Direct Primary Care in New Jersey
Direct primary care (DPC) is a membership model where you pay your doctor a flat monthly fee for unlimited primary care, instead of running every visit through insurance. In New Jersey, Dr. Nelly Singh, DO — a board-certified family medicine physician — offers direct primary care by secure telehealth statewide, plus concierge-style home visits in select North Jersey communities. No copays, no surprise bills, no insurance middleman between you and your physician.
What is direct primary care?
Direct primary care is a healthcare model in which patients pay a physician a flat, predictable membership fee — monthly or per visit — for direct access to their primary care doctor, without billing insurance for those visits. The fee covers your everyday primary care: wellness guidance, chronic disease management, acute illness, mental health, prescriptions, lab orders, and direct messaging with your physician.
Because there's no insurance company dictating how a visit is coded or how long it can last, a direct primary care doctor can keep their patient panel small and spend real time with each person. That means longer visits, faster access, and a continuous relationship with the same physician — the way primary care was meant to work.
With Dr. Nelly, direct primary care across New Jersey is delivered primarily through HIPAA-compliant video visits, with in-person home visits and osteopathic manipulative treatment available in select North Jersey towns. You keep your existing health insurance for everything DPC isn't designed to cover, like hospital stays, imaging, and specialists.
How direct primary care works
Three things make the DPC model different from traditional, insurance-based primary care.
A flat membership fee
You pay one transparent rate — not a tangle of copays, deductibles, and surprise bills. Telehealth membership is $90/month for unlimited visits, or $120 for a single pay-per-visit appointment. You always know the price before you're seen.
No insurance billing
Dr. Nelly does not bill insurance for visits, which is what frees up time for unhurried, 30–60 minute appointments. A superbill is available on request so you can seek out-of-network reimbursement, and HSA/FSA funds may be applied toward membership.
Direct access to your doctor
Members get same- or next-day appointments and direct messaging with Dr. Nelly — not a call center or a rotating roster of providers. You see the same physician every time, and she knows your full history.
Explore the full breakdown of memberships and pricing or see the complete list of primary care services Dr. Nelly provides.
Direct primary care vs. traditional insurance-based care
How DPC compares to a conventional, insurance-driven primary care practice in New Jersey.
| Direct primary care | Traditional insurance-based | |
|---|---|---|
| Visit length | 30–60 minutes, unhurried | About 7–15 minutes |
| Appointment wait time | Same- or next-day for members | Often weeks out |
| Direct messaging with the doctor | Yes, included with membership | Rare |
| Insurance billing | None, superbill on request | Yes |
| Copays & surprise bills | None | Common |
| Pricing transparency | Transparent, starting at $90/mo | Often unclear until billed |
| Same physician each visit | Yes, always Dr. Nelly | Often rotating providers |
| Visit format | Secure HIPAA video statewide, home visits in select towns | In-person, by appointment |
Direct primary care doesn't replace health insurance — it works alongside it. Insurance covers hospitalizations, specialists, and major procedures; your DPC membership gives you better day-to-day access to your primary doctor. See full pricing and plan details.
DPC vs. concierge medicine: what's the difference?
Direct primary care and concierge medicine are often confused because they share the same goal: more time with your doctor, faster access, and a real relationship instead of assembly-line care. Both replace the rushed, insurance-driven visit with something more personal.
The honest difference comes down to cost, billing, and transparency. Traditional concierge practices typically charge a high annual retainer — often several thousand dollars a year — on top of still billing your insurance for visits. Direct primary care is built to be more transparent and more affordable: a flat, published monthly fee, no hidden retainer, and no insurance billing for your primary care.
Dr. Nelly's practice gives you the access concierge patients expect, at direct-primary-care prices. For patients in select North Jersey communities, the Home Visit Membership adds a concierge-style experience — in-person home visits, an annual physical performed at your home, and direct access for urgent needs — on top of all the telehealth benefits. A complimentary meet & greet with Dr. Nelly is required to enroll.
What does direct primary care cost in New Jersey?
No copays, no surprise bills — here's exactly what each option costs.
Telehealth Membership — $90/month
Unlimited virtual primary care across New Jersey, billed at one flat monthly rate.
- Unlimited visits, no copays
- Same- or next-day appointments
- Direct messaging with Dr. Nelly
- 30–60 minute appointments
- E-prescriptions, lab orders & HIPAA video
Telehealth Pay-Per-Visit — $120
A single telehealth visit when you need one, no membership required.
- One-time virtual visit with Dr. Nelly
- No monthly commitment
- E-prescriptions and lab orders as appropriate
- Easy to upgrade to membership later
Home Visit Membership — $300/mo individual, $900/mo family
Concierge-style in-person care at home in select North NJ communities, with all telehealth benefits included. Family covers 2 adults + up to 2 children up to age 26.
- All telehealth membership benefits included
- In-person home visits for sick care or wellness
- Annual physical performed at your home
- Meet & greet required to enroll
Osteopathic Manipulative Treatment (OMT)
Hands-on, whole-body care for pain and mobility — $250 initial visit, $160 follow-up. Delivered during a home visit, no membership required.
- Treats back & neck pain, headaches, chronic injuries, and more
- Full-body evaluation of dysfunctions contributing to symptoms
- Available in select North NJ communities
- Learn more about OMT →
HSA/FSA funds may be used toward membership, and a superbill is available on request for possible out-of-network reimbursement. Dr. Nelly does not bill insurance for visits and is not currently accepting Medicare patients. See the full membership and pricing page for details.
Does direct primary care replace health insurance?
No — direct primary care is not health insurance, and it isn't meant to replace it. DPC covers your everyday primary care, while insurance protects you against the big, unpredictable costs: hospitalizations, surgery, emergency care, high-cost imaging, specialists, and major procedures. The two work best together.
Most of Dr. Nelly's patients keep their existing insurance and use their DPC membership for the care they actually use day to day — checkups, chronic condition management, acute illness, mental health, prescriptions, and labs. Many patients pair direct primary care with a high-deductible plan, using the membership for routine care and reserving insurance for catastrophic events.
Because Dr. Nelly doesn't bill insurance for visits, labs, imaging, and specialist services ordered through your care are billed separately by those providers and can still run through your plan. A superbill is available on request if you'd like to submit visit fees for possible out-of-network reimbursement. HSA and FSA funds may be applied toward membership, subject to federal limits.
Is direct primary care worth it — and who is it for?
DPC is a strong fit for people who want more time, faster access, and a real relationship with their doctor.
People tired of rushed visits
If 7-minute appointments and a different provider every time have left you unheard, DPC gives you unhurried, 30–60 minute visits with the same physician who knows your history.
Managing a chronic condition
Diabetes, hypertension, thyroid, asthma, high cholesterol, anxiety, or depression are easier to manage with frequent, low-friction access and direct messaging — all included, with no per-visit copay.
Busy families & professionals
Telehealth from anywhere in New Jersey and home visits in select North Jersey towns make care fit your schedule — no waiting rooms, no taking a half-day off to be seen.
High-deductible plan holders
If you rarely hit your deductible, paying for routine care out of pocket already — a flat $90/month membership can be more predictable and more personal than insurance-based primary care.
Those who value transparency
No surprise bills, no opaque coding, no copays. You see the price before the visit, and you can cancel a month-to-month membership at any time.
People who want whole-person care
Dr. Nelly blends family medicine with lifestyle medicine, mental health support, and osteopathic principles — care for the whole person, not just a single complaint. Meet Dr. Nelly →
Direct primary care with Dr. Nelly across New Jersey
Telehealth statewide, plus concierge-style home visits and OMT in select North Jersey communities.
Telehealth across all of New Jersey
Direct primary care by secure, HIPAA-compliant video is available to any patient physically located in New Jersey at the time of their visit. Wherever you are in the state, you can see Dr. Nelly for wellness guidance, chronic conditions, acute illness, mental health, women's and men's health, prescriptions, and lab orders.
Home visits & OMT in North Jersey
In-person home visits and osteopathic manipulative treatment are available in affluent North Jersey communities within about an hour of Newfoundland, NJ — primarily across Bergen and Sussex counties. A physical office is opening in Waldwick, NJ in the coming weeks.
Home-visit & OMT service area
Service availability is determined by location and may not be available in every New Jersey community. Telehealth is available statewide.
How to start direct primary care
Choose your plan
Pick telehealth membership, a single pay-per-visit, or a home-visit membership in select North NJ towns.
Meet Dr. Nelly
Start care by video, or request a meet & greet to enroll in the home-visit membership.
Get ongoing care
Direct access to your doctor: same- or next-day appointments, direct messaging, and year-round primary care.
Direct primary care in New Jersey: FAQ
Common questions about how DPC works, what it costs, and how it fits with insurance. See more on our general FAQ page.
What is direct primary care?
Direct primary care is a membership model where you pay a physician a flat monthly or per-visit fee for direct access to your primary care doctor, instead of billing insurance for each visit. The fee covers everyday primary care — wellness, chronic conditions, acute illness, mental health, prescriptions, and labs. Because there's no insurance middleman, visits are longer and access is faster. With Dr. Nelly, DPC is delivered by telehealth statewide in New Jersey, plus home visits in select North Jersey towns.
How much does direct primary care cost in New Jersey?
With Dr. Nelly, telehealth membership is $90/month for unlimited visits, or $120 for a single pay-per-visit appointment with no membership. The Home Visit Membership in select North Jersey communities is $300/month for an individual or $900/month for a family (2 adults plus up to 2 children up to age 26), with all telehealth benefits included. Osteopathic manipulative treatment is $250 for an initial visit and $160 for follow-ups. HSA/FSA funds may be applied toward membership.
Is direct primary care worth it?
For many people, yes. Direct primary care is worth it if you value unhurried 30–60 minute visits, same- or next-day access, direct messaging with your doctor, and transparent pricing with no copays or surprise bills. It's an especially strong fit for people managing chronic conditions, busy families, and anyone on a high-deductible plan who already pays out of pocket for routine care. Memberships are month-to-month, so you can cancel anytime if it isn't right for you.
What's the difference between DPC and concierge medicine?
Both offer more time, faster access, and a real relationship with your doctor. The difference is cost and transparency: traditional concierge practices charge a high annual retainer and often still bill your insurance, while direct primary care uses a flat, published monthly fee and doesn't bill insurance for visits. DPC delivers concierge-style access at a more affordable, transparent price. Dr. Nelly's Home Visit Membership adds a concierge-style in-person option in select North Jersey towns.
Does direct primary care replace insurance?
No. Direct primary care is not insurance and isn't meant to replace it. DPC covers everyday primary care, while health insurance protects you against major costs like hospitalizations, surgery, specialists, and high-cost imaging. They work best together. Most of Dr. Nelly's patients keep their existing insurance for big events and use their DPC membership for routine care. A superbill is available on request for possible out-of-network reimbursement.
Can I use HSA or FSA funds for direct primary care?
Yes. Health Savings Account (HSA) and Flexible Spending Account (FSA) funds may be used toward direct primary care membership fees, subject to monthly limits defined by federal guidelines. Please check with your plan administrator for the specifics of your account. Dr. Nelly does not bill insurance for visits, but a superbill is available on request so you can submit fees for possible out-of-network reimbursement.
Is direct primary care available by telehealth in NJ?
Yes. Dr. Nelly offers direct primary care by secure, HIPAA-compliant video to any patient physically located in New Jersey at the time of their visit. Telehealth handles wellness guidance, chronic conditions, acute illness, mental health, women's and men's health, prescriptions, refills, and lab orders. Some services that require an in-person exam — like pap smears, immunizations, and certain procedures — are done during a home visit in select North Jersey towns or referred out.