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Direct Primary Care and Insurance: A Better Way to Plan for Healthcare
Sina Medical Direct Primary Care + Atlas Direct
Receive personalized everyday care from Dr. Ali while exploring separate financial protection for eligible unexpected medical events.
If you are comparing direct primary care insurance options, it is important to understand that DPC and insurance serve different purposes. Sina Medical Direct Primary Care provides accessible, relationship-based medical care, while Atlas Direct fixed-indemnity insurance pays predetermined cash benefits for certain covered events.
A Balanced Strategy
Why Combine DPC With Separate Coverage?
Sina Medical Direct Primary Care helps manage your routine, preventive, and ongoing health needs. But what happens when you require hospital care, emergency treatment, or surgery?
Separate coverage, including an option like Atlas Direct, may help provide financial support for eligible medical events outside your DPC membership.
Together, they can create a more balanced healthcare strategy:
- Sina Medical provides accessible, relationship-based primary care
- Atlas Direct pays fixed cash benefits for eligible covered events
- You have support for both everyday care and unexpected medical needs
Fixed-Indemnity Coverage
How Atlas Direct Works
Atlas Direct is a limited-benefit fixed-indemnity insurance plan designed with Direct Primary Care patients in mind. Rather than paying the medical provider, Atlas Direct pays a predetermined cash benefit directly to the insured person for an approved covered event.
Fixed Cash Benefits
Covered events have predetermined benefit amounts.
No Traditional Networks
Benefits are not limited to a specific provider network.
Direct Payment
Approved benefits are paid directly to you.
No Traditional Deductibles or Copays
The policy does not work like conventional major-medical insurance.
Independent Benefits
Eligible benefits may be paid even when you have other insurance.
You remain responsible for paying the hospital or healthcare provider. The Atlas Direct benefit may be lower or higher than the actual medical bill.
Your Membership
What Sina Medical Membership Covers
Your Sina Medical membership focuses on personalized healthcare you may need throughout the year:
- Routine primary care and sick visits
- Preventive health planning
- Chronic condition management
- Medication management
- Women’s health and menopause care
- Weight and obesity medicine
- Lifestyle and metabolic health support
- Direct access to your physician
- Statewide telemedicine across Illinois
- Coordination with specialists and outside providers
Membership inclusions and separately priced services should be confirmed with the Sina Medical team.
Eligible Covered Events
What Atlas Direct May Cover
Depending on the selected policy and Schedule of Benefits, Atlas Direct may provide fixed benefits for:
Important Coverage Information
Before considering Atlas Direct, patients should understand:
- Coverage is limited to eligible individuals under age 65
- Coverage may not be available in every state
- Underwriting approval may be required
- Illnesses and medical procedures generally have a 30-day waiting period
- Childbirth generally has a 12-month waiting period
- Pre-existing-condition claims are generally excluded during the first 12 months
- Fixed benefits may not cover the complete cost of care
Atlas Direct may exclude primary care, prescription medications, basic laboratory testing and imaging, dental and vision care, infertility services, cosmetic procedures, and other services identified in the policy.
Always review the current policy, exclusions, and Schedule of Benefits before enrolling.
Meet Your Physician
Care Led by a Physician Who Knows You
Sina Medical Direct Primary Care is led by Dr. Ali, a triple board-certified physician in Internal Medicine, Obesity Medicine, and Lifestyle Medicine, with additional certification in menopause hormone therapy.
Dr. Ali provides personalized, unhurried care based on your medical history, current concerns, and long-term health goals.
Sina Medical offers in-person appointments in Frankfort, IL and secure telemedicine throughout Illinois.
Ready to Build a Better Healthcare Strategy?
Get personalized everyday care from Sina Medical and explore separate coverage for medical expenses outside your DPC membership.
Medical Disclaimer: Sina Medical DPC is not insurance. Atlas Direct is limited fixed-indemnity coverage and is not a replacement for comprehensive major-medical insurance.
FAQs
Frequently Asked Questions
Common questions about Direct Primary Care, Atlas Direct, and how the two fit together.
Is Direct Primary Care the same as health insurance?
No. Direct Primary Care is a membership-based healthcare model that gives patients direct access to primary care services. It does not pay for hospitalization, emergency care, major surgery, or every service delivered outside the practice.
Do I need insurance if I join Sina Medical?
Sina Medical does not require insurance for membership. However, patients should consider separate coverage for hospitalization, emergency care, surgery, specialist treatment, and other expenses outside the membership.
Can I keep my current insurance?
Yes. Patients may generally keep employer-sponsored, marketplace, Medicare, or other coverage while using Sina Medical for personalized primary care. Atlas Direct is only available to eligible individuals under age 65.
Does Sina Medical sell Atlas Direct insurance?
Sina Medical provides medical care and can educate patients about healthcare options. Atlas Direct enrollment, underwriting, premiums, claims, policy benefits, and coverage decisions are handled by Atlas Direct and its insurance partners.
Does Atlas Direct pay the hospital?
Atlas Direct states that approved fixed benefits are paid directly to the insured person rather than the healthcare provider. You remain responsible for paying the hospital or other provider.
Will an Atlas Direct benefit cover my complete medical bill?
Not necessarily. Atlas Direct pays the predetermined amount listed in its Schedule of Benefits. That amount may be lower or higher than the provider’s charges.
Are pre-existing conditions covered?
Atlas Direct states that claims related to pre-existing conditions are generally excluded during the first 12 months of coverage. Review the current policy for the full definition, requirements, and limitations.
Does Atlas Direct have waiting periods?
According to Atlas Direct, illnesses and medical procedures generally have a 30-day waiting period, while childbirth generally has a 12-month waiting period. Different rules may apply to accidental injuries.
Can patients over age 65 enroll in Atlas Direct?
Atlas Direct states that its coverage is not available to individuals age 65 or older. Medicare-eligible patients should consult a qualified Medicare or insurance professional about appropriate coverage.
Can Dr. Ali help coordinate outside care?
Yes. Dr. Ali can evaluate your condition, discuss the appropriate next steps, and help coordinate specialist, diagnostic, hospital, or other outside medical care when needed.
Can I use Sina Medical with employer-sponsored insurance?
Yes. Many patients keep their existing insurance and use Direct Primary Care for more accessible, consistent, and personalized routine care.
How do I know which coverage option is right for me?
Consider your medical history, prescriptions, family needs, expected healthcare use, existing insurance, and financial risk. Review official policy documents and consult a licensed insurance professional before making a coverage decision.
Important Insurance Disclosure
Sina Medical Direct Primary Care is not health insurance. Atlas Direct is limited-benefit fixed-indemnity insurance intended to supplement, not replace, comprehensive major-medical coverage.
Fixed benefit payments may not cover the complete cost of care. The insured remains responsible for all healthcare provider charges.
Coverage, eligibility, premiums, waiting periods, exclusions, underwriting requirements, and availability may vary. Review the current official policy documents and consult a licensed insurance professional before enrolling, changing coverage, or cancelling an existing insurance plan.
Healthcare as It Should Be — Personalized, Accessible, Affordable
Join Sina Medical Direct Primary Care and experience healthcare that's personal, preventive, and truly built around you — not the insurance system.