How to Save Money and Get Real Healthcare in 2026
Executive summary
Starting in 2026, more Nevadans are eligible buy catastrophic Marketplace health insurance plans (no longer just <30yo or hardship).
Pairing Catastrophic + DPC gives you major-medical protection plus unlimited, relationship-based primary care. Meanwhile, HDHP (HSA-eligible) + DPC remains a strong option for those who want tax-advantaged saving and broader pre-deductible rules than catastrophic in some designs. Your choice should consider health status, risk tolerance, network access, and budget. CMS, HHS.
New federal changes (effective 2026) also make DPC compatible with HSAs and treat DPC fees as HSA-qualified medical expenses. KFF (HSA tracking).
Bottom line for Las Vegas patients & employers: Catastrophic/HDHP + DPC can cut costs, improve access, and reduce surprise bills — if you understand the rules.
If you’re comparing Las Vegas health insurance in 2026, two affordable options stand out: HDHPs and Catastrophic plans. Then add Direct Primary Care (DPC) at Long Life Med for personalized and extended access to primary and urgent care.
HDHPs in Las Vegas: What You Need to Know?
HDHPs are High-Deductible Health Plans (often Bronze HSA) that let you contribute to an HSA.
Typical Nevada Bronze/HSA SBCs show: primary care/specialist visits apply to the deductible, then 0% coinsurance (some HDHPs allow a fixed copay for non-preventive PCP after deductible).
Examples: Sierra Health & Life HSA Bronze 3.1 (EPO) SBC and Anthem Bronze Pathway X HMO for HSA SBCs. SHL HSA Bronze SBC, Anthem Bronze Pathway X HMO HSA SBC.
Real-world HDHP costs in NV (illustrative ranges from SBCs & carrier materials):
- Primary care (problem-focused): commonly applied to deductible, then 0%; out-of-pocket per visit until deductible is met can be $100–$300 once labs/procedures are added. SHL HSA SBC, HPN NV Bronze SBC.
- Specialist visits (after deductible or with plan copays if any): $150–$400 typical patient liability per encounter before meeting deductible; varies by network and procedures ordered. HPN SBC.
- Imaging: X-ray $50–$150 which are equivalent to cash pay rates; CT/MRI often $300–$1,200+ cash or applied to deductible in-network. (SBCs show “deductible then 0%”; local cash partners available via clinic).
- Urgent care copays/fees: $50–$500 depending on plan level and services (complex visits add imaging/injections). HPN SBC.
- ER penalty notes: Many plans assess extra ER copays or full facility charges to deductible; some carriers penalize non-emergent ER use ($500–$1,000) on top of facility/physician fees — check your SBC. Anthem NV plan pages, SHL plan brochure
Catastrophic Health Plans in Las Vegas: What They Cover — and how it differs from HDHP
- Catastrophic plans cover Essential Health Benefits (EHBs) and preventive care, and by federal rule include at least 3 primary-care visits before the deductible (carrier SBCs show how they implement this).
Nevada examples: Anthem Catastrophic Pathway X HMO 9200 shows “$40 copay for first 3 PCP, then no charge after deductible”; SHL/HPN catastrophic SBCs show “you pay all costs up to deductible; then plan pays 100%” (and may list the first-3 PCP rule within SBC footers/plan documents). Anthem Catastrophic on eHealth, HPN Catastrophic SBC, SHL Catastrophic SBC, Healthcare.gov overview. - 2026 update: Catastrophic eligibility expands (no longer mostly under-30/hardship). CMS, HHS.
⚠️Important nuance about $0 preventive vs problem visits
Preventive is $0 when coded preventive.
If you present with a problem (cough/fever, back pain, pain complaints, hormonal issues, etc.), the visit is problem-focused and not preventive — cost sharing applies.
How high can copays go? On Nevada catastrophic, the first 3 PCP visits may be $0–$60 (varies by plan, e.g., Anthem $40), then everything is deductible/0%. On HDHPs, non-preventive PCP often hits the deductible immediately. [Healthcare.gov Preventive], [Anthem Catastrophic eHealth], [HPN Catastrophic SBC].
💡 Did you know?
Two basic urgent-care visits or a problem-focused primary care visit can already cover ~3 months of DPC plus several tests/meds through our wholesale partners.
One ER visit for stitches can cost more than two years of DPC membership.
How DPC at Long Life Med complements Catastrophic & HDHP plans for affordable healthcare in Las Vegas
With a Direct Primary Care membership in Las Vegas (starts at $100/month or $1,000/year prepaid) you get:
- Unlimited Same-Day/Next-Day primary-care visits, extended time, text/email access, and proactive care coordination.
- Included when medically necessary: in-clinic antibiotics; common rapid tests (strep, COVID, flu, blood glucose, urinalysis, mono, fecal occult blood, BV); plus wholesale pricing on other labs, imaging, and in-house pharmacy-dispensed meds.
- Functional & Longevity orientation (on higher-tier plans): root-cause medicine, prevention, optimized for longevity, metabolic/hormonal optimization, specialized testing including genetic tests, and care that listens & educates (on all DPC plans).
- We do not bill insurance for DPC services (DPC ≠ concierge). Concierge often requires PPO and still bills insurance in addition to a retainer; DPC typically does not bill insurance at all (memberships cover primary/urgent care). AAFP “DPC vs Concierge”, AAFP policy.
- The money you save from getting a Catastrophic or HDHP can go towards pre-tax HSA dollars that can be used to pay your DPC membership (up to $150/month/person or $300/month/family) and other HSA-covered expenses like copays or cash pay for labs, imaging, meds, physical therapy, and sometimes even supplements, gym memberships and massages
Las Vegas health insurance premium estimates (illustrative)
Anchored to Nevada Sierra Health & Life 2024 rates (Catastrophic EPO age-30 = $175.64/mo; Bronze HSA EPO age-30 = $200.73/mo) and scaled via the federal age curve. Actual 2026 rates will vary by carrier, subsidy, and smoker status. Use Nevada Health Link to compare carriers & networks. Nevada Health Link.
| Age | Catastrophic (est.) | HDHP / Bronze HSA (est.) |
|---|---|---|
| 21 | ~$155 | ~$176–$190 |
| 30 | ~$176 | ~$201–$220 |
| 40 | ~$198 | ~$226–$250 |
| 50 | ~$276 | ~$315–$350 |
| 60 | ~$435 | ~$495–$550 |
Sources: SHL NV 2024 EPO Rates (age-30 anchors), HHS federal age curve.
Now add Long Life Med DPC
Our membership model provides affordable primary care in Las Vegas (including urgent care) with transparent pricing:
- Individual: $100/month (or $300/quarter or $550 semi-annually or $1,000/year prepaid).
- Couple: $180/month (or $540/quarter or $990 semi-annually or $1,800/year prepaid).
- Family of 3: $255/month (or $765/quarter or $1,402.50 semi-annually or $5,550/year prepaid).
- Employer group option: as low as $75/employee/mo and $64/family-member/mo via Employer-Sponsored DPC (see below).
- Functional Medicine: $200/month or $600/quarter or $1,100 semi-annually or $2,000/year.
- Longevity Medicine: $500/month or $1,500/quarter or $2,750 semi-annually or $5,000/year.
Why the pairing works: your Catastrophic/HDHP covers very high or emergency costs, while DPC removes most day-to-day spending and surprises in primary/urgent care (and often gets faster answers). Healthcare.gov (catastrophic), AAFP.
Price comparisons (examples from our clinic)
Examples below reflect Long Life Med’s current wholesale/in-clinic pricing when dispensed/ordered through our DPC. Retail/urgent-care prices are local Las Vegas estimates and can vary widely. Always ask for a Good Faith Estimate.
Labs (cash price vs. Long Life Med wholesale)
| Test | Typical retail cash price | Long Life Med member price |
|---|---|---|
| CBC | $29 [Quest, Labcorp) | $3.12 |
| CMP | $49 (Quest, Labcorp) | $4.37 |
| HbA1c | $39 (Quest, Labcorp) | $3.52 |
| TSH | $49 (Quest, Labcorp) | $3.90 |
| Lipid panel | $59 (Quest, Labcorp) | $3.90 |
| Testosterone — Total | $69 (Quest, Labcorp) | $6.24 |
| Progesterone | $89 (Quest) / $59 (Labcorp) | $9.36 |
| hs-CRP (cardiac) | $65 (Quest) / $59 (Labcorp) | $7.80 |
| Vitamin D 25-OH | $75 (Quest) / $99 (Labcorp) | $17.16 |
Quest typically charges a $6 physician fee. Co-pays with commercial insurance are often ~half of retail cash price—except basic tests (CBC, CMP, A1c), which are typically $0 copay.
👩🏻🏭Real Patient Example
Kezia’s OB-Gyn ordered a hormone panel. Even after meeting her $2,000 deductible on a solid plan, her lab copay was almost $300 —- the same panel would have cost $65 at Long Life Med with a membership.
⚠️ WARNING
If your provider bills insurance for a lab the plan won’t cover (or without proper ICD-10/pre-auth), the lab can bill you the full retail price -— far higher than cash-pay rates. Once insurance is billed, you can’t switch to cash prices retroactively. Example: Vitamin D billed $300+ instead of $75/$99 cash-pay at Quest/Labcorp or $17.16 at Long Life Med.
Medications & Supplements (90-count unless noted)
| Product | Cash Price (GoodRx / Amazon) | Typical insurance copay (catastrophic & general context) | Long Life Med |
|---|---|---|---|
| Tenofovir DF 300 mg (90) | As low as $64-$130 with regular GoodRx coupon (pharmacy-dependent): [GoodRx Tenofovir] and [GoodRx Viread]. | Catastrophic: Usually applies to deductible first (you pay full cost until deductible; then 0% coinsurance) — see NV SBCs. Non-catastrophic context: Tenofovir is often non-preferred / specialty, commonly $35–$400+ / mo until deductible or with coinsurance. [Sierra Health and Life], [healthplanofnevada.com], [ehealth] | $34.40 for 3 months $12.80 for 1 month |
| Rosuvastatin 10 mg (90) | $13-$30 with GoodRx coupon: [GoodRx Rosuvastatin]. | Catastrophic: to deductible first; then 0%. Non-catastrophic context: Tier-1 generic $5–$20/mo copay is common. [Sierra Health and Life], [healthplanofnevada.com] | $7.40 for 3 months $3.80 for 1 month |
| Meloxicam 15 mg (90) | $15-37 with GoodRx coupon: [GoodRx Meloxicam]. | Catastrophic: to deductible first; then 0%. Non-catastrophic context: Tier-1 generic $5–$20 copay. [Sierra Health and Life], [healthplanofnevada.com] | $4.70 for 3 months $2.90 for 1 month |
| Metformin 500 mg (90) | $11–$30 with GoodRx coupon: [GoodRx Metformin]. | Catastrophic: to deductible first; then 0%. Non-catastrophic context: Tier-1 generic $5–$20 copay. [Sierra Health and Life], [healthplanofnevada.com] | $4.70 for 3 months $2.90 for 1 month |
| Amoxicillin/Clavulanate 875/125 (7–10 days) (generic Augmentin) | $12–$25 with GoodRx coupon: [GoodRx Amox/Clav]. | Catastrophic: to deductible first; then 0%. Non-catastrophic context: Often Tier-1/2; many plans $10–$40 copay. [Sierra Health and Life], [healthplanofnevada.com] | Free (if medically necessary) |
| Orthomega 820 (180 softgels) | $162.99 on Amazon: [Amazon Orthomega 820]. | Supplements typically not covered. | $77.94-$86.60 depending on membership tier and prepaid status |
Catastrophic/HDHP context: many Rx costs hit the deductible first (you pay the full allowed amount until deductible), then 0% after; some non-catastrophic plans still have $5–$20 Tier-1 generics, but specialty drugs can run $100–$500+/mo even after tiers/coinsurance. SHL Catastrophic SBC (NV), HPN Catastrophic SBC (NV), Anthem NV catastrophic example.
👩🏻🏭Real Patient Example
Kezia used to pay $100/month copay for Tenofovir DF (for Chronic Hep B) on one plan because it was on a specialty tier, then $35/month on a “better” plan the next year.
At Long Life Med, 90 tabs cost $34.40 (≈$11.47/mo) cash.
Later, NP David switched her a newer and better medication with less side effects which her GI doctor also agreed with and recommended, with a manufacturer coupon that covers her copays — her out-of-pocket is now $0.
Those coupon-funded copays also accumulate toward her plan’s out-of-pocket max, so a hospitalization/surgery later in the year could be $0 out-of-pocket. (Plan and manufacturer rules vary)
💡 Why we use OrthoMolecular (especially Orthomega 820)
We stock and personally use OrthoMolecular because they’re pharmaceutical-grade supplements with strict quality control and cold-chain integrity — our shipments are overnighted directly to the clinic, so they don’t sit in hot warehouses or delivery trucks (a common issue with mass-market fulfillment).
Orthomega 820 uses triglyceride-form fish oil (better absorbed and typically gentler on the GI tract) rather than the ethyl-ester form used in many bargain brands. That means higher bioavailability and less oxidation risk — and you actually get the anti-inflammatory benefits you’re paying for instead of the opposite (with bad fish oil).
Las Vegas Urgent Care & ER pricing vs. Long Life Med (DPC)
We reviewed Nevada urgent care costs and ER charges compared with our DPC mode, and the savings add up.
| Service / Visit Type | Typical self-pay (Las Vegas) | Long Life Med price |
|---|---|---|
| CareNow – Standard (Tier I) (incl. up to 2 in-house tests or an oral Rx) | $180 — CareNow Self-Pay | Included in DPC |
| CareNow – Advanced (Tier II) (adds X-ray/injectables) | $235 — CareNow Self-Pay | Included (meds/imaging at wholesale if needed) |
| CareNow – Complex (Tier III) (laceration repair, FB removal, joint injections, etc.) | $350 — CareNow Self-Pay | Included (sutures, FB removal, antibiotics if needed) |
| Concentra – Urgent Care | $165–$200 typical cash in LV — Solv Concentra | Included (extras at wholesale) |
| UMC Quick Care | $100–$250 walk-in cash — Solv UMC Quick Care | Included (extras at wholesale) |
| Rapid Strep / Flu | Included in CareNow Tier I | Included (5–10 min) |
| Rapid COVID (NAAT/rapid PCR) | Included in CareNow Tier I | Included (5–10 min) |
| Rapid RSV | Included in CareNow Tier I | $20 (≈15 min) |
| Rapid HIV-1/2 + Syphilis (combo) | Often sent to outside lab (HIV $85–$99; Syphilis $52–$59) — Quest HIV, Labcorp HIV, Quest Syphilis, Labcorp Syphilis | $30 (≈30 min) |
| EKG | $75–$150 (varies; Concentra/UMC); add-on in CareNow Tier II/III | Included |
| Laceration repair / FB removal | CareNow Tier III $350; ER $2,000+ (facility + physician) — GoodRx ER cost explainer | Included |
| Emergency Room (ER) | $650–$1,200+ (moderate acuity, before imaging/tests) — TalktoMira ER, GoodRx ER | Not through DPC (your Catastrophic/HDHP applies) |
💡 Did you know?
One ER visit for stitches can cost more than two years of DPC membership.
Two basic urgent-care visits can already cover ~3 months of DPC plus several tests/meds through our wholesale partners.
With Long Life Med, urgent care–level needs are already included.
Specialist Visits & Procedures: Cash Pay vs Insurance → Real-world patient stories
Many Las Vegas specialist cash prices are competitive with or even lower than insured copays, as illustrated by some of these real patient stories below.
🙍🏻♂️ Real Patient Example : Colonoscopy, cystoscopy & gallbladder — cash + DPC
- LLM DPC membership: $1,000 (year).
- Imaging first, via DPC: CTA Abdomen $435, MRI Prostate w/wo $710 (ordered by NP David before specialist—saves extra specialist “order-only” visits).
- LLM labs: < $100.
- Specialists: Initials $200 each; follow-ups $100 (some free after surgery).
- Colonoscopy: Anesthesia $400, surgery center $1,200, GI $500, pathology $400.
- Cholecystectomy: Surgery center $4,500, anesthesia $800, surgeon $1,500, pathology $400.
- Cystoscopy (urology): office $100 + $300 for scope.
TAKEAWAY: Even with all of the above expenses this year, this 61-yo patient still wouldn’t buy insurance next year: his employer plan quote was $1,800/mo for a $15,000 deductible — 7 months of those premiums equals the entire year of his cash-pay care. And even if insured, many of these outlays would have hit the deductible so he would still have paid those $12,000 in copays and deductible excluding the $1,000 DPC membership; specialist copays/deductible charges are often higher than the negotiated cash pay cash rates.
👩🏻🏭 Real Patient Example : Spine pain & MRI—insurance hoops vs DPC
Kezia had a prior cervical fusion and new symptoms suggesting adjacent segment disease. They don’t tell you this at surgery, that once you fuse a spine, the above and below that will also start having issues years later.
- Insurance pathway (real bills for co-pays): Ortho $278.07 initial visit (of which $210.21 physician + $67.86 forced X-ray despite a recent CT), then just to earn that MIR approval, the specialist also had to order Pain Mgmt $202.68 initial and PT $88.82/visit (multiple), and do two peer-to-peer meetings with insurance to get it approved.
Then the MRI copay was $1,253 (despite employee discounts) + radiologist $121.15 (as they are always independent contractors), then the ortho follow-up $155.53 - DPC shortcut: NP David could have ordered an MRI first ($260 cash-pay); and if a consult was still desired, an ortho visit ≈ $210.21 copay (or cash $150–$300) would then focus on decisions, not gatekeeping.
👨🏻💼 Real Patient Example : Knee pain — cash-pay MRI & cash-pay orthopedic surgeon
David’s supposed meniscal tear, which the surgeon said was not
- cash-pay knee MRI (no contrast) = $280
- cash-pay knee surgeon consult $150–$250
Which Combo (HDHP + DPC vs Catastrophic + DPC) Is Best for You?
| Profile | Likely Best Option |
|---|---|
| Young (20-30), healthy, no expected surgeries/imaging | Catastrophic + DPC — low premiums, predictability |
| Middle age (40-55), occasional specialty care, imaging | HDHP + DPC if you expect needing specialists/imaging; but cash-pay + DPC can still beat many out-of-pocket / deductible costs. Add HSA for pre-tax savings on DPC memberships and other medical expenses |
| Older (60+), high risk of surgical procedures/chronic disease | Likely HDHP + DPC if you can afford the deductible, especially with good insurance network; but in many cases, cash-pay + DPC + Catastrophic wrap may still be competitive. Add HSA for pre-tax savings on DPC memberships and other medical expenses |
⚠️Mimimum Recommendation
Carry some health insurance (Catastrophic at least) for hospitalizations, cancer, and true emergencies
Realistic scenarios (now comparing HDHP + DPC vs Catastrophic + DPC)
You wake with strep-like symptoms.
- DPC: same-day, rapid strep included, antibiotics included if needed; text follow-up.
- Catastrophic alone: first 3 PCP visits may be $0–$60, then to deductible; tests/Rx can hit deductible if coded problem-focused. Healthcare.gov (catastrophic).
- HDHP alone: preventive is $0, but problem-focused office/rapid test typically to deductible; you often pay the full allowed amount. Healthcare.gov HDHP.
You cut your hand (may need sutures).
- DPC: wound repair included (steri-strips, sutures, Dermabond), foreign-body removal, antibiotics included if needed.
- Catastrophic/HDHP alone: Urgent care may refer to ER; non-emergency ER use can add $500–$1,000 penalties plus separate ER physician bills; costs usually to deductible. Anthem ER copay example, GoodRx ER cost.
Migraine or tension headache.
- DPC: free visit; wholesale meds/IV therapy if needed; minimal wait.
- Catastrophic/HDHP alone: urgent care/ER are problem-focused, typically to deductible; time + cost stack up. Verywell explainer.
Chest pain or panic symptoms.
- DPC: because we know your history, quick triage; low-risk → EKG in clinic and reassurance; high-risk → direct ER with context.
- Catastrophic/HDHP alone: ER costs stack quickly (facility + doctors) until you reach deductible/OOP max. GoodRx ER cost.
Small Business Health Plans in Nevada: Employer-Sponsored DPC (Sept–Nov is decision season)
For employers looking at small business health plans in Nevada, Direct Primary Care group plans are a cost-saving alternative that more and more small businesses are getting into.
Give your employees real primary care access and reduce claims noise: as low as $75/employee/mo and $64/family-member/mo for DPC (add HDHP or Catastrophic for hospital risk).
Employers often save 20%–50% vs traditional “insurance-only” approaches, and your employees (and their families) actually visit or call/text their primary care, which then prevent more absences due to sickness and injuries. [AAFP employer value].
👥 Employer Group Plans Now Available
Give your employees real healthcare access for as low as $75/month per employee and $64/month per family member.
Perfect for small & medium businesses in Las Vegas renewing their plans this fall.
Learn About Group DPC PlansHow to enroll for Healthcare in 2026 (step-by-step)
- Confirm eligibility (Catastrophic expands in 2026). CMS.
- Compare Catastrophic vs HDHP (HSA) on Nevada Health Link (networks are mostly EPO/HMO; out-of-network usually not covered except emergencies). Review SBCs for PCP 3-visit copays, Rx tiers, and deductibles. Nevada Health Link, Healthcare.gov catastrophic.
- Join Long Life Med DPC: Standard $100/mo or $1,000/year; upgrade to Functional ($200/mo) or Longevity ($500/mo) as needed.
- Choose your tax tool (you can’t have both general-purpose FSA and HSA at once):
- HSA (with HSA-qualified HDHP; in 2026, DPC fees HSA-eligible): funds roll over, can be invested. KFF, IRS Pub 969.
- FSA (employer-sponsored; “use-it-or-lose-it,” but front-loads funds early in year; if you leave mid-year after using funds, you typically don’t repay). With an HSA you may keep a limited-purpose FSA (dental/vision). IRS Pub 969, OPM FAQ.
- Set your monthly budget: Premium (Catastrophic or HDHP) + DPC + optional HSA/FSA contributions.
- Use DPC first for nearly all routine/urgent needs; reserve insurance for hospital-level care.
🩺 Pair Catastrophic/HDHP + DPC for Complete Care
Starting 2026, you don’t have to choose. Protect yourself from high medical bills and get unlimited primary care at Long Life Med with plans starting at $100/month or $300/quarter or $550 semi-annually or $1,000/year.
View Membership OptionsCaveats & fine print (please read)
- Networks & out-of-network: Marketplace plans in NV are often EPO/HMO; out-of-network generally not covered except emergency. Healthcare.gov catastrophic.
- 3-visit rule ≠ unlimited $0 care: only preventive is $0. The first 3 PCP visits on catastrophic can have $0–$60 copays by plan; after that (and for most services), bills hit the deductible. HMSA SBC, Kaiser SBC, Healthcare.gov Preventive.
- DPC is NOT insurance. We do not bill insurance for DPC services. Aside from HSA/FSA reimbursements of your invoices, our memberships, services, and retail supplements are not covered by commercial insurance. Prescriptions filled at outside pharmacies may still be processed by your insurance; meds filled in-clinic are cash-pay at our wholesale prices (often lower than copays). AAFP.
- Medicare/Medicaid: Long Life Med is not accepting Medicare/Medicaid for DPC at this time.
- HSA/FSA mechanics: From 2026, DPC fees are expected to be HSA-eligible; you generally cannot fund an HSA if you also have a general-purpose FSA (limited-purpose FSA is okay). Confirm with your tax advisor/HR. KFF, IRS Pub 969, OPM FAQ.
Frequently Asked Questions
▶ Does Long Life Med accept insurance?
No. We are a Direct Primary Care (DPC) clinic, so we don’t bill insurance for visits, labs, or in-house medications. Patients pay a flat monthly fee for unlimited access and included services. Many times, our wholesale cash pricing on labs and medications is lower than insurance copays. Prescriptions filled at outside pharmacies may still be processed by your insurance.
▶ What if I need a specialist in Las Vegas?
You can still see specialists whether or not you have insurance. Many Las Vegas specialists charge about $200–$300 for the initial visit and $100–$200 for follow-ups on a cash basis—often comparable to (or lower than) some copays. With DPC, we can order labs or imaging ahead of time so your specialist visit is more efficient and focused on next steps.
▶ Can I get affordable lab testing without insurance?
Yes. Long Life Med members get wholesale pricing on labs through Labcorp and Quest.
- A Testosterone test that may retail for $69 costs only $6.24 at Long Life Med.
- A Vitamin D test that can cost up to $300+ when billed through insurance, or $75/$99 cash pay through Quest/Labcorp, is only $17.16 at Long Life Med through our wholesale contracts.
▶ Do you offer urgent care services in Las Vegas?
Yes. As part of membership, urgent care visits are included. This covers issues like wound repair, in-clinic antibiotics, rapid tests (strep/flu/COVID/pregnancy/mono/urinalysis/BV/trichomoniasis/fecal blood), and same-day/next-day access—often faster and more affordable than traditional urgent care.
▶ What other services does Long Life Med provide?
In addition to primary and urgent care, we offer:
- IV Therapy (Rehydrate, Myers, Immunity, Athlete, NAD+, and more)
- Red Light Therapy
- Hormone Optimization & BHRT (including pellets)
- Medical Weight Loss (GLP-1s, peptides, coaching)
- Peptide Therapy & Longevity Programs
- Orthobiologics (Wharton’s Jelly stem cells, exosomes)
▶ Is catastrophic insurance worth it in Las Vegas?
For many unsubsidized adults—especially those who pair it with DPC—catastrophic coverage can be a smart safety net: it caps worst-case costs and (starting 2026) typically includes 3 primary-care visits before the deductible. If you anticipate ongoing specialty care or expensive medications, compare HDHPs too and run the numbers.
▶ What is the cheapest health plan in Nevada?
“Cheapest” depends on age, subsidies, and network. Unsubsidized shoppers may find that catastrophic plans are the lowest premium; some HDHP Bronze plans can be similar. Always compare on Nevada Health Link and factor your expected usage (meds, imaging, specialists) plus a DPC membership if you want unlimited primary care at predictable cost.
▶ Direct Primary Care vs. Concierge in Las Vegas — what’s the difference?
DPC charges a flat membership and doesn’t bill insurance for primary care; pricing is usually lower and includes unlimited visits and wholesale labs/meds. Concierge typically also bills insurance (often PPO-only) plus charges a high annual retainer for extra access. DPC ≠ concierge.
▶ Best small business health plans in Las Vegas/Nevada?
Many SMBs pair Employer-Sponsored DPC (as low as $75/employee and $64/family member) with a wrap product (catastrophic or HDHP) for hospital-level risk. This can lower total spend and employee out-of-pocket while improving access and retention.
▶ How do I enroll on Nevada Health Link for 2026?
Create an account on Nevada Health Link, compare Catastrophic vs. HDHP plans, download SBCs, and confirm network and Rx details. Then pair your choice with Long Life Med DPC for unlimited primary care.
▶ Las Vegas urgent care vs ER costs — what should I know?
Urgent care visits typically range $180–$350 cash locally; ER facility fees can reach $650–$1,200+ (before imaging/tests). Many plans also add a $500–$1,000 ER penalty if the visit wasn’t an emergency. With DPC, most urgent needs are included—and we help you avoid unnecessary ER bills.
