If you’ve found yourself wondering, “Can I use my insurance with JustDirect?” you’re not alone. It’s a common question, and the answer reveals a powerful shift in how healthcare can be delivered. JustDirect isn’t just another primary care provider; it’s built on a direct primary care model that deliberately cuts out the middleman insurance to give you more affordable, transparent, and personalized care.
In this post, we’ll break down exactly how JustDirect works, why insurance isn’t used, and how that benefits you as a patient in Miami, whether you’re in Miami Lakes, Hialeah, North Miami Beach, Kendall, or Westchester.
The Short Answer: No, You Don’t Use Insurance with JustDirect
JustDirect does not bill insurance for any services. That’s not a limitation it’s a feature. The whole point of the direct primary care model is to simplify healthcare by removing third-party billing, pre-authorizations, copays, and surprise charges. Instead, patients pay a low, flat monthly membership fee for unlimited access to primary care services.
Why Not Using Insurance Is a Good Thing
Here’s why the no-insurance model actually puts you in control:
✅ Transparent Pricing
With JustDirect, what you see is what you pay. Your membership covers a wide range of services including office visits, annual physicals, chronic care, diagnostic testing, and even many medications. There are no hidden fees, and any service not covered (like hospitalizations or brand-name meds) is clearly explained up front.
✅ Unlimited Access to Care
Your monthly membership either $75 for Essential or $125 for Premium gives you unlimited visits, including same-day appointments, telehealth, and walk-ins at any of our six Miami Dade locations.
✅ No Insurance Delays
Since we don’t need insurance approvals, your care is immediate and streamlined. No long waits or complicated paperwork. Just direct care from your primary care doctor in Miami.
What’s Included in Your Membership?
You’re covered for a comprehensive list of services, many of which typically involve steep out-of-pocket costs—even with insurance. With JustDirect, it’s all bundled into your monthly plan:
🌿 Preventive Care
- Annual physicals
- Women’s wellness (Pap smears, breast exams)
- Immunizations and vaccines
- Routine health screenings (blood pressure, cholesterol, diabetes)
- Lifestyle counseling: nutrition, exercise, and smoking cessation
🚑 Acute Care
- Cold and flu treatment
- Minor injuries: sprains, burns, and cuts
- Urgent care services
- On-site medication administration
💊 Chronic Condition Management
- Diabetes, hypertension, asthma, high cholesterol
- Medication management
- Regular follow-ups
- Coordination with specialists for advanced needs
🔬 Diagnostics and Labs
- Blood tests, urinalysis
- Imaging: X-rays, EKGs, ultrasounds, and CT scans (Premium only)
- On-site physical therapy (Premium only)
💉 On-Site Medication Dispensary
- Generic prescriptions ready after your visit
- Tiered medications and therapeutic injections (Premium only)
- Medication counseling for proper use
These services would typically cost hundreds or even thousands each year through a traditional insurance plan. But with JustDirect, they’re included in your affordable low monthly fee health care plan.
So…What Happens If You Have Insurance?
You can still keep your insurance JustDirect simply doesn’t bill it.
In fact, we recommend that members carry a high-deductible health insurance plan or catastrophic insurance for hospitalizations, surgeries, and emergency care services that are not covered by JustDirect. Think of your JustDirect membership as your go-to for all your day-to-day, essential, and routine medical needs, and your insurance as a safety net for rare and unpredictable events.
📌 Important note: JustDirect is not a health insurance plan and does not meet the Affordable Care Act’s minimum essential coverage. It also doesn’t replace worker’s compensation coverage for employers.
Who Should Consider JustDirect?
The direct care model works especially well if you’re:
- Self-employed or gig worker tired of overpriced insurance plans
- Between jobs or in a coverage gap
- Retired early and not yet eligible for Medicare
- On a high-deductible health plan looking to lower out-of-pocket costs
- Someone who simply values personalized, accessible, affordable medical care
Local Convenience, Personalized Attention
With six accessible clinics across Miami Lakes, Hialeah, North Miami Beach, Kendall, Westchester, and Downtown Miami, your care is always close by. Whether you’re looking for primary care access in Hialeah or telehealth in Kendall, JustDirect has a location and care team ready to support you.
Still Want to Use Insurance Elsewhere?
Absolutely. You can still use your health insurance for:
- Hospital stays
- Specialist treatments not covered under your JustDirect membership
- ER visits
- Brand-name medications purchased at retail pharmacies
JustDirect even helps coordinate specialty care referrals to trusted partners in:
- Cardiology
- Gastroenterology
- Neurology
- Psychiatry
- Oncology
…and more.
You’re never left on your own we’ll ensure a smooth handoff to specialists when needed.
How to Get Started
Joining JustDirect is easy:
- Choose your membership: Essential ($75/mo) or Premium ($125/mo)
- Pay a one-time enrollment fee: $75 or $125 depending on plan
- Schedule your first visit either online or at any of our six Miami-area clinics
- Start enjoying same-day care and peace of mind
👉 Enroll Now and take control of your health today.
Final Thoughts: Why Going Insurance-Free Works with JustDirect
At first glance, it may seem unusual to not use your insurance at a doctor’s office. But once you experience the predictable pricing, unlimited access, and personalized care of JustDirect, you’ll realize why so many in the Miami area are switching to this affordable primary care plan.
Say goodbye to hidden fees, long waits, and insurance confusion. Say hello to your new primary care doctor in Miami on your terms.
Explore locations near you:
- Primary care access Miami Lakes
- Telehealth Hialeah
- Internal medicine North Miami Beach
- Family practice Kendall
- Primary care doctor Westchester FL
Want to learn more about how JustDirect can work with your lifestyle and budget? Contact us today or visit one of our local clinics. Your health. Your terms. Your JustDirect.
