No Surprise Bills. No Copays. No Middlemen.
Membership covers your ongoing primary care. Hospital care, surgery, and most outside testing stay separate. See what’s included—and what advanced testing costs—with no surprises.
Member Tiers and Pricing
Sovereign Individual: $395 monthly or $4,250 annually
Scheduled home visits within the service area, when medically appropriate and clinically feasible
Direct text/phone/video access
Annual physical exam
Foundational laboratory panel - CBC, CMP, fasting lipid panel, dipstick UA, TSH, Free T4, Vitamin D
Included services - EKG, rapid strep, urine pregnancy, ear lavage, skin tag removal
Sovereign Couple: $695 monthly / $7500 annually
Available to two adults residing at the same address who enroll together. Each member receives an individual medical record and individualized care plan.
Longevity Intensive: $595 monthly / $6450 annually
A structured prevention and metabolic-health membership for patients who want a more deliberate, data-informed approach to long-term health.
Includes advanced foundational testing when clinically appropriate, quarterly strategy visits, a written annual prevention roadmap, and priority scheduling for clinically appropriate home visits.
20% discount on Male Vitality Panel or Thyroid and Autoimmune Panel if clinically necessary later
“My wife and I just started with Dr. Christian Smith, and our experience has been fantastic so far. From the beginning, he was incredibly kind and welcoming, setting up our first appointment right away. Nothing felt rushed, and he took the time to address all of our questions and concerns. One of the things we love most is how accessible he is—we have a direct line to call or text him anytime, which gives us real peace of mind. It’s comforting to know we can reach out whenever we need to. We’re really happy with our choice and highly recommend him!” - Testimonial from “E”
Comprehensive Home Evaluation $1,250
A private, thorough in-home Internal Medicine assessment for patients who are not yet members.
For patients who want a comprehensive evaluation before deciding whether ongoing membership is right for them, Dr. Smith offers a scheduled Comprehensive Home Evaluation in the comfort and privacy of your home.
This service is designed for a focused diagnostic and care-planning episode—not an ongoing primary-care relationship.
Your Comprehensive Home Evaluation includes:
Pre-visit review of relevant records provided in advance
A scheduled in-home visit within 20 miles of Mount Airy, Maryland
Extended history, medication review, and comprehensive physical examination
Review of current health concerns, chronic conditions, and health goals
Clinically appropriate point-of-care testing or specimen collection, when available
A personalized assessment and care plan
Review of clinically indicated results
One scheduled follow-up visit within 14–21 days, by phone, video, or home visit as clinically appropriate
Not included:
Outside laboratory fees, imaging, pathology, medications, specialist services, emergency care, hospital care, or procedures performed by outside facilities
Same-day, after-hours, emergency, or out-of-area home visits
Ongoing prescription refills, secure messaging, chronic-care management, care coordination, or additional follow-up visits after the included follow-up visit
Point-of-care testing and specimen collection may be performed when medically appropriate. Additional testing, imaging, or referrals can be arranged at transparent cash-pay rates whenever available.
Membership is designed for patients seeking an ongoing physician relationship
The Comprehensive Home Evaluation is an opportunity to experience the depth, access, and personal attention of Premier Direct Primary Care before establishing an ongoing relationship.
Patients who enroll in a Sovereign Individual Membership within 14 days of their Comprehensive Home Evaluation may apply $1,250 of the evaluation fee toward their first twelve months of membership. The $100 application fee is applied to the cost of the Comprehensive Home Evaluation.
Membership provides ongoing direct physician access, comprehensive primary care, scheduled home visits when medically appropriate and clinically feasible, care coordination, and proactive long-term health planning.
Home visits are scheduled in advance and are not a substitute for emergency care. For urgent or life-threatening symptoms, call 911 or seek emergency-department care.
Unlimited scheduled home visits within the service radius, when medically appropriate and clinically feasible. Same-day, after-hours, emergency, and out-of-radius visits are not guaranteed.
Home visits are available within a 20 mile radius of Mount Airy, Maryland. Travel beyond this area may be available by prior arrangement and may incur an additional travel fee.
Direct physician communication by secure text, phone, or video is available for non-emergency care. Messages are typically answered during business hours and as clinically appropriate.
Immediate response is not guaranteed. No diagnosis or prescribing through text when an exam is needed. Controlled-medication changes require a scheduled clinical encounter.
Membership does not replace emergency services; urgent or life-threatening symptoms require 911 or emergency-department evaluation.
One annual foundational laboratory panel is included when clinically appropriate: CBC, CMP, fasting lipid panel, dipstick urinalysis, TSH, Free T4, and Vitamin D. Additional laboratory testing, specialty testing, imaging, outside laboratory fees, pathology, and specialist services are not included unless specifically stated.
Compare to Insurance Pricing.
Traditional insurance is designed for catastrophic risk, yet it forces you to use it for primary care.
That creates a cost wedge where you pay premiums and cash prices for routine medicine until a massive deductible is met. DPC + health share separates the two functions: you pay a fair price for unlimited primary care, and you keep a catastrophic backstop for the rare hospital event.
Illustrations below for a single adult in their 40’s or 50’s, Frederick/Carroll County, no premium subsidy. Premiums vary by exact age, ZIP code, and plan. The share figure is an average Sedera contribution for ages 40-59 at $1500 initial unsharable amount (like a deductible).
Scenario 1: Healthy Year (No hospitalization, one urgent care visit, routine labs)
ACA Bronze $6,600 premiums + $800 in cash-pay labs/visits (deductible not met) = $7,400
ACA Gold $8,400 premiums + copays, $1000 deductible not met = $8,600
DPC + Health Share$4,250 membership + $4,104 share contribution + $0 for primary care visits/labs = ~$8,354
Result: In a healthy year, an unsubsidized Bronze plan can cost less. The difference is access: same-day visits, direct contact, and care that does not wait on a deductible.
Scenario 2: Moderate Event (ER visit for laceration, imaging, follow-up)
ACA Bronze $6,600 premiums + $5,000 toward deductible = ~$11,600
ACA Gold $8,400 premiums + $1,000 deductible hit + copays or coinsurance = ~$10,500
DPC + Health Share $8,354 combined + $1,500 IUA (Sedera-style per incident) + DPC handles all follow-up at $0 = ~$9,854
Result: The totals are close. Follow-up and the next sick visit are already paid for on the membership side.
Scenario 3: Major Event (Surgery, hospitalization)
ACA Bronze $6,600 premiums + OOP max ($7,750-$10,150 = ~$14,350-$16,750
ACA Gold $8,400 premiums + deductible hit, then coinsurance until the $8500 OOP max cost = $16,900
DPC + Health Share $8354 combined + typically $1,500 in unshareable/IUA costs per incident = ~$9,854
Result: In a major year, the ceiling is the out-of-pocket maxiumum on an ACA plan. A health share can leave less cash esposed, though they lack the regulatory guarantees of insurance (see caveats below).
Health sharing organizations are not insurance. They are not regulated by state insurance commissioners. Key risks:
Pre-existing conditions: Often subject to waiting periods or sharing limits.
Guarantee: They do not guarantee payment; they facilitate voluntary sharing.
Mandate: They do not satisfy the ACA individual mandate (though the penalty is currently $0 federally).
Prescriptions: Routine medications are generally not shared.
Behavioral health / maternity: May have limited or no sharing.
Application fee: $100 | Monthly membership billed after approval