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.
[Image: physician and patient — no paperwork, no clipboard, direct conversation]
Direct Primary Care
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. No deductible, no network, no per-visit fee.
[Image: insurance paperwork — crossed out, replaced by a single monthly fee number]
No Insurance
No premium. No network. No entity whose profit depends on denying your claim.
Healthcare is a line item in your monthly fee. No insurer touches it. Every dollar has a named escrow.
[Image: reserve fund — accumulating community balance, long-term care coverage]
Catastrophic Reserve
The tail risk that bankrupts households outside. Covered here.
$0.100/sqft per month accumulates into a catastrophic reserve from day one. No lifetime caps. No prior authorization.
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
$15 copay only. Town handles the rest.
The only cost you ever pay out-of-pocket is a $15 copay for a specialist referral — a design decision to signal appropriate use of specialty care without creating a barrier to it. The town negotiates specialist contracts and handles billing. You hand over $15 and go.
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 escrow is funded by $0.050/sqft per month, $60/month for a 2BR.
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