Frequently Asked Questions

Your monthly membership includes in person and virtual visits, direct communication with Dr. Zrull by phone, text, or email, and many common in-house procedures and lab draws. There are no copays for covered services. Any additional costs for outside labs, imaging, pathology, medications, or other services are discussed beforehand.

Although we don't bill insurance at Lifelong Medicine, we recommend that members maintain health insurance for hospitalizations, emergencies, specialty care, imaging, and other services outside the practice.

Many members choose a high-deductible plan to pair with DPC, since routine primary care is covered through the membership rather than through insurance. Think of it like car insurance: you don't use it for an oil change, but you want it there if you get into a collision.

Absolutely! Even though we do not bill insurance, we welcome all patients. You may choose to pair our services with insurance or not - it’s up to you.

At this time, Lifelong Medicine is unable to accept patients who have Medicare. If this changes in the future, we'll update this page.

Yes. As of January 2026, Direct Primary Care membership fees qualify as an HSA expense under federal law. HSAs may also be used for eligible expenses outside of membership, such as labs, medications, and imaging.

Lifelong Medicine is designed to meet the majority of your primary care needs in one place. When you need specialty care, Dr. Zrull can help connect you with a trusted network of specialists and coordinate your care along the way.

We’ll do our best to address what we can within primary care, while recognizing when a specialist’s expertise is the right next step.

For specialty care that requires a more comprehensive, in-person evaluation, we can help you find a specialist who fits your insurance or financial situation. If you have a PPO, we can refer you to a provider in your network. If you are uninsured, we can help identify specialists who offer cash-based care.

If you have an HMO, your insurance may require you to see the primary care physician listed on your insurance card for referrals. In that case, we can communicate with that physician to help coordinate the referral and share why we believe specialty care would be beneficial.

We do! We simply ask 10% above wholesale cost to cover packaging. If there is a medication that you need that we do not have in office, we will do our best to order and deliver it to you, or find the lowest price for the nearest location that may carry it.

Note that, while we do treat a variety of conditions that include acute and chronic pain or require stimulant medication, we do not carry controlled substances in our office. For this, we will write you a prescription and have you pick it up from the pharmacy of your choice.

We understand that there are circumstances in life where this may not suit you, and we will always wish you a future of good health. You may cancel at any time. We simply ask for 30 days’ notice, as memberships are billed monthly.

For those who would like to re-join, there is a $150 re-enrollment fee and a 6-month waiting period before rejoining, but we will welcome your return if your needs change again.

Dr. Zrull is licensed to practice in Michigan, so Lifelong Medicine can only establish care with Michigan residents. If you're an established patient traveling outside Michigan, we can often help coordinate prescriptions or lab orders while you're away.

Yes! Same- or next-day visits are often available for acute concerns, either virtually or in person. If you aren't sure whether you need to be seen, you can contact Dr. Zrull directly and we'll figure out the next step together.