Keep insurance for emergencies
Membership covers your primary care. It is not insurance and doesn’t cover hospitals, surgery or specialists — most members pair us with a high-deductible plan.
Kids 0–17
$39/mo
With an enrolled adult
Most common
Adults 18–39
$79/mo
Everything included
Adults 40–64
$109/mo
Everything included
Adults 65+
$129/mo
Medicare private contract
Household cap: $299/moOne-time enrollment: $99/householdEmployers: from $69/employee/mo (5+)No contracts — 30 days’ notice to cancel
Unlimited office & video visits with your own doctor
Same/next-day sick appointments
30–60 minute visits
Direct text & phone line — median reply 9 minutes
Annual physical with labs reviewed in the room
Office procedures: stitches, biopsies, injections, EKG
Chronic condition management with home readings by text
Care coordination: referrals sent, results chased
Labs & medications
Sold at our cost. Prices shown before you say yes.
The “typical retail” column is what the same item commonly costs on a hospital-system or pharmacy bill.
| Blood test | Our price | Typical retail |
|---|---|---|
| Complete blood count (CBC) | $3.55 | $78 |
| Comprehensive metabolic panel (CMP) | $4.10 | $89 |
| Hemoglobin A1c | $4.25 | $84 |
| Lipid panel | $3.90 | $76 |
| TSH (thyroid) | $5.60 | $102 |
| Rapid strep swab | $6.75 | $58 |
| Medication | Our price | Typical retail |
|---|---|---|
| Atorvastatin 20 mg (30 days) | $2.40 | $14 |
| Lisinopril 10 mg (30 days) | $1.10 | $11 |
| Sertraline 50 mg (30 days) | $1.85 | $13 |
| Albuterol HFA inhaler | $18.20 | $49 |
The fine print
Three things to know before you join
On Medicare? You can join
Our doctors have opted out of Medicare, so members 65+ sign a simple private contract for care here. Medicare still covers your outside labs, specialists and hospital care as normal.
HSA payments are complicated
Under current IRS rules, membership fees are generally not an HSA-qualified expense. Most members pay by card and keep the HSA for everything else. Ask a tax professional.
Questions
Pricing questions, answered
Is Fernwell insurance?
No. Fernwell is a retainer medical practice (the Oregon term for direct primary care) — a flat monthly membership that covers your primary care directly, with no copays and no claims. It is not insurance and not a health plan. We recommend pairing membership with at least a high-deductible or catastrophic plan to cover emergencies, hospitalization and specialty care.
Can you bill my insurance for visits?
No. We do not bill insurance at all — that is what keeps our overhead (and your monthly price) low and your visits long. Your insurance still works normally everywhere else: pharmacies, imaging centers, specialists, hospitals.
I’m on Medicare. Can I join?
Yes. Our physicians have opted out of Medicare, so members 65+ sign a simple private contract for primary care (required by federal law, 42 U.S.C. §1395a(b)). Medicare is never billed for our care — but it continues to cover your outside labs, imaging, specialists and hospital care exactly as before.
Can I pay with my HSA?
Under current IRS guidance, direct primary care fees are generally not a qualified HSA expense, and paying with HSA funds may affect HSA eligibility if you have an HDHP. Many members simply pay by card and use the HSA for everything else. Please talk to a tax professional — we are doctors, not accountants.
What is the cancellation policy?
No contracts. Cancel with 30 days’ written notice, any time, no fee. If you rejoin later, the $99 enrollment fee applies again and you may join a waitlist — our panels are capped, and departing members’ spots are usually filled quickly.
Become a member in about 10 minutes
Start with a free 15-minute intro call with the doctor of your choice. No card needed. No contracts — cancel any time with 30 days’ notice.
Memberships from $39/month · Household cap $299/month · 4.9★ on Google