Pay less for insurance. Still see your doctor whenever you need to.
See how much you could save. A lower-premium, high-deductible plan for the big expenses, plus a DocTalker membership for everyday care. Tap an example or run your own numbers in about a minute. Nothing you enter is saved.
Potential savings per year
*Estimated first-year savings for a household that sees a doctor several times a year and moves from an average silver plan to the lowest-cost bronze (high-deductible) plan plus DocTalker membership, with lab work about 70% lower for members, using 2026 Virginia premiums raised by the 16.9% average approved 2027 increase. Family of four: two adults age 40 and children ages 8 and 10. Estimates only, not a quote. They do not include a year with a major illness, when a high-deductible plan can cost more. Your results will vary.
Who needs coverage?
We use ages to work out membership pricing.
What do you pay each month for health insurance now?
Your share of the premium for everyone on the plan.
What will your new monthly premium be?
Check your renewal notice or the 2027 plans you are comparing.
How often does your household see a doctor?
Include sick visits, checkups, and trips to urgent care.
With DocTalker, would you keep the same insurance plan?
Most of the savings come from pairing DocTalker with a high-deductible plan: you pay a lower premium, and DocTalker covers your everyday care while you work toward the deductible.
If you leave this blank, we estimate a premium about 32% lower: the gap between the average silver plan and the lowest-cost bronze plan in Virginia.
This is a quick estimate for a typical household.
Estimated annual healthcare cost
The one-time registration fee is included in the first-year estimate above.
Your DocTalker membership
See how we calculated your estimate
Without DocTalker
With DocTalker
Your insurance premium isn’t your total healthcare cost.
When insurance premiums increase, it can be worth looking at the bigger picture. Direct Primary Care gives you another way to make your primary care more predictable, accessible, and personalized.
See whether DocTalker could make sense for you or your family.
What your DocTalker membership includes
- Unlimited office, video, and phone visits with no copays
- A doctor you can call 24/7
- Same-day or next-day visits for urgent concerns
- Visits that average 30 to 45 minutes
- Lab work at about 70% less
- Medication refills
- Billed monthly, with no long-term contract
Not included in membership
- Vaccines, billed separately
- House calls, billed on a separate fee schedule
- Hospital care, emergencies, specialists, imaging, and prescriptions, which your insurance covers
We care for patients age 6 and older.
Direct Primary Care does not replace health insurance. Keep coverage for hospital care, emergencies, specialists, imaging, and prescriptions.
This calculator provides estimates for educational and marketing purposes only. Actual healthcare costs vary based on insurance premiums, deductibles, copays, healthcare utilization, prescriptions, and other factors. Direct Primary Care does not replace health insurance. Your actual costs may differ from these estimates.
How the savings work
The savings come from two things working together: a lower-premium, high-deductible plan for the big expenses, and a DocTalker membership for everyday care. On a high-deductible plan alone, every visit, lab, and urgent care trip costs full price until you meet your deductible. With DocTalker, that everyday care is covered by one flat monthly fee.
- Choose a high-deductible planLower monthly premium
- Use DocTalker for everyday careUnlimited visits, no copays, labs about 70% less, a doctor you can call 24/7
- Keep insurance for the big thingsHospital, specialists, imaging, emergencies
What everyday care costs before you meet your deductible
| Full price on your own | As a DocTalker member | |
|---|---|---|
| Doctor visit | about $180 | $0 |
| Urgent care visit | about $195 | $0 when we can see you same day |
| Emergency room visit | about $2,750 | Call your doctor first, 24/7; many visits can be avoided |
| Lab work | full price | about 70% less |
Full prices are UnitedHealthcare median amounts. For a true emergency, always call 911.
More than savings
- Time with your doctorVisits average 30 to 45 minutes.
- Seen when you’re sickSame-day or next-day visits for urgent concerns.
- A doctor you can call 24/7Reach your own care team, not a call center.
- One team that knows youCare for you and your family, age 6 and up.
What patients say
5.0 from 84 Google reviews
“He is attentive, never rushes my appointments, answers all of my questions, and has a wonderful bedside manner. I always feel heard and respected.”
Francisca R., Google review
“Both Dr. Dappen and Dr Bansal truly listen and never rush me when I have requested a telemedicine visit or an in-person office visit.”
Susan L., Google review
“I have been going to DocTalker for over a decade and I am extremely happy with them. Dr Bansal, Dr Dappen and Anissa (NP) are very caring and really listen to you so they can give you the right treatment.”
L.A.T.Z., Google review
How this healthcare cost calculator works
The calculator adds up what a year of healthcare could cost your household two ways. Without DocTalker, it counts your insurance premium plus what you would pay for primary care, urgent care, and emergency room visits. With DocTalker, it counts your premium (or a high-deductible plan, if you choose), your membership, and the urgent care and ER visits a doctor you can reach 24/7 may not prevent. The one-time registration fee is shown, never hidden.
Every number is an estimate you can change. Open “See how we calculated your estimate” to see each line.
Why your premium isn’t your total healthcare cost
Approved 2027 premiums for Virginia individual plans are up about 17% on average. Many people respond by choosing a plan with a lower premium and a higher deductible. On those plans, a doctor’s visit often costs the full price until the deductible is met, which can be several thousand dollars. That is why the premium alone rarely tells the whole story. A high-deductible plan saves money on premiums, and DocTalker makes it practical to keep using care: you see your doctor as often as you need without paying full price each time.
What does Direct Primary Care cost?
Direct Primary Care (DPC) is a membership for your primary care. At DocTalker Family Medicine in Vienna, VA, membership is $35 a month for children and dependents age 6 through 26 with a parent enrolled, $99 a month for adults 27 to 49, and $125 a month for adults 50 and over. Adults 18 to 26 joining without a parent pay the $99 adult rate. Patients under 18 must have a parent or guardian enrolled as a member. Membership is billed monthly with no long-term contract. There is a one-time $110 registration fee per person. Visits have no copays, and we don’t bill insurance for them. See full details on our pricing page.
Questions about this calculator
Where do the savings come from?
Will I save money with Direct Primary Care?
Does Direct Primary Care replace health insurance?
Can I use DocTalker with employer insurance?
Where do the default numbers come from?
Is my information saved?
Who will be my doctor?
What is not included in membership?
Where is DocTalker located?