HSA & Cash-Pay

How Much Does Direct Primary Care Cost in Lakeland, FL?

The short answer: Direct Primary Care (DPC) costs one flat monthly fee instead of a bill for every visit. At Cavea Health in Lakeland, membership starts at $125 per month for adults and $25 per month for anyone under 18. Families who join as Founding Members pay the Founding Family Membership Rate, capped at $300 per month no matter how many people you enroll.

What a year of membership costs

A single adult at $125 per month pays $1,500 per year. Two adults and two children add up to $300 per month ($125 + $125 + $25 + $25), or $3,600 per year. Add a third child and the total would be $325, but the Founding Family Membership Rate keeps it at $300. Larger families pay the same $300.

What the monthly fee includes

Membership covers ongoing primary care: office visits, sick visits, follow-ups, preventive checkups, chronic condition management, care coordination, and direct access to your care team by text or phone. Home visits are available when appropriate, depending on your location in Polk County and your medical need. There is no copay at the visit and no insurance claim afterward.

What to budget for separately

Membership is not insurance. It does not pay for hospital stays, emergency room visits, surgery, or specialist care. Most members pair it with a high-deductible or catastrophic health plan for those events. Your care team will tell you up front about any item that falls outside membership before you pay for it.

Can I pay with my HSA?

Starting in 2026, federal rules allow HSA funds to pay for DPC membership when the fee stays within $150 per month for one person or $300 per month for a family, and you keep a qualifying high-deductible plan. Cavea Health’s published rates are set within those limits. Confirm your situation with your tax advisor.

Locking in your rate

Founding Members who join before Cavea Health opens in February 2027 keep their monthly rate for as long as their membership stays active. Your membership agreement spells out the exact terms.