Whole-Body Primary Care Plans at Monarch Ideal Care

At Monarch Ideal Care, primary care isn't one-size-fits-all.

We offer three ways to receive care, depending on how much access, flexibility, and insurance involvement you want.

All options are physician-led by Dr Leslee Mcelrath and grounded in thoughtful, relationship-based care. The difference is how your care is accessed and supported.

Three Ways to Receive Care at Monarch Ideal Care

Best for: Patients who want insurance completely out of their primary care

  • Same-day or next-day visits

  • 30-60 minute appointments

  • Virtual and in-person care

  • Direct text and email access to Dr Leslee

  • Simple, transparent monthly fee

  • No insurance billing for visits

  • Expanded availability and added convenience

Membership (Concierge)

Best for: Patients with qualifying insurance who want maximum access

  • Same-day or next-day visits

  • 30-60 minute appointments

  • Virtual and in-person care

  • Direct text and email access to Dr Leslee

  • Monthly membership plus use of insurance benefits

  • Expanded availability and added convenience

Insurance-based Care

Best for: Patients who want traditional insurance-based visits

  • In-person visits during standard business hours

  • Scheduling through the office Virtual Assistant

  • Visit length and access determined by insurance

  • Copays, deductibles, and insurance rules apply

What All Care Paths Have in Common

No matter which option you choose, you can expect:

  • A physician who listens and takes time to understand you

  • Lifestyle-focused guidance alongside medical treatment

  • Clear explanations and collaborative decision-making

  • Care designed around long-term health, not rushed visits

The difference isn't the quality of care— it's the level of access and insurance involvement.

Interactive Healthcare Cost Comparison Tool
📋 For the best experience, view this tool on a desktop or laptop. Some sections may be harder to use on a phone.

Interactive Healthcare Cost Comparison Tool

Compare Insurance-Based Care, Concierge Care, and Direct Primary Care — side by side.

1

Compare your monthly care model costs

Select your household size below, then adjust any values to match your situation.

Who are you comparing coverage for?
* Insurance premiums are Ohio market estimates for a Silver-tier plan (ages ~35–45, unsubsidized). Concierge and DPC rates are program pricing. All fields remain editable.
Insurance-Based Care
$ ↔ synced
Your monthly premium after any employer contribution or subsidy. This value also updates the concierge insurance field below.
$
Average monthly cost of copays spread across the year.
Concierge Care
$
Monthly fee for concierge access and enhanced support.
What's included in your concierge membership
✓Same-day & next-day scheduling
✓Virtual visits from anywhere
✓Direct provider access (call/text)
✓Open calendar — no waitlists
✓Copay benefit ($25 credit/visit)
✓Longer, unhurried appointments
$ ↔ synced
Synced with your insurance premium above. Most concierge models still require insurance for other medical expenses.
Direct Primary Care
$
Flat monthly cost for your Direct Primary Care membership.
$
Optional major medical coverage used alongside DPC for larger events.
Monthly Results
Your Monthly Program Comparison
Live estimates based on your inputs
Insurance-Based Care
$620/mo
Concierge Care
$800/mo
DPC
$285/mo
Insurance vs DPC savings
—
Concierge vs DPC savings
—
This section compares the ongoing monthly cost of each care model, not the final cost of every possible medical service.
Annual Estimate
Estimated Annual Cost
Enter visits per person below — totals scale with household size.
Physical Exams Billed $198 · Approved $130
Simple Sick Visits Billed $110 · Approved $79
Complex Follow-Ups Billed $163 · Approved $111
Visit counts are per person and scale with household size. DPC visits are $0 additional — included in membership. Deductible status from Step 3 below is applied here.
2

See what one visit could cost

Monthly program costs are shown above. These examples show what may happen at the visit level.

What's your deductible?

A deductible is the amount you pay out of your own pocket each year before your insurance starts helping with costs. Until you hit that number, you're paying the full bill — not just a copay.

$
💡 A typical Ohio Silver plan has a $5,000 deductible per person. Most people don't hit it in a normal year — which means most visits cost full price.
Have you already met your deductible this year?
What changes: Once your deductible is met, insurance starts sharing the cost — you pay a copay plus 20% of the bill. Before it's met, you owe the full approved amount every visit. Try toggling this back and forth to see the difference — it can be hundreds of dollars per visit. DPC members pay $0 either way.

Scenario 1: Physical Exam

Billed: $198 · Approved fee: $130 · Copay: $30 · Insurance split: 80/20

← swipe to see all three options →

Scenario 2: Simple Sick Visit

Billed: $110 · Approved fee: $79 · Copay: $30 · Insurance split: 80/20

Scenario 3: Complex Follow-Up Visit

Billed: $163 · Approved fee: $111 · Copay: $30 · Insurance split: 80/20

Why this matters

Traditional insurance, concierge care, and Direct Primary Care all structure costs differently. Understanding the difference helps you make a more informed decision about your healthcare.

  • Insurance-based care often includes premiums, copays, deductibles, and coinsurance — making the true cost of a visit difficult to predict upfront.
  • Concierge care may improve access and include membership benefits like copay assistance, but it often still works alongside insurance, meaning you carry both expenses.
  • Direct Primary Care uses a flat monthly membership for routine primary care, which can make costs more predictable and eliminate per-visit charges for covered services.

This tool is designed to help you compare both the monthly cost of each care model and the possible out-of-pocket impact of a real visit.

Disclaimer: This tool uses simplified examples to compare healthcare cost structures. Results are estimates for educational purposes only and do not represent medical, financial, billing, or insurance advice. Actual patient responsibility may vary depending on plan design, deductible status, covered services, and insurer processing rules.

Frequently Asked Questions

What's the difference between Direct Primary Care and Concierge Care?

The care experience is the same. The main difference is whether insurance is involved.

At Monarch Ideal Care, both options give you thoughtful, relationship-based primary care with a whole-person approach. The difference is in how payment is handled.

Direct Primary Care (DPC) keeps insurance out of your primary care. You pay a monthly membership, and your routine primary care is handled directly through that membership.

Concierge Care offers the same style of care, but allows qualified insurance to be used for covered primary care services.

So the question is usually not, “Which care is better?”
It is, “Which payment model fits your situation best?”

Is Direct Primary Care insurance?

No. Direct Primary Care is not insurance.

DPC is a monthly membership you pay directly to your doctor for routine primary care. It is designed to make primary care simpler and more direct.

At Monarch Ideal Care, that means your membership supports the doctor-patient relationship without putting your routine primary care through insurance.

Because DPC is not insurance, many people choose to pair it with wrap coverage, a health share, or a major medical plan for bigger medical events like surgery, hospital care, or emergencies.

Why would I pay for Concierge Care and insurance?

Because Concierge Care gives you the same personalized care experience while still allowing qualified insurance to be used.

For some people, this is the best fit because they want the access, support, and whole-person care Monarch Ideal Care offers, but they also want their eligible primary care services to go through insurance.

That can mean you are paying both a membership fee and keeping insurance. For the right person, that tradeoff may still be worth it because of the care experience, access, and support.

Concierge Care can make sense for someone who wants a more connected primary care relationship but is not ready to fully step away from using insurance for primary care.

What is a deductible?

A deductible is the amount you have to pay yourself before insurance starts paying more of the cost.

For example, if your deductible is $3,000, you may have to pay a large share of your medical costs until you reach that amount.

This is one reason many people feel confused. They may have insurance, but still get bills because they have not met their deductible yet.

At Monarch Ideal Care, understanding this can help you decide whether using insurance for primary care still makes financial sense for you.

What does 80/20 mean?

80/20 usually means insurance pays 80% of the approved amount, and you pay 20%.

For example, if the approved amount for a visit is $100:

insurance pays $80

you pay $20

That 20% is called coinsurance. In many plans, this happens after the deductible has been met.

The calculator uses simple examples like this to help you see how costs may be shared under insurance-based care or Concierge Care.

What is a copay vs coinsurance?

A copay is a set dollar amount. Coinsurance is a percentage of the cost.

A copay might be a flat $30 for a visit.
Coinsurance might mean you pay 20% of the approved amount.

They are different, even though people often hear them used together.

On this page, the examples show how a person may owe more than just the copay when insurance is involved. That is part of why healthcare costs can feel hard to predict.

What is wrap coverage, and will DPC cover me if I go to the ER or need surgery?

DPC does not cover emergency room visits, surgery, hospital stays, or specialist care.

DPC is for routine primary care. That includes the kind of ongoing relationship and everyday medical support many people want from their doctor.

For larger medical events, some people keep wrap coverage, a health share, or another major medical option. That extra coverage is there to help with bigger expenses that fall outside primary care.

So DPC helps with your routine care, while wrap coverage helps protect you from larger medical costs.

Can I switch plans later?

In many cases, yes. We can help you reassess if your insurance, needs, or preferences change.

Life changes. Insurance changes. Budget changes. Sometimes what made sense a year ago is no longer the best fit now.

At Monarch Ideal Care, we want your care model to fit your real life. If your situation changes, we can talk through your options and help you decide whether DPC or Concierge Care makes more sense moving forward.

Do all options include holistic, lifestyle-focused care?

Yes. Every care path at Monarch Ideal Care emphasizes thoughtful, whole-person primary care.

No matter which payment path you choose, the philosophy stays the same. Care is centered on the whole person, not just symptoms or quick fixes.

That means looking at lifestyle, prevention, daily habits, long-term health, and helping you better understand your own body. When needed, medications and other treatments can still be part of care, but the goal is always thoughtful, personalized support.

Are these numbers real?

These numbers are simplified examples meant to help you understand how the different models work.

They are based on common healthcare billing patterns, but they are not a promise of your exact costs.

Your actual numbers can change based on your insurance plan, deductible, approved amounts, type of visit, and other services involved.

The goal of this tool is to make the differences easier to understand so you can ask better questions and make a more informed decision.

Still Not Sure Which Path Fits You Best?

The goal is not to make healthcare more complicated. It is to help you understand your options so you can choose care that fits your needs, your budget, and the way you want to access your doctor.

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