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Guardian Primary Care
A patient checking in with a member of staff at a clinic reception desk

Care Access

Accessible. High quality. Transparent. Use your insurance, or choose Guardian Direct Care. Either way, you will know what to expect.

Using your insurance

We Are In-Network With Most Major Commercial Insurances, Medicare and Medicaid

You can be seen using the coverage you already have. We file the claim for you, and you are responsible for the co-pay, coinsurance or deductible your plan sets.

Insurance networks change, so the surest way to know is to ask. Call us with the details on your card and we will verify your benefits before your first visit.

Verify My Coverage: (573) 200-6143
Insurance card and paperwork being reviewed at a primary care front desk

Plans We Work With

Medicare
Medicaid
Blue Cross Blue Shield
Aetna
Humana
Oscar Health
Mutual of Omaha
Centene
HealthLink

This is not a complete list. If you do not see your plan here, call us at (573) 200-6143 and we will check it for you.

A patient counting the cost of care, illustrating transparent monthly pricing

Prefer direct care? No problem.

Guardian Direct Care

Guardian Direct Care offers predictable pricing, easy access, and care from a provider who knows you, without hidden fees or surprise bills.

It is an alternative to filing insurance for your primary care, not a replacement for your health plan, and it is entirely your choice. Plans start as low as $40 a month.

Membership Pricing

Who it coversMonthlyAnnual (prepaid)
Adults (18 to 64)$85 / month$925 / yearSave $95
Seniors (65+)$70 / month$760 / yearSave $80
Children (0 to 17)$40 / month$430 / yearSave $50
Couple (2 adults)$150 / month$1,620 / yearSave $180
Family (2 adults, up to 2 children)$210 / month$2,250 / yearSave $270
Each additional child+$30 / month+$320 / year

Enrollment

A one time $25 enrollment fee per member, waived when you are referred by a licensed provider. Re-enrollment after a cancellation is $200 per member.

Children's plans

A child's plan requires a parent or guardian to be enrolled, and it includes annual and sports physicals.

Ways to pay

HSA and FSA accepted. CareCredit accepted. Prefer to pay per visit? Fair, upfront fee-for-service pricing is available on request.

What Membership Includes

  • Office visits whenever you need care, with no visit limits
  • Same day or next day sick visits
  • Direct access to your provider and your medical records
  • Annual wellness visits and sports physicals
  • Ongoing care for chronic conditions like diabetes, high blood pressure and asthma
  • Basic in-office procedures: wound care, abscess drainage, cryotherapy and skin lesion removal

Guardian Direct Care is a membership for primary care services. It is not health insurance and it does not cover hospital stays, specialist care, imaging or prescription drug costs.

For Employers and Businesses

Offer your team real primary care with a flat monthly fee per employee, plus a 10% discount for contracted businesses. Annual plans carry a 10% discount as well.

Predictable Costs

A flat monthly fee per employee, plus a 10% discount for contracted businesses.

Healthier Employees

An emphasis on prevention and on managing chronic conditions before they become costly.

Fast, Easy Access

Accessible care, comprehensive visits and telehealth included.

A Better Employee Experience

Personalized care with optional wellness programs, screenings and more.

Talk with us about a plan for your team: (573) 200-6143

Care Access Questions

Do you take my insurance?
Guardian Primary Care is in-network with most major commercial insurances, Medicare and Medicaid. Plans and networks change often, so call us at (573) 200-6143 with the information on your card and we will check your coverage before your visit.
Do I have to join Guardian Direct Care to be seen?
No. Guardian Direct Care is a choice, not a requirement. You can be seen using the insurance you already have. Direct Care is there for people who want predictable monthly pricing and direct access to their provider, whether they have insurance or not.
Can I use Guardian Direct Care along with my insurance?
Many members keep an insurance plan for hospital care, specialists, imaging and prescriptions, and use Guardian Direct Care for their everyday primary care. Guardian Direct Care is not insurance and does not replace it. We are glad to talk through what makes sense for your situation.
How do I pay?
We accept HSA and FSA cards, and we accept CareCredit. If you are using insurance, your plan sets the co-pay, coinsurance or deductible you owe, and our team will tell you what to expect before your visit. If you would rather pay per visit, fair, upfront fee-for-service pricing is available on request.
What does enrollment cost?
There is a one time enrollment fee of $25 per member, and it is waived when you are referred by a licensed provider. If a membership is cancelled and you would like to come back later, re-enrollment is $200 per member.
What is an Explanation of Benefits?
An Explanation of Benefits, or EOB, is a statement from your insurance company showing how it processed a claim and what portion may be left to you. It is not a bill. If anything on it is unclear, call the office and we will help you read it.

Not Sure Which Option Fits?

Tell us about your coverage and what you need, and our team will walk you through both paths. There is no pressure either way.

Call (573) 200-6143Send Us a Message