Frequently Asked Questions
About Direct Primary Care and Crossroads Family Medicine

A Meet 'n Greet appointment is a short 15 minute, no obligation meeting with Dr. Cadle to ensure that you understand how the practice works. It's a great place to ask any questions you might have. However, no medical advice will be dispensed during this meeting.

We can accept patients with any insurance (except Medicare, currently; for more info, see the FAQ about Medicare). Since we use a membership model, we do not need to bill your insurance for any of our services. If there is a fee for a service that is not covered by the membership, you are free to submit that to your insurance or, in the case of services or testing (labs, imaging, etc.) external to the clinic you may use your insurance at the third party establishment.

We are currently unable to accept Medicare patients but hope to do so in the near future. Medicare regulations prevent us from receiving payment outside of the Medicare insurance system, which means Medicare patients cannot pay Crossroads for services covered by Medicare. To allow direct transactions between Medicare patients and cash-based providers, the provider must officially opt out of Medicare, which restricts re-entry into the Medicare network for two years. This limits employment options as most medical employers require Medicare participation. Until we have enough patients to support the practice, opting out of Medicare is not feasible. However, the more interest we receive from Medicare patients, the sooner Dr. Cadle can opt out and open enrollment to Medicare patients. If interested, please sign up for our Medicare waitlist. We will notify you as we get closer to accepting Medicare patients. The more people on our list, the sooner we can see you!

No, you cannot use insurance to pay the monthly membership fee. The insurance system and the DPC model are set up differently. There is no insurance code to cover a membership fee, and our clinic does not work directly with insurance companies, so we cannot bill for any services. This non-participation with insurance allows us to offer many services for one low membership fee.

Crossroads Family Medicine is not affiliated with any health care network. In the event of a hospitalization, your reports can be obtained and any care after you are discharged can be coordinated, but all care, including tests, would be managed by a hospital physician during your hospitalization. However, we would be able to coordinate care with your specialists at any time, regardless of their affiliation.

We can address a majority of your women's health care. Dr. Cadle is trained in pap smears, birth control management (IUDs, Nexplanon, oral contraceptives, etc.), endometrial biopsies, and basic hormone replacement therapy. For women's health needs beyond these, we may need to refer you to OB/GYN.

While DPC and concierge medicine share similarities in quality of care, such as direct access to your physician, the primary differences are cost and insurance billing. DPC membership is typically much cheaper and does not bill insurance for any services. Concierge practices charge for membership and also bill your insurance. By not accepting insurance, DPC allows us to see patients in any insurance situation, including those without insurance.

While DPC can cover many of your primary care needs, we recommend maintaining catastrophic medical insurance for high-cost situations such as hospitalizations, surgeries, or chronic specialty treatments (e.g., chemotherapy). Many DPC patients pair it with high-deductible insurance for lower premiums or explore cost-sharing plans.

We believe DPC offers significant benefits and value for your healthcare, enabling your doctor to provide exceptional care that isn't feasible in the current insurance-based model. DPC is a different approach to medical care, which can be hard to appreciate if you're used to the insurance model. Here are some considerations based on different demographics: Young Families: With same/next day appointments and direct access to your doctor via phone or text, DPC is ideal for young families needing quick answers or access for acute concerns (kids' cough/cold, bumps/scrapes, etc.), avoiding excess urgent care or ER costs. Services like well-child, sports physicals, and well-woman exams, in addition to annual physical exams, make it a great option for families. Older Adults: As we age, we often prioritize our health more and aim to get ahead of chronic conditions. Longer appointments and more accessible follow-up care via phone, message, or appointment allow us to better monitor your health and potentially identify health issues earlier when they may be easier to treat. Chronic Conditions: For those with chronic ailments, DPC is an affordable way to stay on top of your care. Uninsured: While we recommend having catastrophic coverage at a minimum, we understand that certain situations don't allow this, making DPC a great way to access primary care services if you are without insurance. Young Adults: For healthy young adults, DPC may not be a great fit unless you highly value preventative medicine and are motivated to optimize your health. If these things are not a priority, you may not utilize the services enough to justify the recurring cost.