Simple pricing, dedicated care

Primary Care Membership

Monthly

Simple, predictable monthly payments.

  • Signup Fee
    $100
  • Age: 0–20
    $60
  • Age: 21–40
    $80
  • Age: 41–64
    $100
  • Age: 65+
    $115
Save 10%

Yearly

Pay once a year and enjoy a 10% discount.

  • Signup Fee
    $100
  • Age: 0–20
    $648 (save $72)
  • Age: 21–40
    $864 (save $96)
  • Age: 41–64
    $1,080 (save $120)
  • Age: 65+
    $1,242 (save $138)

Important notes: Quest Diagnostics lab processing fees are provided to Members at a discounted cash rate, which is made available through Luna Health DPC. These laboratory fees are the financial responsibility of the Member and are payable directly to Luna Health. Charges will be processed to the Member’s credit card on file once the corresponding invoice from Quest Diagnostics is received and verified.

If a patient decides to rejoin the practice after leaving, a re-enrollment fee will be required: $300 for individuals or $400 for families.

Estimate Your Membership Cost

Use our calculator to estimate your family’s membership cost — and compare it to real Massachusetts healthcare spending.

Patient #1

Estimated Total

Monthly Total:$0
Yearly Total:$0

* Families with more than two children pay $10/month per extra child.

Weight Loss Management Pricing

Our Weight Loss Management fee is an add-on to your primary care membership for patients who want to use their insurance to cover weight loss medications. You will only be charged this fee if we are able to get your medication approved by your insurance.

This small fee helps cover the extensive paperwork and ongoing prior authorization work required to manage GLP-1 medications.

Industry Price Comparison

Luna
 Ro Nurx Health
Monthly Fee $20 $145 $59
Annual Fee
$240 $216
$1,740 $708
Dedicated Provider
Unlimited Visits
Integrated care with your PCP

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Great News! HRA, HSA & FSA Coverage for DPC

Starting in 2026, you can now use your Health Reimbursement Accounts (HRA), in addition to Health Savings Account (HSA), or Flexible Spending Account (FSA) funds to pay for your Direct Primary Care (DPC) membership! This exciting change is part of the new Primary Care Enhancement Act — a bipartisan provision included in the federal “Big Beautiful Bill” passed by Congress to expand access to affordable, patient-centered primary care.

Coverage Details

  • Effective Date: January 1, 2026
  • Eligible Accounts: Health Reimbursement Accounts (HRA), Health Savings Accounts (HSA), and Flexible Spending Accounts (FSA)
  • Annual Coverage Limits: Individuals may use up to $1,800 per year; families may use up to $3,000 per year toward DPC memberships.
  • What’s Covered: Monthly DPC membership fees and related primary care services provided directly by your physician.

We’re thrilled that this long-awaited change recognizes the value of the DPC model. Patients can now invest in their health with greater flexibility — and enjoy all the benefits of personalized care without insurance barriers.

Learn More →

Pricing FAQs

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.

Insurance FAQs

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.

Questions about Pricing?

Fill out your details below and a member of the Luna team will be in touch to help answer any questions you have.

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