Is Direct Primary Care insurance?
No. A Direct Primary Care membership is a different way to pay for comprehensive primary care services and allows for relaxed extended visits in a relationship-based practice rather than a production-based practice. 75% of healthcare is routine primary care that can be covered by a physician such as Dr. Glover, a board certified specialist in family medicine. She tries to pack as much value into your membership as possible. Please reference the included services on the Direct Primary Care Services page.
Now you can afford to meet and talk to your family doc about wellness topics whenever you want to, about prevention, about chronic conditions, about how you are feeling, about weight loss, about sickness, etc. AND, if you happen to need a minor procedure from Dr. Glover such as a mole removal, joint injection, pap smear, IUD insertion, EKG or stitches, those kinds of procedures fees are included in your plan. Because we don't take insurance for our included services, Direct Primary Care clinics have much lower staffing and overhead. Those savings are passed on directly to our patients.
Patients in Direct Primary Care clinics often see their physician six times the first year for wellness and sick care (mostly wellness care) because they are no longer constrained by a system that is expensive, inaccessible, and dictated by a third party. In Direct Primary Care, you are the customer, not your insurance company.
Now you can afford to meet and talk to your family doc about wellness topics whenever you want to, about prevention, about chronic conditions, about how you are feeling, about weight loss, about sickness, etc. AND, if you happen to need a minor procedure from Dr. Glover such as a mole removal, joint injection, pap smear, IUD insertion, EKG or stitches, those kinds of procedures fees are included in your plan. Because we don't take insurance for our included services, Direct Primary Care clinics have much lower staffing and overhead. Those savings are passed on directly to our patients.
Patients in Direct Primary Care clinics often see their physician six times the first year for wellness and sick care (mostly wellness care) because they are no longer constrained by a system that is expensive, inaccessible, and dictated by a third party. In Direct Primary Care, you are the customer, not your insurance company.
Should I also carry high deductible or catastrophic insurance?
Dr. Glover does recommend having at least high deductible insurance or a health share for costly catastrophic events like hospitalizations, ER visits, operations, cancer, and heart attacks. 25% of healthcare fits into that category. In Dr. Glover's opinion, that is what insurance is for. In her opinion, insurance should NOT be used for primary care. Wellness care, sick care, and minor procedures like stitches become surprisingly inexpensive and simple (for both the patient and the doctor) when insurance is taken out of the equation. 75% of healthcare fits into the category of primary care and can be covered by a physician like Dr. Glover under a Direct Primary Care (DPC) plan where you will save 50-95% on most services.
Does Glover Family Medicine (GFM) see uninsured individuals?
Absolutely. Although Dr. Glover recommends that everyone have at least high deductible insurance OR health cost-sharing coverage, GFM does not turn anyone away due to lack of insurance. GFM does its best to make comprehensive primary care affordable for those with OR without insurance. GFM will pack as much value into your membership as possible, our Direct Primary Care memberships include as many services as possible in your plan and get you discounts on labs, imaging studies, and some medications ranging from 50-95% off usual prices.
I have great insurance that i want to use. Will I be able to use my insurance for things that my Glover Family Medicine (GFM) physician orders on my behalf?
Yes. We can use the majority of insurance plans** to cover services that we order on your behalf, such as medications, labs, radiology studies and specialty referrals. For those who do not have great insurance, Dr. Glover has negotiated amazing discount rates on labs, many medications and most imaging studies, often up to 50-95% off usual prices. The availability of eConsults with specialists is also an included service with your membership. Dr. Glover does not take insurance for GFM's services such as office visits, wellness visits, sick visits, in-office procedures, phone visits, virtual visits, or after hours texts/calls. These services are all covered in the very affordable monthly membership plan. The reason GFM is able to be so affordable and allow for unlimited extended visits is because we don't take insurance.
**Note: There are a few HMO type plans (e.g. Tricare Prime, some Kaiser plans, and other plans with "HMO" in the plan title). HMO's usually require you to keep a primary care physician within their own network. GFM is not in any HMO networks. Such HMO patients can be seen at GFM through the membership plan and have access to all the Direct Primary Care services as listed, but they would still need to maintain a primary care physician within their own network for specialty referrals, etc. HMO's tend to only accept referrals from within their network.
**Note: There are a few HMO type plans (e.g. Tricare Prime, some Kaiser plans, and other plans with "HMO" in the plan title). HMO's usually require you to keep a primary care physician within their own network. GFM is not in any HMO networks. Such HMO patients can be seen at GFM through the membership plan and have access to all the Direct Primary Care services as listed, but they would still need to maintain a primary care physician within their own network for specialty referrals, etc. HMO's tend to only accept referrals from within their network.
I can't afford even high deductible insurance. Are there other options for me?
Being a member of a health sharing community is a great pairing with Direct Primary Care (DPC) for some individuals, families or for portions of some families. The Direct Primary Care (DPC) membership provides comprehensive primary care and the health share community helps cover large medical needs such as costly specialty care or catastrophic needs. Monthly health share contributions are usually significantly less than monthly health insurance premiums. In fact, the monthly Direct Primary Care (DPC) membership fee PLUS the monthly health share contribution added together are usually significantly less than monthly health insurance premiums. Members of health shares commit to living a healthy lifestyle. Some health shares such as Sedera or Zion Health do not require acceptance of a shared statement of religious beliefs. Sedera has options for individuals/families AND for employers as do some other health shares. Members of other health shares may accept a basic statement of shared religious or moral beliefs. If this less expensive health sharing sounds right for you and your family, some other Christian health shares include: Medi-Share, Samaritan, and Christian Healthcare Ministries, and Liberty HealthShare. United Refuah is a Jewish health share option.
How can physicians at Glover Family Medicine (GFM) spend so much time with patients?
Dr. Glover plans to keep GFM patient panels to less than one-third the number that a family physician who is employed by a hospital-owned clinic is expected to cover. GFM's patients will always have great access. The average panel size for primary care physicians in the U.S. is 1500-1900 patients. GFM plans to keep panels to less than one-third of that.
Is glover family medicine taking new patients?
We take new DPC patients whenever Dr. Glover's panel gets below 500. We also are taking new patients for EXOMIND TMS. We are taking new BHRT patients as well.
Does Dr. Glover DO Menopause care, hormone replacement therapy, and low testosterone care?
Yes, Dr. Glover does Hormone Replacement Therapy (HRT) for her Direct Primary Care members, both women and men. Depending on the situation and appropriateness, she generally utilizes transdermal patches, oral capsules, topical creams, EvexiPEL pellet implants, subcutaneous injections, transdermal gels, or dissolving troches. She uses bioidentical hormone replacement therapy (BHRT) most of the time.
Does Glover Family Medicine (GFM) offer advanced cardiovascular disease (CVD) screening tools or an executive physical?
For an extra fee, we can order Carotid Intima-Media Thickness "CIMT" ultrasound testing ($125) and Cleveland HeartLab CardioIQ advanced lipid testing with or without inflammation markers (approx $110-160). This testing can be ordered once or at recommended intervals that are individualized for your risk factors. GFM generally offers this testing to patients who are aged 40 and up. This testing can be used both for initial risk stratification and for monitoring of cardiovascular disease (CVD) risk factors. In appropriate individuals, coronary CT for calcium scoring (HeartScreen) can also be ordered when needed. CIMT and Calcium Scoring (HeartScreen) are not indicated for all individuals.
is direct primary care recognized by the affordable care act (ACA)?
The ACA has always recognized Direct Primary Care (DPC). Luckily there is no more tax penalty for ANYONE since 2019!
Can I use my hsa or HRA to pay for my direct primary care membership? YES!
The One Big Beautiful Bill Act (OBBB) contains key Direct Primary Care (DPC) provisions, primarily allowing HSA funds to be used for DPC fees up to $150/month per individual and up to $300/month per family for 2026. This rate is indexed for inflation annually thereafter. The OBBB makes DPC a qualified medical expense.
Do you provide routine pediatric and adult immunizations in your clinic?
We carry adult vaccines and the immunizations recommended for children ages 7-18. We also carry some flu shots each season for ages 6 months to adult. We usually carry some adult COVID-19 vaccine in season. Immunizations are the one thing inside of our clinic that can be billed to your insurance (billed by our VaxCare partner who manages our vaccine inventory). For children ages 0-6, we will arrange these for you through the El Paso County Public Health department. Local retail pharmacies are also an option for children starting at 7-10 years old (age depends on the pharmacy) and continuing through adulthood. Your county's Public Health department is an option for individuals from birth through adulthood. The El Paso County Public Health department is located at three locations in Colorado Springs. Their immunization department can be reached by calling (719) 578-3199 and selecting option 5. The health department accepts insurance and also accepts government program coverage such as Medicaid and Medicare. If insurance will not cover the cost of your vaccinations, the health department can also discuss highly discounted or waived vaccination costs. Local retail pharmacies accept many insurances and Medicare as well.
What is the minimum membership and is there a penalty for cancellation?
The minimum membership is one full month. We think you will love this model! However, if it is not for you, then you may dis-enroll at any time after that without penalty.
I would like to enroll my children without an adult. what would their membership fees be?
For children signed up WITH at least one full-paying, adult family member, the membership fee is $30 per month per child. For children signed up WITHOUT an adult family member, the first child's membership fee would be equivalent to the young adult rate of $89 per month and the membership fee for all other children in the family would be $30 per month.
What are examples of services performed and conditions treated at Glover Family Medicine (GFM)?
Examples of Comprehensive Primary Care Services Performed: Wellness care, sick care, gynecology services, pediatric care to include care of infants, children, and adolescents, women's health, men's health, minor procedures, mental health, sports medicine, birth control services, chronic disease management, acute care, injury care.
Examples of Conditions Evaluated/Treated/Managed: Acne, Abdominal pain, Allergies, Anemia, Anxiety, Arthritis, Asthma, Atypical Moles, Need for Birth Control, Cancer screening, Depression, Diabetes, Ear infections, Emphysema, Erectile Dysfunction, Flu, Fractures (broken bones), Head and Chest Colds, Headaches, Heart Disease, Heel pain, High Cholesterol, Hypertension, HIV, Infectious Diseases, Injuries, IUD's, Joint Pain, Menopausal Transition Symptoms, Obesity and Unhealthy Weight (weight management), Pink Eye, Pneumonia, Rashes, Rectal Disorders, Sexual Health, Sexually Transmitted Diseases/Infections (STDs/STIs), Skin Infections, Smoking Cessation, Sore Throats, Sports/Camp Clearances, Sprains/Strains, Thyroid Disorders, Vaginitis, , Wellness Exams/Physical Exams.
Examples of Conditions Evaluated/Treated/Managed: Acne, Abdominal pain, Allergies, Anemia, Anxiety, Arthritis, Asthma, Atypical Moles, Need for Birth Control, Cancer screening, Depression, Diabetes, Ear infections, Emphysema, Erectile Dysfunction, Flu, Fractures (broken bones), Head and Chest Colds, Headaches, Heart Disease, Heel pain, High Cholesterol, Hypertension, HIV, Infectious Diseases, Injuries, IUD's, Joint Pain, Menopausal Transition Symptoms, Obesity and Unhealthy Weight (weight management), Pink Eye, Pneumonia, Rashes, Rectal Disorders, Sexual Health, Sexually Transmitted Diseases/Infections (STDs/STIs), Skin Infections, Smoking Cessation, Sore Throats, Sports/Camp Clearances, Sprains/Strains, Thyroid Disorders, Vaginitis, , Wellness Exams/Physical Exams.
What are examples of procedures performed at Glover Family Medicine (GFM)?
Examples of Procedures performed: Incision and Drainage of an Abscess (aka "boil"), Destruction of Precancerous Skin Lesions (Cryotherapy), Electrocardiograms (EKGs), Implantable Birth Control (Nexplanon) Insertion and Removal, Intrauterine Device (IUD) Placement and Removal, Joint Injections (e.g. Shoulder, Knee), Mole Removals, Skin Biopsies, Suturing (aka "Stitches"), Urinalysis, Wart Removal, Rapid strep testing, Rapid flu testing, Vaginitis Testing, Spirometry, EvexiPEL Hormone Pellets (pelleting for an added fee)
Which lab does Glover Family Medicine (GFM) use?
We can do most of our own blood draws and use Quest Diagnostics for our lab most of the time and LabCorp some of the time. Quest has several draw sites around Colorado Springs and surrounding communities. LabCorp also has several draw sites nearby. We get our very best prices through our special quotes from Quest and LabCorp. If you have another lab that you prefer, we are happy to send your lab order to any lab company that you choose. Quest and LabCorp also do pick-ups at our location. Our pathology (ex: mole removal specimens) and cytology (ex: pap smear vials) are usually sent out to Colorado Springs Pathology or LabCorp and we have negotiated excellent prices as well.
are the physicians and staff at glover family medicine comfortable caring for lgbtq individuals and couples?
Absolutely!
What are these health cooperatives and concierge practices that people keep talking about on PODCASTS, radio SHOWS, and tv shows?
Mark Cuban, Sean Hannity and many other CEOs, TV/Radio personalities, and podcasters are advocates of Direct Primary Care (DPC). DPC is the payment and care model at Glover Family Medicine. It is a NON-PARTISAN concept embraced by the left, the right, moderates, and the non-political as an innovative and affordable model. Sean Hannity has interviewed Dr. Josh Umbehr several times about the DPC model between 2012 and the present. Dr. Umbehr founded Atlas MD, a Direct Primary Care clinic in Wichita, KS.
Which birth control methods can be prescribed and/or inserted/removed at Glover Family MEdicine (GFM)?
Dr. Glover is comfortable prescribing birth control pills, Depo-Provera shots, inserting Mirena IUDs, Kyleena IUDs, Skyla IUDs, non-hormonal Paragard IUDs, and Nexplanon birth control implants.
how is it possible to be so affordable?
Though Glover Family Medicine (GFM) is happy to use your insurance on your behalf for outside services, we don't use insurance to cover our physician services. This allows GFM to keep a much smaller staff. A smaller staff means significantly reduced overhead and savings that are passed directly to you. Because we doesn't take insurance, we are not constrained by any insurance company's rules about how many issues we address in one visit, about the types of issues we are allowed to address at one visit, about the time a visit "should" take, or about how many visits it will take to help you be well, focus on prevention, manage chronic conditions, or take care of your acute illnesses and injuries.
Does Glover Family Medicine (GFM) take medicare?
Dr. Glover is enrolled only as an Ordering, Certifying, and Referring physician with Medicare. She otherwise chose to "opt-out" of Medicare and she "deactivated" her own ability to bill Medicare. She does not want any reimbursement from the government. Being an Ordering, Certifying and Referring physician means that you the patient CAN use your Medicare benefit for outside services ordered by Dr. Glover such as for medication orders, lab orders, imaging orders and referral/consultation orders that she places for you. However, Dr. Glover does not accept Medicare for the month-to-month membership which covers physician services within her own practice. Medicare beneficiaries who sign up for Direct Primary Care in Dr. Glover's practice much formally agree that they will not submit the invoice for the month-to-month membership fee to Medicare. Medicare beneficiaries will be asked to sign the Medicare Beneficiary Notice of Non-Covered Services that can be previewed here in addition to the DPC Patient Agreement here.
Who is eligible for EXOMIND TMS at Glover Family MEDICINE?
EXOMIND TMS treatment is a separate service line. Dr. Glover is happy to evaluate anyone ages 15 and up for EXOMIND TMS treatment and to prescribe it if there are no contraindications. You don't need to be a member of her Direct Primary Care to purchase this service.
Can OUTSIDE patients receive EXOMIND TMS at Glover Family Medicine? YEs!
Our EXOMIND TMS wellness program—focused on mental wellness, brain health, and cognitive optimization—is open to both Glover Family Medicine DPC members and non-members.
You do not need to be a Glover Family Medicine DPC member to participate in our EXOMIND TMS wellness program. DPC membership is not required to access this service. Anyone may call the clinic for an EXOMIND Intake appointment.
You do not need to be a Glover Family Medicine DPC member to participate in our EXOMIND TMS wellness program. DPC membership is not required to access this service. Anyone may call the clinic for an EXOMIND Intake appointment.
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P: 719-344-2789
F: 719-362-1102 |
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