Yes — keep it. Aspen Health is your primary care home, not a replacement for insurance. Your membership covers your everyday primary care: visits, messaging, and ongoing access. You would still use your insurance for hospitals, the ER, specialists, imaging, labs, immunizations, and prescriptions. Many members pair Aspen Health with a lower-premium plan and come out ahead.

We don't bill insurance for membership — and that's the point. Removing insurance billing is what lets us offer longer visits, direct access, and no copays or surprise bills. Membership is HSA/FSA-eligible, and we can provide documentation to support an out-of-network reimbursement claim if your plan allows it.

Direct primary care (DPC) is a membership model where a flat monthly fee replaces insurance billing for primary care. You get more time with your doctor, direct access, and no copays.

Concierge medicine is different — it typically charges a high annual retainer on top of billing your insurance for visits. DPC eliminates the insurance layer entirely, which is what makes it affordable and simple.

Yes. DPC membership fees are HSA and FSA eligible — you can pay your monthly membership with pre-tax dollars. As of January 2026, this is confirmed under federal law for DPC practices, subject to a monthly cap of $150/individual. Both our Core ($100) and Premium ($150) plans fall within this cap. We can provide documentation if your HSA/FSA administrator requires it.

For most members, yes — often significantly so. With a high-deductible health plan (HDHP), you pay full price for most care until your deductible is met. That means you're already functioning as a self-pay patient for everyday primary care visits, lab work, imaging, and chronic disease management.

To put it simply: a single sick visit or problem-focused primary care appointment in NJ typically costs $150–250 out of pocket. Your Aspen Health membership covers unlimited visits for $100/month — with direct access to a physician who knows you, not a rotating nurse or physician's assistant.

Aspen Health lets you redirect that out-of-pocket spending toward better care: unlimited visits for any reason, direct doctor access, included rapid testing, and discounted imaging through our cash-pay network — for a predictable monthly fee. As of 2026, membership fees are HSA-eligible, so you can pay with pre-tax dollars. Your high-deductible plan still covers what it's designed for — hospitals, specialists, emergency care, and prescriptions. Aspen Health covers everything in between, better.

Yes — all high-deductible health plans cover your annual preventive wellness visit at 100%, with no deductible. But that coverage applies to a specific set of ACA-defined preventive services only. The moment you mention a symptom, ask about a medication, or need a follow-up — that visit converts from "preventive" to "diagnostic" and your deductible kicks in immediately.

Most people with any ongoing health concern, chronic condition, or medication need will exceed what free preventive coverage includes within their first or second healthcare interaction of the year. Everything beyond that — follow-up visits, sick visits, lab work for symptoms, imaging, chronic disease management, and direct doctor access — comes fully out of pocket until your deductible is met. At $150–250 per sick or problem-focused visit at standard self-pay rates, that adds up quickly.

If you have out-of-network benefits, some services may be partially reimbursable. We can provide an itemized superbill for you to submit to your insurer directly. Reimbursement is not guaranteed and depends on your specific plan.

Aspen Health has opted out of Medicare and Medicaid billing. You are still welcome to join as a member regardless of your Medicare or Medicaid status — however, neither the practice nor you may bill Medicare or Medicaid for services provided here. Many Medicare and Medicaid members find the direct-pay model straightforward and valuable. We recommend confirming with your plan before enrolling if you have questions.

All memberships include:

• Unlimited visits (fair-use)
• Unlimited secure messaging (fair use)
• In-person and video visits
• Rapid in-office testing (COVID-19, flu, strep, urinalysis, glucose, iFOBT) — included at no extra charge
• Group education sessions
• Access to health coaching packages

Most routine lab work, imaging, medications, and prescriptions are referred to third-party providers and billed directly by them — not through your membership. A select number of specialized screening tests offered directly at Aspen Health (such as CIMT and similar advanced screenings) are billed separately at member rates. Discounted cash-pay imaging referrals are also available through our network partners.

Core ($100/mo) gives you full primary care access — unlimited visits, direct messaging, and group sessions.

Premium ($150/mo) adds 60-minute appointments, deeply discounted coaching (Jumpstart from $155, Transformation from $280), 25% off Aspen Health-affiliated advanced screening tests, EatLove meal planning included, and local partner discounts (coming soon).

See the full savings breakdown →

The Youth plan ($50/mo) covers members ages 6–20 and includes the same core benefits as the adult Core plan — unlimited visits, direct messaging, in-person and video visits, and access to health coaching.

A one-time onboarding fee of $300 ($100 for Youth) applies when you join any plan. It includes your initial comprehensive intake visit and practice setup. Your first month's membership fee and the onboarding fee are both charged at the time of enrollment.

Membership requires a minimum 6-month commitment. After 6 months, membership continues month-to-month and can be cancelled with 30 days' notice. Early cancellation within the initial 6 months requires payment of the remaining balance.

Yes — you can upgrade at any time by messaging the office. Your new rate takes effect at the start of your next billing cycle.

Message your doctor directly or raise it at a visit. After the initial 6-month commitment, 30 days' notice is required. If you rejoin after cancelling, a re-onboarding fee of $300 applies.

For urgent visits, appointments are generally available within 24 hours most days. Routine and follow-up visits are scheduled based on availability. Direct messaging often resolves simple questions without needing an appointment at all. For true emergencies, call 911 or go to the nearest emergency room.

All members can message their doctor directly through the secure patient portal. Messages are typically responded to the same day during business hours, and no later than 72 hours. Messaging is not monitored overnight or on weekends — for urgent after-hours concerns, go to an urgent care center or emergency room.

Yes — video visits are available for patients in New Jersey and select other states where our physicians are licensed. At least one in-person visit per year is strongly encouraged for the best care. Contact us to confirm availability in your state.

Aspen Health covers your primary care. For specialist referrals, hospital care, imaging, and procedures, you'll use your insurance as you normally would. We also have access to discounted cash-pay imaging and laboratory referrals for members who prefer that route. We'll help coordinate referrals and work with specialists on your behalf.

Aspen Health is not an emergency service. For life-threatening emergencies, call 911 or go to the nearest emergency room. For urgent but non-emergency after-hours concerns, go to an urgent care center. For non-urgent questions, message through the portal and your doctor will respond the next business day.

Aspen Health serves as your primary care home for a wide range of conditions, with a particular focus on lifestyle-responsive and chronic issues — including weight and metabolic health, gut health, thyroid and hormone balance, cardiometabolic and heart risk, autoimmune and inflammatory conditions, fatigue and energy, sleep, allergies, and mental health. We also provide comprehensive preventive care, wellness exams, and routine primary care for all members.

Treatment at Aspen Health starts with lifestyle — because for most people, that's where the greatest leverage is. Common approaches include dietary optimization, movement and exercise prescription, sleep optimization, stress management, nutraceuticals and supplements, sublingual immunotherapy (SLIT), osteopathic manipulative treatment (OMT), and prescription medications when clinically indicated. We take a root-cause, lifestyle medicine approach — addressing the drivers of illness rather than just managing symptoms.

Yes — prescription medications are available when clinically indicated. Our approach is to start with lifestyle interventions where appropriate, but we prescribe when needed and manage ongoing prescriptions for chronic conditions. Prescriptions are filled at your pharmacy of choice and billed directly by the pharmacy — not through your membership.

All members have optional access to a professional-grade supplement dispensary at a 25% member discount. It's there if it's useful to you — we don't sell supplements directly, and there's never any pressure to use it. You'll receive access details after joining.

Yes. Routine lab work is referred to certified third-party labs at your convenience and billed directly by them. Rapid in-office testing (COVID-19, flu A/B, strep, urinalysis, glucose, iFOBT) is included for all members at no extra charge.

A select number of specialized screening tests offered directly through Aspen Health — such as CIMT (carotid artery imaging for early heart risk) and similar advanced screenings — are billed separately at member rates, with a 25% discount for Premium members. Discounted cash-pay imaging and lab referrals are also available through our network partners.

SLIT is a form of allergy treatment where small doses of allergens are placed under the tongue to gradually reduce sensitivity — a convenient, at-home alternative to allergy shots. Aspen Health offers customized SLIT programs for seasonal and environmental allergies.

Yes — our health coach works with members through focused multi-session packages:

• Jumpstart — 3 months, 7 sessions ($630 Core / $155 Premium)
• Transformation — 6 months, 14 sessions ($1,120 Core / $280 Premium)

Single sessions are also available ($100 Core / $25 Premium). See how Premium pays for itself →

Aspen Health is located at 601 Ewing Street, Suite B17, Princeton, NJ 08540. Video visits are available for patients in New Jersey and select other licensed states — contact us to confirm availability in your state.

Select your plan on the Membership page and click the enroll button for your plan. You'll be taken to our secure enrollment portal to complete registration. Your first month's membership fee and the one-time onboarding fee of $300 are both charged at enrollment. Once enrolled, you'll receive instructions to schedule your initial intake appointment.

The patient portal is available as both a mobile app and via a web browser. Visit the Member Login page for links to both. From the portal you can message your doctor, request appointments, view your records, and manage your account.

Currently our Youth plan covers ages 6–20. Children under 6 are not currently enrolled. Contact us at info@aspen.health if you have questions about your specific situation.

Email us at info@aspen.health. No medical information needed — just your question.