About CapstoneMD

CapstoneMD offers three membership-based primary care programs—PrimeCARE, PlusCARE, and TotalCARE—designed to complement traditional health insurance while simplifying access, improving convenience, and lowering out-of-pocket costs. These programs are not insurance, but work best alongside a major medical plan, often paired with HSA or FSA accounts.

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PrimeCARE – Prepaid Prevention & Wellness

Best for patients with high-deductible insurance who want predictable, low-cost preventive care.

Key benefits include:

• Annual consultation and health risk assessment
   

• Routine primary care visits (non-obstetric)
   

• Covered preventive labs, imaging, screenings, and immunizations (when performed in PrimeCARE offices)
   

• DEXA scans every 2–3 years (if appropriate)
   

• Nutrition, diabetes, exercise counseling
   

• Skin cancer screening and minor lesion removal (pathology not included)
   

• Urgent care for minor injuries
   

• Care coordination, specialist referrals, and after-hours physician access
   

• Personalized PrimeCARE card and online patient resources
   

Requires major medical insurance for care outside PrimeCARE offices.

PlusCARE – Full-Service Access Program

Ideal for patients who want enhanced access, convenience, and personalized coordination without prepaid clinical services.

Key benefits include:

• 24/7/365 access to your CapstoneMD physician or care team
   

• Same-day or next-day appointments (including weekends)
   

• Minimal waiting room time
   

• Phone, text, or email consultations at no extra charge
   

• Personalized coordination of insurance, HSA, and FSA benefits
   

• Priority referrals and hospitalization management
   

• Portable electronic medical record
   

• Optional house calls (fees may apply)
   

• PlusCARE identification card and online resources
   

TotalCARE – Complete Access + Clinical Care

The most comprehensive option, combining all PrimeCARE and PlusCARE benefits into a single fixed monthly membership.

Includes everything in PlusCARE, plus:

• All prepaid PrimeCARE clinical and preventive services
   

• Expanded preventive testing (including stress EKGs)
   

• Urgent in-office care for minor injuries
   

• Secure digital medical records and TotalCARE card
   

Designed to work especially well with high-deductible insurance and HSA plans.

In Summary

• PrimeCARE: Prepaid preventive and wellness care
   

• PlusCARE: 24/7 physician access and concierge-level coordination
   

• TotalCARE: All-inclusive access + prepaid clinical services
   

Each program offers simplicity, transparency, and a patient-centered alternative to traditional primary care—while still fitting seamlessly with major medical insurance coverage.