of care is billed when we get your written notice (the final fee is prorated if applicable).

No. Papaya Primary Care is not health insurance. We offer Direct Primary Care membership, meaning we contract directly with you to provide primary care services for a low monthly fee, much like a gym membership (but one you'll actually use!).

Since urgent care, emergent care, and specialty services are often unpredictable, we encourage members to carry some form of health insurance to help pay for unplanned and catastrophic expenses.

Yes! Your health insurance can still be used at the pharmacy, for lab testing, at imaging centers, other health clinics, urgent care or the emergency room.

You won't use your insurance at Papaya Primary Care - we don't bill any insurance plans. Our services are paid for by a low and predictable monthly membership. We have lots of members with insurance who choose membership because it saves them money.

Consider the cost of your premium, copay for appointments, the fee you get later after your visit, the cost for medications at the pharmacy, how much you are paying for blood work and imaging ... Papaya Primary Care may be a cheaper alternative because roughly 80% of health care needs can be managed in primary care.

We provide primary care services to our members, and are not insurance. Since urgent care, emergent care, and specialty services are often unpredictable, we encourage members to carry some form of health insurance to help pay for unplanned and catastrophic expenses.

Medicare & Medicaid

Unfortunately, you are NOT ELIGIBLE for membership if you are eligible for or currently enrolled in Medicare or Medicaid or are receiving services through the Hillsborough County Health Care Plan (HCHCP) comprehensive managed care program.

Technically no, but it feels that way!

Papaya Primary Care is much more affordable.

Often Concierge providers charge an expensive yearly retainer (typically $2000 - $5000) and still bill your insurance. Both Concierge care and Direct Primary Care styles offer personalized care with improved access and direct communication between patient and provider. Here are the other ways we differ:

• We are not available 24/7

• We don't offer home visits but we can see you virtually

• We can't see you in the hospital, we don't have privileges there

Appointments must be scheduled (walk-ins are NOT permitted).

We are open:

• Monday through Friday 8:00am to 4:30pm

• Closed Saturdays, Sundays, and Federal Holidays