🌿 Essential Care

Essential Care is designed around in-office visits during normal clinic hours.

If care is needed outside of those hours or you're unable to visit the clinic, members may choose to add our Urgent & Emergency Coverage Add-On, which functions similarly to traditional coverage for urgent or emergency situations and includes standard deductibles, co-insurance, and related terms.

This add-on ensures you're protected when care is needed beyond the clinic.

No. Essential Care is a medical membership that provides access to primary care services at our clinic.

For urgent or emergency care outside the clinic, members can choose to add Urgent & Emergency Coverage for broader protection.

Essential Care includes access to the following services when medically appropriate and provided at the clinic:

• Unlimited in-office primary care visits
• Same-day or next-day appointment availability, subject to clinic capacity
• Annual wellness examination
• On-site diagnostic imaging, including X-Rays and MRIs
• No deductibles, co-pays, or co-insurance for services included with membership
• Pharmacy Access – Basic (upgrades available)

Essential Care does not include emergency services, hospital-based care, surgical procedures, or specialty services unless expressly stated.

No. Essential Care has:

• No deductibles
• No co-pays
• No co-insurance

If you add Urgent & Emergency Coverage, that coverage follows standard deductible and co-insurance rules.

Essential Care is not designed for emergencies.

Members may add Urgent & Emergency Coverage, which provides access to care outside the clinic in urgent or emergency situations, similar to traditional insurance coverage.

If you are experiencing a medical emergency, always call 911 or go to the nearest emergency room.

Some members choose to keep insurance or supplemental coverage for emergencies, hospitalizations, or specialty care.

Essential Care works well on its own for routine care and can also complement other coverage.

Yes. On-site diagnostic imaging (X-Rays and MRIs) is included with Essential Care when ordered by a provider and deemed medically appropriate.

Family Access Medical reserves the right to determine medical necessity, limit frequency of imaging, and refer Members externally when appropriate.

Imaging is not provided for elective, non-medical, or screening-only purposes unless expressly stated.

Specialty services (including but not limited to chiropractic care, physical therapy, behavioral health, and similar services) may be offered through optional Care Access Programs.

These services:

• Are not included in Essential Care
• May be delivered by third-party providers
• Are subject to separate pricing and scheduling
• Do not create a provider-patient relationship with Family Access Medical unless expressly stated

Extras must be selected at enrollment or during annual renewal. Extras are locked for the calendar year and cannot be added, removed, paused, or modified during the active calendar year, except through a formal upgrade process.

In limited cases, a Member may request to activate an Extra mid-year. Mid-year activation requires:

• Payment of the remaining annual balance of the Extra
• Retroactive charges for elapsed months
• A 50% fee applied to the elapsed portion of the year
• A one-time administrative fee

All costs and terms must be reviewed and approved before activation. Approval of mid-year upgrades is at the sole discretion of Family Access Medical.

Memberships are issued on a 12-month, calendar-year basis, unless otherwise stated in writing.

• Memberships begin on the Member's start date
• Memberships renew annually
• Changes to coverage types, extras, pricing, or surcharges take effect at renewal unless otherwise specified

Early enrollment does not extend the membership beyond the defined calendar year.

Coverage type must be selected at enrollment and remains in effect for the full membership term.

Individual Coverage:

Covers one adult member.

Couple Coverage:

Available only to legally married spouses. Both individuals must be legally married at enrollment and listed on the same membership account.

Family Coverage:

Includes two adults and eligible dependents. Dependents must be legal dependents, no older than 24 years of age as of the end of the membership term, and meet residency or dependency requirements.

Family Access Medical may verify eligibility at enrollment and renewal and may request documentation to verify marital status or dependent eligibility.

Appointments are subject to clinic hours, provider availability, and operational capacity.

Same-day or next-day appointments are not guaranteed. Extended visits may be limited, and missed or late appointments may result in rescheduling or additional policies.

Family Access Medical reserves the right to manage scheduling to ensure equitable access across the membership base.

Family Access Medical applies a tobacco use surcharge to memberships that include individuals who use tobacco products, including cigarettes, cigars, pipes, chewing tobacco, and nicotine-containing products (including vaping and e-cigarettes).

Tobacco surcharges may be applied per individual, are disclosed at enrollment and renewal, and apply for the full membership term. Members must accurately disclose tobacco use at enrollment and renewal.

Failure to disclose may result in retroactive surcharge application and administrative fees. Tobacco surcharges cannot be removed mid-term.

Essential Care is ideal for:

• Individuals and families who want predictable primary care
• People frustrated with surprise medical bills
• Employers supporting employee health
• Those who want clear pricing and easier access to care

Our team is happy to walk you through how Essential Care works and help you decide if it's the right fit.