DirectClinic offers primary care services directly to the public, employers/employees (to include the employee member’s family) and Unions as an integrated solutions, along with an appropriate traditional or self-funded insurance plan. Employers may offer this exclusive benefit as part of employees’ benefits outside traditional insurance. Our routine primary care model reduces the number of paid claims made to insurances, hence, making healthcare less expensive. The DirectClinic model proves that it can reduce costs while enhancing patient care. DirectClinic charges a simple, flat monthly or annual fee outside traditional insurance for primary care services. Reserve traditional health insurance for undesirable, costly catastrophic events. Health insurance is supposed to protect against risk, in the same manner as car insurance. So why use health insurance to cover primary care services when we don’t use car insurance for tire and oil changes?