03/12/2026
A question we get almost daily: βDo you accept insurance?βββββββββ
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At Spruce MD, weβve chosen not to contract with insurance so we can focus on what matters most, YOU.ββββββββ
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Insurance often limits visit time, dictates treatment options, and prioritizes quick fixes over root-cause care. By staying insurance-free, weβre able to offer longer appointments, personalized treatment plans, and a deeper look at the whole picture of your health.ββββββββ
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We believe healthcare should feel supportive, unrushed, and tailored to your unique needs; not confined to a billing code.ββββββββ
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While we donβt accept insurance, we do accept HSA and FSA cards. As of 2026, FSA and HSA dollars now cover direct primary care MEMBERSHIPS, allowing you to use your pre-tax healthcare dollars toward your care! We also provide superbills for those who want to submit to their insurance. ββββββββ
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If youβve ever felt unheard or rushed in traditional healthcare, this model may feel refreshingly different.