Frequently Asked Questions

Yes! Thanks to a recent federal update, FSA and HSA funds can now be used for Direct Primary Care memberships. This means your Luna membership fee qualifies as an eligible medical expense under the new law.

While this is now allowed at the federal level, it's still a good idea to confirm with your FSA or HSA plan administrator, since some employers may take time to update their systems or documentation.

Not at all! Your membership fee includes every office visit — no copays, no billing, no hidden fees. Just simple, straightforward care when you need it.

As many as you need! Whether it's one visit or ten, your membership gives you unlimited access to your care team. We never rush or limit visits — your care should fit your life, not the other way around.

Yes! We keep our schedule flexible so we can usually fit you in the same day if something comes up.

If you don't see an available time online, just send us a quick text — we'll do our best to find a time that works for you that day.

Yes, you can choose either annual or monthly billing — whichever fits your budget best. If you decide to pay annually, you'll receive a 10% discount as a thank-you for committing for the year.

Yes, we love caring for families! When a parent is a member, additional children (beyond the first two) are just $10 per month each.

It's an easy, affordable way to make sure everyone in your family has the care they need.

Nope — and that's one of the best parts! Luna Health is built around a simple membership model, not insurance. That means no copays, no surprise bills, and no waiting for approval from middlemen.

Your monthly membership covers all your primary care needs directly through us, keeping things predictable, transparent, and stress-free.

Curious about how this model works? Take a look at our What is DPC page for a friendly overview.

While your Luna membership covers all of your primary care visits, you'll still use your insurance for things like lab work, imaging, prescriptions, or specialist care.

Your insurance needs to allow out-of-network doctors to order labs and imaging, and to place referrals. In many cases, this simply means your plan should not require an insurance referral to see a specialist. PPO-style plans usually allow this, while HMO-style plans typically require you to stay in-network. Because of this, PPO plans generally work best with DPC.

Medicare does allow out-of-network doctors to order tests and make referrals. If you have a Medicare supplement, please check that it does not require in-network doctors for orders or referrals. PPO-style and Medex supplements tend to work best.

Not quite 24/7 — we're still human and need time to sleep, eat, and recharge. If you call at 3am, our phones will ring, please use that power responsibly! 😊

That said, you'll have generous access Monday through Friday from 8am to 8pm for anything you need, and you can email anytime for non-urgent questions. If something urgent comes up outside of those hours, we'll always do our best to help as soon as we can.

Absolutely! We believe good communication between providers is key to great care.

Specialists can send us notes through secure electronic fax, and we're always happy to connect directly by phone when collaboration helps coordinate your care more smoothly.

Yes — for children, vaccines are available right here at the office at no cost through the state's vaccine program.

Adult vaccines can be conveniently received at your local pharmacy, where most insurance plans will cover them.

We'll always let you know ahead of time before any planned time off.

If something urgent comes up while we're away, you can still reach out to us directly — and if an in-person visit is necessary, we'll guide you to a trusted local urgent care for temporary support.

Our goal is to make sure you always feel cared for, even when we're taking a little time to recharge.

No — we don't practice functional medicine. We focus on evidence-based direct primary care centered on your long-term health.

If you're specifically seeking a functional medicine provider, we're happy to help connect you with clinicians in the area who specialize in that approach.

GLP-1 (glucagon-like peptide-1) medications are a class of drugs that help regulate appetite and blood sugar levels. They work by mimicking a natural hormone that signals fullness to your brain, helping reduce hunger and support sustainable weight loss.

Yes, our Weight Loss Management program is currently available exclusively to Luna Health members. Your primary care membership ensures you receive comprehensive, coordinated care throughout your weight loss journey.

We're always evaluating our programs and this could change in the future. If you're interested in our weight loss program but not yet a member, please reach out to us so we know you're interested.

Coverage varies by insurance plan. We handle all the prior authorization paperwork on your behalf to help get your medication approved. You will only be charged the weight loss management fee if we are able to get your medication approved by your insurance.

If you need a GLP-1 medication for diabetes management, this is handled as part of your regular primary care — not through the Weight Loss Management program. You will never pay an additional fee for GLP-1 administration and paperwork needed for diabetes management. We'll work with your insurance to get your medication covered as part of your standard care.

The Weight Loss Management fee is just $20/month — a small add-on to your primary care membership. This covers the extensive paperwork and ongoing prior authorization work required to manage GLP-1 medications through your insurance.

Our program includes a comprehensive medical evaluation, insurance prior authorization handling, ongoing monitoring and dosage adjustments, and direct access to your physician for questions and support throughout your journey.

Treatment duration varies based on your individual goals and progress. During regular check-ins, we'll monitor your progress and work together to determine the best timeline for your health needs.

Like all medications, GLP-1s can have side effects. The most common include nausea, which typically decreases over time as your body adjusts. We'll discuss potential side effects during your evaluation and monitor you closely throughout treatment.

DPC doesn't replace insurance — it works alongside it. Think of insurance as protection for major medical events (hospitalizations, surgeries, specialists), while Luna Health handles the day-to-day primary care your employees need most.

By covering 80-90% of healthcare needs directly, DPC reduces the usage of traditional insurance, which leads to significant cost savings on premiums and claims.

Employers typically see a 13% reduction in total claims costs and 40% fewer ER visits when employees have access to Direct Primary Care. Because employees can see their doctor easily and often, issues are caught early before they become expensive emergencies.

You'll also benefit from direct payments for discounted labs and medications — completely outside of insurance.

No! Unlike traditional insurance, there's no open enrollment window. Employees can join Luna Health at any time. This flexibility makes it easy to add new hires or expand coverage whenever it makes sense for your business.

Not necessarily. We offer flexible options based on your needs:

• Full coverage: Provide Luna Health memberships to all employees as part of your benefits
• Voluntary benefit: Offer Luna Health as an optional benefit that employees can elect
• Tiered approach: Cover certain employee groups (e.g., full-time staff) while offering it as

We'll work with you to find the right fit for your organization and budget.

Not exactly. While Luna Health does not bill insurance for primary care services, the Commonwealth of Massachusetts requires all residents to maintain health insurance coverage. Direct Primary Care is not a substitute for insurance.

Your employees will still use their insurance for:

• Prescription medications (pharmacy benefits)
• Specialist visits and referrals
• Lab work performed outside our office
• Imaging (X-rays, MRIs, CT scans)
• Hospitalizations and emergency care
• Surgical procedures

Think of Luna Health as a complement to insurance. We handle day-to-day primary care, while insurance covers higher-cost services. This combination often leads to lower overall healthcare costs by supporting proactive care that helps prevent more expensive issues later on.

Each employee membership includes:

• Unlimited office visits with no co-pays or deductibles
• Same-day and next-day appointments
• Direct access to their doctor via text, phone, or video
• After-hours availability for urgent concerns
• Chronic disease management
• Preventive care and annual physicals
• Discounted labs and medications

Simply contact us to schedule a consultation. We'll discuss your business needs, employee count, and help you design a plan that works for your budget. Through our partnership with Hint Connect, implementation is streamlined even for multi-location or multi-state employers.