Reduce Churn from Job Changes
Atlas Direct is fully portable across employers and benefit designs, so patients with Atlas Direct are less likely to cancel their DPC membership when they change jobs or face employer-coverage changes.
Tired of Fixing Healthcare Alone? Atlas Direct Helps DPC Doctors Thrive—with Zero Paperwork, No Prior Authorizations, and Year-Round Open Enrollment!
Built for DPC
Atlas Direct was specifically designed to meet the needs of DPC patients and physicians.
Atlas Direct helps patients by offering fixed-indemnity insurance coverage for a variety of medical expenses that aren’t covered by DPC—including hospitalization, ER services, and over 400 surgeries and diagnostic procedures.
Atlas Direct helps physicians by improving recruitment, increasing retention, and supporting the affordable DPC ecosystem—including cash-price surgery centers, cash-pay imaging, and wholesale discount pharmacies.
Key Benefits for Patients and Physicians
Since Atlas Direct is a limited-benefit (fixed-indemnity) insurance plan, it pays fixed dollar amounts for covered services.
For DPC Patients
- No networks.
- No deductibles.
- No copays.
- Open enrollment all year long.
For DPC Physicians
- No prior authorizations
- No insurance billing
- No coordination of benefits
- Zero paperwork
- Refer patients to best cash-price option
- Totally hassle-free
Why DPC Clinics Choose Atlas Direct
Reassure Hesitant Prospects
Before committing to DPC, many people want insurance coverage that helps “cover the things that DPC doesn’t.” By providing transparent cash benefits for a wide variety of significant medical expenses, Atlas Direct makes it easier for hesitant prospects to say yes to DPC.
Make DPC an Easier Sell to Employers
Bundle your DPC membership with Atlas Direct so employers can offer their employees direct access to world-class primary care plus simple, predictable cash coverage for a wide variety of medical services that are not covered by DPC.
Keep Care in the Cash-Pay Ecosystem
Atlas Direct pays cash benefits directly to patients, not providers. So patients can shop for cash prices you recommend and bypass the slow and costly fee-for-service machine that drives up prices.
What’s Covered
Atlas Direct covers a limited set of medical services, including:
- Hospital admissions
- Emergency room visits
- Skilled nursing
- Ambulance transportation
- Childbirth
- Hospice care
- Up to 439 surgical and diagnostic procedures
What’s Not Covered
Atlas Direct is not a comprehensive major medical plan. It excludes many medical services and products, including infertility treatments, cosmetic surgery, and substance abuse treatments.
We also exclude prescription drugs, basic imaging, and lab work because most DPC patients can access those items at wholesale cash prices through their Direct Primary Care physicians.
If You Like It,
Your Patients Will Love It
Atlas Direct keeps your practice independent—and your patients empowered. It’s built for DPC, keeps you out of insurance administration, and offers portable coverage that can help grow your patient panel.
Explaining Atlas Direct to Patients and Employers is Quick and Easy
For Current and Potential Patients: “DPC for everyday care—and Atlas Direct to help with the costly and rare.”
For Patients Dealing with a Job Change or a Coverage Change: “Keep your DPC membership and add Atlas Direct. It’s portable across employers and immune to benefits changes—so you won’t have to leave me (your DPC doctor) if your employer health coverage shifts.”
For Employers: “Bundle our DPC services with Atlas Direct’s fixed cash benefits. Your employees will get top-quality primary care plus coverage for a variety of big-ticket events—all without the billing uncertainty and payments complexity of the traditional healthcare system.”
Ready to Empower Your Patients—and Grow Your Practice?
- Download the Atlas Direct brochure for complete benefit details.
- Invite employers to explore a DPC + Atlas Direct bundle.
- Have questions? Live Chat, call 316-234-1309, or email hello@atlas.direct.
The insurance policy advertised on this website offers limited health benefit coverage and is a supplement to, rather than a replacement for, comprehensive major medical insurance coverage. It is designed to provide benefits at preselected, fixed dollar amounts for covered diagnoses. This limited benefit coverage does not satisfy the minimum essential coverage requirements of the Affordable Care Act. Coverage is not available to insureds age 65 or over.
The policy is a group fixed-indemnity plan that is underwritten by Pan-American Life Insurance Company, 601 Poydras Street, New Orleans, LA 70130 under policy form G-NHI23-P. The policy has exclusions and limitations. Coverage and plan options may vary or may not be available in all states. Refer to the policy and certificate of coverage for complete terms and conditions. Premiums may vary by state. Get a quote to see your premiums. Underwriting approval is required to purchase coverage.
The Direct Care Foundation is the policyholder and membership in the Direct Care Foundation is required for eligibility to buy this coverage.
Atlas Direct Agency LLC (ADA) is a licensed insurance agency (Nevada #4005774) appointed by Pan-American Life Insurance Company. The purpose of the material on this website is the solicitation of insurance. An insurance agent may contact you. Insurance quotes are provided by ADA.
Atlas Direct is a service mark of ADA.
This website and its contents are a resource that is for informational purposes only and reflect information available at the time of publication. This information is not a guarantee of rates, coverage, or benefit levels. Nothing on this site changes or overrides any terms of insurance policies issued by Pan-American Life Insurance Company. If there is any conflict between the information provided here and the terms of a policy, the policy terms will take precedence.
The Omnibus Budget Reconciliation Act of 2026 revised the rules governing health savings accounts (HSAs) in ways that allow them to be used to pay for direct primary care (DPC) monthly membership fees. The new rules still impose important limitations on the use of HSA funds and require regulations or guidance to be issued in the future. The premiums paid for the Atlas Direct insurance program do not qualify as an eligible HSA expense.
The material on this website has been prepared for informational purposes only and is not intended to provide, and should not be relied on, for tax, legal or accounting advice. Employees and employers should consult their own tax, legal and accounting advisors before engaging in any transaction. Atlas Direct cannot guarantee a favorable tax outcome in all situations as federal and state laws are continuously changing. The benefits paid on this program may be taxable income.
This website contains wording that was created by Atlas Direct Agency LLC. All contents of this website are © Atlas Direct Agency LLC, 2026. All Rights Reserved.