Insurance & Billing Information
Transparent pricing, flexible payment options, and guidance on using your health benefits with GWC Medical.
How GWC Medical Billing Works
1. Pay Membership
Simple monthly or annual membership fee covers all primary care services
2. Unlimited Access
No copays, no surprise bills—just unlimited visits and 24/7 care
3. Keep Insurance
Maintain insurance for specialists, hospitals, and emergencies
Transparent Membership Pricing
Individual
- Unlimited office visits
- Same-day appointments
- 24/7 physician access
- Annual wellness exam
Couple
- Everything in Individual
- Coverage for 2 adults
- Save $19/month
- Coordinated care
Family
- Everything in Couple
- Up to 4 family members
- Pediatric care included
- Best value per person
Understanding Insurance & Membership
Do I Still Need Health Insurance?
Yes, we strongly recommend maintaining health insurance. GWC Medical membership covers your primary care needs, but health insurance protects you from catastrophic costs for:
- Hospital admissions and surgeries
- Emergency room visits
- Specialist consultations
- Advanced imaging (MRI, CT scans)
- Prescription medications (outside our scope)
Perfect Pairing: Membership + High-Deductible Plan
Many members pair GWC Medical with a high-deductible health plan (HDHP) to save money. Since your primary care is covered by membership, you rarely hit your deductible. This strategy can save families $3,000-$6,000 annually while maintaining comprehensive coverage.
Insurance Reimbursement
While we don't bill insurance directly, we provide detailed visit summaries and documentation that you can submit to your insurance company for potential reimbursement. Some plans offer out-of-network benefits that may cover a portion of membership fees. Check with your insurance provider.
Labs, Imaging & Specialists
When we order lab work, imaging, or specialist referrals, those services are billed separately by the provider (Quest, LabCorp, imaging centers, specialists) and are typically covered by your health insurance. We help coordinate all outside services and ensure proper billing.
Flexible Payment Options
Credit & Debit Cards
We accept all major credit and debit cards. Membership fees are automatically charged monthly or annually.
HSA & FSA
Membership fees qualify as medical expenses. Use pre-tax dollars from your Health Savings Account or Flexible Spending Account.
Monthly or Annual
Choose monthly billing for flexibility or pay annually and save 10% on your membership.
No Contracts
Cancel anytime with 30 days notice. No long-term commitments or cancellation fees.
Questions About Billing or Insurance?
Our team is happy to help you understand how GWC Medical works with your insurance and budget.