Direct Primary Care
Your doctor.
$0 premium.
No deductibles, no networks, no claims forms. Your physician is a steward who lives on your street — and the calculation that kept you avoiding the doctor simply does not exist here.
[Image: clinic interior — stone inner wall building, daylight, no waiting room anxiety]
Included visits
Primary, preventive, mental health — no per-visit fee, no annual cap.
$0 premium
Healthcare is included in the monthly fee. No separate insurance bill.
No deductibles
No amount you must hit before coverage starts. Coverage starts at signing.
Your doctor lives here
Physician LLCs — steward residents, not employees of a distant hospital system.
Open-source pharma
Drugs at manufacturing cost, federated across URBAL towns.
Catastrophic reserve
Cancer, surgery, organ failure — a community reserve fund accumulates from day one.
Why it works
Your doctor works for you. Not an insurer. Not a hospital system.
Physician LLCs owned by resident stewards. Primary and preventive care included in your monthly fee.
$0 premium
Direct Primary Care included in your monthly fee — no deductible, no network, no per-visit fee.
No insurer
No entity whose profit depends on denying your claim. Every dollar has a named escrow.
Catastrophic reserve
The tail risk that bankrupts households outside is covered here — a community reserve fund accumulating from day one, no lifetime caps.
Take a closer look
Every service included. Every detail.
Included visits
Included visits
Primary and preventive care. No annual cap.
Primary care visits are included in the monthly fee. No per-visit charge, no deductible threshold, no annual limit. Mental health is included at 12 visits per year. Dental includes 2 cleanings and basic care annually. Vision includes an annual exam and prescription correction. You go when you need to.
Preventive care
Annual physicals, bloodwork, screenings — no billing.
All preventive care — annual physicals, bloodwork, cancer screenings, immunizations — is covered with no separate billing event. The DPC model makes prevention economically rational for the physician: a steward who never gets sick costs the clinic nothing. The incentives are aligned.
Mental health
12 visits per year. Included.
Mental health visits are included at 12 per year, with no separate deductible and no network requirement. Your therapist or counselor is a steward resident — the same person you'll see at the Spice Tray café. The stigma of cost that keeps people from going is gone.
Specialist referral
Referred inside the fee. No bill reaches you.
A referral to a specialist is handled the same way as everything else clinical: the town negotiates the contract and settles the billing directly. Nothing about the referral generates an invoice for you, and there is no claim to file, no deductible to clear and no network to check first. Your physician on the Inner Wall decides you need a specialist, and that is the end of your involvement in the money side of it.
Out-of-town ER
Negotiated and paid by the town.
If you need emergency care outside the town — an accident while traveling, a sudden event away from home — the town's emergency care escrow negotiates and pays the bill directly. No surprise invoice arrives months later. The out-of-network line funds it.
Open-source pharma
Drugs at manufacturing cost across all URBAL towns.
Federated R&D across the URBAL network produces generic drugs at manufacturing cost — eliminating the markup that makes prescription management a financial burden for most households. Your pharmacy is built into the inner wall clinic building. No errand. The drug you need costs what it costs to make.
Your move