FAQs

In Jamestown, Dr. Regan’s practice accepts patients as members no matter what insurance they have or do not have. The monthly membership fee includes any services rendered within the four walls of the office.

Because Dr. Regan does not bill insurance, they consider this practice as “out of network.” Dr. Regan will, however, help you use your insurance plan for any labs not performed in the office, imaging orders such as MRIs, and prior authorizations for medications (dependent on insurance). HMOs will need an “in-network” doctor to process referrals and prior authorizations.

Dr. Regan only accepts patients who commit to a one-year membership. Availability to become a primary care patient depends on space availability. She values relationships and access to your physician when you need her, so Dr. Regan chooses to keep her patient panel small. This allows for same or next-business-day appointments as well as access to email, texting, and her personal cell phone number for emergencies.

As a primary care patient, you’ll also have access to a secure telemedicine platform for your convenience. If you only wish to have aesthetic treatments, you don’t have to have a membership.

Paying for direct primary care in Jamestown, RI is straight forward and hassle-free. Patients typically pay a monthly membership fee, ensuring consistent access to personalized, high-quality care without the complications of traditional insurance billing.

Payment options for direct primary care can include HSA accounts (for specific treatments), cash, check, credit card, or debit card. Our in-house partner, CareCredit, can be used for med spa services.  You can apply online or by phone, pre-qualify with no credit score impact, and use it to get the treatments and services that work for you. You make the choices, and CareCredit makes sure they’re within reach.

Most HMOs require an “in-network physician” to order advanced imaging such as MRIs and CT scans, referrals to specialists such as orthopedics or cardiology and to order certain medications that require a prior authorization. Many DPC members with HMOs will see an “in-network” physician once a year for a physical. Dr. Regan is happy to discuss this with you in more detail.

The use of HSA/FSA funds to pay for the DPC membership is dependent on the HSA/FSA companies’ approval.

Though we don’t accept insurance for payment, insurance can cover other medical necessities. These include:

• Appointments with specialists.
• Emergency room visits.
• Admission to the hospital.
• Surgical procedures.
• Labs performed at an outside lab.
• X-rays, CT scans, MRIs, mammograms, and other imaging
• Prescription medications purchased at a pharmacy.

Use whatever insurance plan you are comfortable with. Many DPC members will switch to a high-deductible plan or PPO which can offset premium fees yet still provide coverage for the unforeseen medical issues that arise. Also, many patients will switch to a non-HMO plan at open enrollment to eliminate the need for an “in-network” physician to help facilitate referrals and prior authorizations for medications and imaging.

Yes, Dr. Regan has contacted Medicare to let them know she will not be billing for services rendered to Medicare patients. This allows Medicare patients to choose her Direct Primary Care practice.

The simplest answer is: that Dr. Regan grew tired of the interference, delay, and “games” that come with insurance companies controlling a patient’s healthcare choices. Her dedication involves a patient’s whole-person care, not a corporation’s profit margin.

As part of going to the direct primary care model at her medical clinic in Jamestown, the direct doctor-patient relationship allows patients to truly open up not just about their current concerns, but where they want to be in the coming years.

This whole-person focus allows wellbeing treatments to become part of how a person invests in their self-care. Now Dr. Regan and her team can deliver care that goes beyond treating symptoms of sickness and instead helps you fully participate in your own life with better health, more confidence, and improved vitality.

An affordable monthly membership fee paid directly to Dr. Regan covers all primary care services in her office. This transparency of fees eliminates copays, deductibles, and surprise bills for services not covered by insurance.

Your membership fee* can cover many services for primary care, including:

• Well Child care to include immunizations
• Camp/School/Pre-Op Evaluations
• Annual medical wellness visits
• Well-woman care (pap smear not included)
• Family planning
• Breast-feeding support
• EKG
• Acute care
• Ingrown toenail removal
• And much, much more!

*Because Dr. Regan’s primary care patient base is frequently at capacity, be sure to ask about openings.

Membership also provides special discounts on many of our most popular aesthetic treatments! Ask about a no-cost initial consultation, and let’s help you come home to better health, at Harbour Direct Primary Care.

We keep a smaller client base so that we can spend more time and better time with every patient we have. The heavy loads that non-direct primary care clinics carry mean patients usually have little—and sometimes no—time with their actual doctor.

Dr. Regan saw how that worked, and refused to continue it. Instead, by opening her direct primary care medical clinic in Jamestown, RI, her team now gives you the time you need and deserve. You won’t feel rushed, you’ll always talk to your actual doctor, and you won’t have to worry about insurance issues.

Sometimes the best of the best comes in smaller packages. Let us show you a different way to receive the care you need.