Everyday care, with a plan for bigger medical needs.
Our premium option combines physician-led direct primary care with a separate Phoenix HealthShare membership for eligible major medical expenses, additional preventive and Rx sharing, and dedicated care coordination.
Your trusted physician, plus a whole lot more.
Everything included with Highlands Direct Primary Care, paired with Phoenix HealthShare for a more comprehensive, affordable approach to larger and unexpected medical expenses—hospitalization, surgeries, emergency care, imaging and preventive screenings like mammograms and colonoscopies, without traditional insurance billing hassles.
01 · Your Highlands physician
Office visits, telehealth visits, direct messaging, longer appointments, preventive medicine and low-cost everyday care.
02 · Support for bigger expenses
A Phoenix HealthShare membership helps members manage eligible larger or unexpected healthcare costs, including hospitalizations, surgery and emergency care, under its medical-sharing guidelines.
03 · A dedicated guide
Care coordination helps locate appropriate specialists, imaging and surgical options, compare fair pricing, and guide payments—while potentially reducing your Initial Unshareable Amount (IUA) when coordination requirements are met.
Less guesswork. More help navigating care.
Healthcare gets complicated quickly when you need imaging, a specialist, surgery or hospital care. Your coordination team can help identify fair-price options, arrange applicable payments and guide sharing paperwork.
- Find appropriate providers and facilities
- Compare transparent cash-pay rates
- Coordinate care before non-emergency services
- Help with documentation and payment processes
Emergency care should never be delayed. Seek immediate emergency care first; contact the coordinator when stable.
What is an IUA?
The Initial Unshareable Amount is the portion you are responsible for on an eligible medical need before additional eligible expenses are considered for sharing. Unlike a conventional annual deductible, it is generally assessed per medical need.
How can coordination help?
Contact the Care Coordination team before non-emergency care so they can help navigate options and, when guideline requirements are met, potentially reduce the applicable IUA.
The exact reduction, qualification rules and need definitions must be confirmed against the current core Phoenix Member Guidelines.
How Phoenix coordination worksBroader support across your healthcare journey.
The following expenses may qualify for separate sharing under the selected Phoenix membership and add-ons, subject to guidelines, coordination and eligibility.
Major medical needs
Hospitalizations, emergency expenses, surgeries and related diagnostic care may qualify for sharing under member guidelines.
Preventive screenings
Eligible screening mammograms (age 40+), colorectal screening (age 45+) and routine immunizations; waiting periods and coordination rules apply.
Prescription assistance
A separate Rx Sharing program for eligible brand and generic medications, subject to tiers, member costs and benefit limits.
Maternity needs
Maternity expenses may qualify for sharing when the expected delivery date is at least 12 months after membership begins, subject to Phoenix guidelines and other requirements.
Imaging and specialist-directed care
Care Coordination can help compare imaging facilities and specialty pathways, even where routine specialist office visits are not automatically shareable.
One guided enrollment experience
We help you understand Highlands care and the separate sharing membership before choosing the right fit.
Build your own example.
Explore illustrative pricing by age, household and IUA. Our example includes the standard Rx Sharing and Preventive Sharing add-ons automatically.
Explore your monthly DPC+ cost.
Choose who is enrolling, their ages and your preferred IUA. Every person shown receives an individual Highlands membership; Phoenix prices are based on the oldest enrolled member.
Rx Share and Preventive Share are included automatically in the estimate and shown separately in the breakdown.
Illustrative estimates are not live quotes or guaranteed premiums. Separate program eligibility, enrollment fees, household rating and billing must be confirmed.
What you need to know.
What does “per medical need” mean?
An IUA generally applies to a defined eligible medical need rather than resetting annually like a traditional insurance deductible. Separate medical events can create separate responsibilities; Phoenix guidelines determine how related services are grouped.
What about preventive care?
Our selected Preventive Sharing add-on provides sharing for qualifying screening mammograms, colorectal screening and routine recommended immunizations without applying the IUA. Eligible preventive services may have no additional shared expense when coordinated and priced within the applicable program limits; age requirements, waiting periods and other rules still apply. Review the Preventive Sharing guidelines for details.
What about prescription costs?
Highlands includes more than 1,000 eligible generic medications at $0. Our DPC+ option also includes Phoenix Rx Sharing, a separate cost-sharing program that can assist with eligible generic and brand-name prescriptions through pharmacy pricing, tier-based member costs and defined sharing credits. The amount you pay depends on the medication and program rules. See Rx Sharing details.
Can people with existing conditions join?
Yes, people with pre-existing conditions may apply. Sharing for those medical needs is subject to condition-specific waiting periods and phased limits under the current core Phoenix guidelines. Have our team review your circumstances before enrollment.
Is DPC+ health insurance?
No. DPC+ is a flexible alternative for people who want personalized primary care alongside a medical cost-sharing arrangement for many larger health expenses—without the claims and billing experience commonly associated with traditional insurance. The separate Phoenix HealthShare membership is not insurance; sharing follows published eligibility rules and is not guaranteed. Some people will prefer to keep traditional insurance with Highlands DPC, and our team can help you explore those options.
Preventive Sharing guidelines · Rx Sharing guidelines · How medical sharing works
Want help choosing the right option?
A brief conversation can help you understand your options without guessing at the details.
Prefer traditional insurance? We can help connect you with our partner licensed benefits advisor to explore commercial insurance options alongside a regular Highlands DPC membership.