Yes. I recommend all patients maintain a health insurance plan, ideally a high-deductible or catastrophic plan, to cover things Wildflower doesn't: hospitalization, emergency care, specialist visits, imaging, and surgery. Wildflower's membership covers your primary care relationship. It isn't a replacement for insurance coverage.

Wildflower operates on a membership-based direct primary care model. Instead of billing insurance for office visits, you pay a simple monthly fee directly to the practice. That means no copays, no claims, no denials, and no visit limits driven by what an insurer will cover: just care built around you. You're welcome to use your insurance for anything outside of primary care, such as labs, imaging, specialist visits, or hospitalization.

Membership alone doesn't cover hospitalization, surgery, or emergency care, so I recommend pairing it with some form of insurance or medical cost-sharing coverage. If cost is a barrier, ask about options like health-sharing programs, which some patients use alongside their Wildflower membership for major medical expenses.

Possibly. Under federal law that took effect in 2026, a direct primary care membership can be paid with HSA funds as long as the total monthly fee does not exceed $150 for one person, or $300 for an arrangement covering more than one person. Wildflower's individual rates ($150 Standard, $125 Founding) are within the single-person limit. A household's combined fees can exceed the $300 limit, so please confirm your household's eligibility with your HSA administrator or a tax advisor. Wildflower does not provide tax advice.

As a Wildflower member, you can access wholesale, cash-pay rates for many medications, labs, and imaging studies, often lower than a typical insurance copay. I'll always let you know the cost before anything is ordered or prescribed, so there are no surprises. You're free to pay directly rather than going through insurance.