Frequently Asked Questions 

Prosper Direct Primary Care is a membership-based practice focused on providing high-quality primary and integrative medicine services. Integrative medicine is a patient-centered approach that combines conventional and evidence-informed complementary therapies to address the physical, emotional, social, spiritual, and environmental factors that influence overall health. Members receive personalized, accessible care with benefits such as direct communication with their care team and priority scheduling, including next-day appointments when available, allowing time to address concerns in a supportive and unhurried setting.

Prosper Direct Primary Care uses an innovative healthcare model known as direct primary care. This model removes many of the barriers created by traditional insurance-based practices, including copays, deductibles, and claim submissions for membership services. Because the practice does not rely solely on insurance reimbursement, we are able to focus on delivering personalized, relationship-based care. Visits are designed to be thoughtful and unhurried, and new member appointments are scheduled for extended time to better understand each patient’s health history and wellness goals. Membership also provides transparent pricing with no unexpected fees for covered services. By maintaining a smaller patient panel, Prosper Direct Primary Care is able to offer enhanced access to the care team, timely appointments, and direct communication when medical guidance is needed.

Arrangements can be made for laboratory testing at the facility of your choice. If you have insurance, eligible lab services and screening tests such as pap smears and mammograms may be billed through your insurance plan. If you do not have insurance, payment for laboratory services may be collected prior to testing. Prosper Direct Primary Care has negotiated discounted self-pay pricing for many laboratory services, and applicable charges may be added to your preferred payment method on file. We have also arranged preferred self-pay rates with select imaging centers and will review pricing with you before scheduling. Imaging fees are typically paid directly to the imaging facility at the time of service.

Yes, we currently offer in-office visits by appointment only to accommodate next-day availability for urgent visits.

If hospitalization or specialized care is needed, Prosper Direct Primary Care will coordinate with your hospitalist and collaborate closely with specialists involved in your care. Depending on the condition and level of expertise required, certain aspects of treatment may be managed by those specialized providers. Because direct primary care is not a health insurance plan and does not cover hospitalizations, specialist care, or emergency services, we strongly encourage members to maintain health insurance coverage for these types of medical needs.

Many health concerns can be evaluated and managed through phone calls, secure messaging, email, or telemedicine visits when clinically appropriate. As part of our membership model, patients have enhanced access to communicate with the care team and schedule virtual visits as needed. If a condition requires in-person evaluation or urgent treatment, Dr. Kolawole will help direct you to appropriate local care and coordinate follow-up upon your return home when applicable.

Yes. At Prosper Direct Primary Care, we believe healthcare should focus not only on treating illness, but also on supporting long-term wellness and prevention. Much of traditional healthcare is centered around reacting to symptoms after they appear, often leaving little time for proactive care and personalized health planning. Our membership model is designed to provide patients with more time, accessibility, and continuity of care so concerns can be addressed earlier, when appropriate. Through personalized treatment plans, preventive care, and ongoing support, we aim to help patients maintain their health and reduce the risk of future illness whenever possible. We also strive to offer timely appointments and responsive communication so patients can seek care when concerns arise, rather than delaying care due to scheduling barriers or rushed visits.

No. Prosper Direct Primary Care does not bill insurance for membership fees or routine membership services. The direct primary care model is designed to simplify healthcare by avoiding many of the complexities associated with traditional insurance-based practices, including co-pays and deductibles for covered membership services. Patients with private insurance may be able to use their insurance for services provided outside the practice, such as specialist care, imaging, hospitalizations, or laboratory testing when applicable. Depending on your plan, some services may qualify for out-of-network reimbursement, and we can provide documentation for you to submit to your insurance carrier upon request.

Absolutely. You may still become a member of Prosper Direct Primary Care even if you have health insurance. Membership fees are paid directly to the practice and are not billed through insurance. Dr. Kolawole functions as a non-participating provider and may be able to order labs, imaging, medications, and specialist referrals that can be processed through many insurance plans, depending on your coverage and network requirements. Please note that certain HMO plans may require referrals through an in-network primary care provider. Prosper Direct Primary Care has also negotiated discounted self-pay pricing for many commonly used services, which in some cases may be comparable to or lower than typical insurance co-pays or cash-pay rates.

Yes. Prosper Direct Primary Care does not replace your existing health insurance. There are certain types of care we do not provide or cover directly, such as hospitalizations, surgeries, emergency services, and most specialty care, which are typically handled outside of the practice. For this reason, we recommend that members maintain health insurance coverage or an alternative cost-sharing arrangement to help manage expenses related to unexpected or higher-level medical needs. Options may include a high-deductible health plan (HDHP) paired with a Health Savings Account (HSA), or a nonprofit medical cost-sharing program to provide financial protection in the event of hospitalization or specialist referral.

If you have a Health Savings Account (HSA) or Flexible Spending Account (FSA), you may be able to use those funds toward your annual membership, depending on your plan’s eligibility rules. We recommend consulting your tax advisor or HR department for guidance specific to your situation.

We keep our membership fees simple: Kids (5–19) with enrolled adult: $45/month Kids (5–19) without enrolled adult: $55/month Young Adults (20–44): $50/month Middle Aged Adults (45–64): $75/month Fine Wine Adults (65+): $100/month

We offer a complimentary 15 minute meet and greet to help answer your questions about the membership model and introduce you to our team. There is no commitment required for this visit, and it may be scheduled either virtually or in person. We do not charge an enrollment fee; however, a minimum 3-month membership commitment is required. The first month’s membership fee is charged at the time your enrollment is accepted.

Direct Primary Care works best when there is a long-term relationship between the physician, care team, and patient. However, we recognize that this model may not be the right fit for everyone. Membership may be canceled at any time. To ensure fairness to all members and the sustainability of the practice, former members are generally not able to rejoin during periods of illness or acute medical need. Re-enrollment, if requested after cancellation, is subject to review and at the discretion of the physician. If you are experiencing financial hardship, we are happy to discuss options and will do our best to work with you on a case-by-case basis.

At this time, we are open for enrollment, which you may access through our membership page or by selecting the “Become a Member” option above. After pre-enrollment, Dr. Kolawole will reach out to schedule a virtual or in-person visit to get acquainted and review your medical history, goals, and needs. This meeting helps determine whether our care model is the right fit for you. Our practice maintains a limited patient panel to ensure personalized, high-quality care for each member. For this reason, enrollment is accepted on a first-come, first-served basis. Once capacity is reached, a waitlist may be established, and interested individuals are encouraged to join early to secure availability.