You Don't Need Insurance to See a Doctor. Here's What You Actually Need
- Dr. Lindsey Beauboeuf
- Dec 9, 2025
- 4 min read
Updated: Jan 26
I remember the moment it really hit me.
I was seeing a patient at the clinic. Sharp, capable, carrying the weight of her whole family on her shoulders. She'd been dealing with high blood pressure for months, maybe longer. But she kept putting it off because she didn't have insurance.
By the time she came in, what should've been a few follow-up visits had turned into something much more serious.
She looked at me and said:
"I didn't know I could see a doctor without insurance. I thought I had to wait until I got a plan."
That conversation stayed with me. Because so many people, especially Black and Afro-Caribbean women here in Atlanta, are waiting to get care because they think insurance is the only way in.
But here's the truth: you have options.
Here's What People Get Wrong About Insurance to See a Doctor.
The question I get most is: "Can I still get care if I don't have insurance?"
And honestly, I get why people ask this question. Most people think their only options are either the ER or the urgent care when they don't have insurance. But those places aren't meant for regular healthcare. The ER will send you a massive bill. Urgent care can't manage your chronic conditions or get to know your story.
Here's what's actually true: most everyday care doesn't require insurance.
Think about it. You pay hundreds every month for a plan. Then you pay again at every visit with copays, deductibles, surprise bills. And you still wait weeks for a seven-minute appointment with a doctor who's already thinking about the next patient.
What you actually need for checkups, chronic illness support, and those "something doesn't feel right" moments is access. You need time. You need someone who actually listens.
That's where Direct Primary Care comes in.
Ready to see if DPC is right for you? Book your free 15-minute Fit Call →
What Direct Primary Care Actually Means
Direct Primary Care (DPC) is simple: you pay your doctor directly with a monthly membership. No insurance companies in the middle. No billing codes. No waiting for approval.
At MOZAÏK, here's what that looks like:
You text us when something feels off.
We get you in that day or the next.
When you come in, we sit together for 30 minutes to an hour. We talk about what's happening with your body and your life.
You leave with a plan that makes sense for your actual life.
And between visits? You can reach us. No calling an operator. No waiting on hold forever.
Same-day or next-day access. Longer visits. No copays. No surprise bills.
Our Story Featured in Voyage ATL
MOZAÏK Lifestyle Medicine has been featured in Voyage ATL, highlighting our mission to bring culturally-rooted healthcare to Black and Afro-Caribbean women in Atlanta.
“But What About Labs and Specialists?”
This is the other question I hear all the time.
Direct Primary Care covers most of what you need day-to-day. But sometimes you need bloodwork, imaging, or a specialist.
If you have insurance, you can still use it for those things.
If you don't, we help you find affordable options. I work with labs that do transparent pricing and specialists who won't surprise you with bills.
We figure it out together. You're not doing this alone.
Ready to see if DPC is right for you? Book your free 15-minute Fit Call →
Let's Clear Up Some Myths
"Direct Primary Care is only for people with money."
DPC often costs less than what you're already paying in premiums and copays. MOZAÏK's Rooted Care is $175/month. Compare that to a $400/month/person insurance plan that still charges $35 per visit.
"You're on your own for everything."
We're your medical home. We help you navigate labs, imaging, specialists. All of it!
"I need insurance just to see a doctor."
Many DPC doctors, like me, don't bill insurance at all. This model is completely legal and often more affordable.
"The ER or urgent care are my only options without insurance."
Those places serve a purpose, but they're not designed for regular care or managing chronic conditions. And they'll absolutely send you a bill, even when the front desk says you only owe a copay.
Your Pieces Matter Here...
I had the pleasure of doing my 1st intake with Dr Lindsey and it was wonderful. She was so thorough. I look forward to working with her. She is doing the work that is needed in the community. - Myrtha V.
The Part We Don't Say Out Loud Enough
Let's be honest, nowadays, we simply cannot afford to be sick anymore.
The financial piece is real. But beyond that, we do not have the bandwidth. When you're holding down your job, your family, your community, you cannot afford to fall apart.
I've watched too many women delay care because they couldn't afford the copay, couldn't get time off, couldn't face another appointment where they felt invisible.
That's why MOZAÏK exists. You deserve care that doesn't drain you. Care that doesn't make you choose between your health and your bills. Care that sees you and makes time for you. Your heritage, your story, all of it matters here.
Book your free 15-minute Fit Call → and get $25 off the registration fee if you sign up during the call.
Download our free guide: 5-Day Energy Reset Guide
A simple, culturally rooted plan to help you feel lighter, clearer, and more energized in just five days.
You Don't Need Permission to Be Cared For
You don't need to wait until things get worse. You don't need to keep carrying this alone. And you certainly don’t need to wait until you get on a better insurance plan.
MOZAÏK was built because you deserve care that honors who you are. You deserve care where every piece of you matters.
If that's what you're looking for, we’re here.
Want to Learn More?
What’s Included in Membership - See how it works and what it costs
My Story - Why I left traditional healthcare
Schedule Your Fit Call - Let’s see if we’re a good match
Slow Down and Stay Connected - Join the community
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