Age Group
Monthly Fee
Annual (Prepaid) Discount
Includes
Adults (18–64 years)
$85/month
$925/year (save $95)
All Guardian Membership Perks & Benefits (see below).
Seniors (65+ years)
$70/month
$760/year (save $80)
All Guardian Membership Perks & Benefits (see below).We proudly offer our senior discount to help keep your health and budget strong.
Children (0–17 years)
$40/month
$430/year (save $50)
All Guardian Membership Perks & Benefits (see below). Must have one parent or guardian enrolled. Includes annual and sports physicals.
Virtual-Only Access
$40/month
$430/year (save $50)
For those who prefer virtual visits only — includes telehealth consultations, chronic care management, acute visits, and prescription refills.
Membership Type
Monthly Fee
Annual (Prepaid) Disount
Couple (2 Adults)
$150/month
$1,620/year (save $180)
Family (2 Adults + up to 2 Children)
$210/month
$2,250/year (save $270)
Each Additional Child
+$30/month
+$320/year
Type
Fee
Initial Enrollment (one-time)
$25 per member (Waived with a licensed Provider Referral)
Re-enrollment (after cancellation)
$200 per member
The Guardian Direct Membership
Affordable. Accessible. Transparent.
At Guardian Primary Care, we believe healthcare should be simple, personal, and stress-free.
Our Guardian Direct Membership offers everything you need to stay healthy — with no hidden fees, no surprise bills, and no barriers to care.
Guardian Benefits & Perks
One simple monthly payment — no insurance hassles, no hidden costs.
Plans starting as low as $40/month
$25 enrollment fee waived with a licensed provider referral
What’s Included
- Unlimited office visits — come as often as you need, when you need
- Same- or next-day sick visits for when life happens
- Direct text, email, or portal access to your provider & medical records
- Annual wellness & sports physicals included
- Chronic disease management for conditions like diabetes, hypertension, asthma, and more
- Basic in-office procedures (I&D, cryotherapy, wound care, abscess drainage, skin lesion removal, etc.)
- Medication management & refills made easy
- Access to our robust specialist network for coordinated, seamless care
- Preventive screenings & labs at deeply discounted cash prices
- Virtual visits for convenience when you can’t make it in
- Personalized care planning — because your health journey is unique
- Family-friendly options to keep care affordable for everyone in your home
Why Our Members Love It
- Transparent, up-front pricing
- No hidden fees
- Continuity of care with the same trusted provider
- Real relationships — not rushed visits
- A membership built around your health
Membership vs. Self-Pay Benefits
- Unlimited visits and direct provider access.
- Preventive care, chronic disease management, and minor procedures included.
- Substantial savings compared to paying per visit or procedure:
Example – adult age 30–64:
- 4 office visits (99213 @ $175) → $700
- Annual physical (99384) → $225
- Labs (A1c, UA, EKG) → $260
- Minor procedure (12002) → $500
Total Self-Pay: $1,685
Guardian Direct Membership: $85/month → $1,020/year
Annual savings: ~$665
Additional Benefits
- Over 80–90% of healthcare needs are managed in primary care — your membership covers the bulk of care.
- Specialist referrals are coordinated seamlessly through our trusted network.
- Significant Medication & supply savings: Programs with savings up to 90%.
- Transparent pricing: No hidden fees, no surprises.
- Insurance navigation support: Decided membership isn't right for you? We help patients maximize their coverage and select the right plans while staying fully compliant with insurance contracts.
Sources / References
- Centers for Medicare & Medicaid Services (CMS) Physician Fee Schedule – CMS PFS
- Missouri Medicaid Fee Schedules – WPSGHA+1, CMS – Missouri Medicaid Fee Schedule
- American Academy of Family Physicians (AAFP) – Primary Care Impact on Cost and Outcomes, 2020
- Centers for Disease Control and Prevention (CDC) – Primary Care and Population Health Data
In-Network
On List of Patient Requested Insurances
On List of Patient Requested Insurances
Accepted Payments
- Cash ✅
- Debit/Credit Card ✅
- Online/Electronic (Via Patient Portal) ✅
- Stripe Payment Platform ✅
- Checks ✅
We do offer financial assistance & payment plans to those in need. You can find more information on how to apply at the bottom of the page under "Financial Hardship Application".
When a healthcare provider is "in-network" with a patient's insurance, it means the provider has a contract with the insurance company to offer services at pre-agreed rates. This usually results in lower costs for the patient, such as lower copays, coinsurance, and deductibles. Being in-network helps patients save money compared to visiting an "out-of-network" provider, who does not have a contract with the insurance and may charge higher fees.
Vetting Process for Providers to Become In-Network:
To become in-network, a provider undergoes a process called credentialing. This involves the insurance company reviewing the provider's qualifications to ensure they meet the company’s standards for delivering care. The vetting process typically includes:
- Education and Training Verification: Ensuring the provider has completed the necessary medical education, licensing, and certifications.
- Work History Review: Checking the provider’s experience and professional background.
- Malpractice and Disciplinary Records Check: Reviewing records to confirm the provider has a good standing and no significant legal or professional issues.
- Contract Agreement: Once approved, the provider signs a contract agreeing to the insurance company’s rates and rules for reimbursement.
This process ensures that in-network providers meet quality and safety standards, giving patients peace of mind about their care.
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