Something feels different
You’re dizzy, unusually tired, short of breath, or just not feeling like yourself. You may not know what it means, but you know it isn’t normal for you.
Colorado Springs Medicare Open Enrollment
Keep the Medicare coverage you rely on and add a more direct, consistent relationship with your primary care physician.
YOUR MEDICARE COVERAGE
Specialists · Hospital Care · Imaging · Procedures · Emergencies
WORKS ALONGSIDE
Prevention · Chronic Care · Medication Management · Physician Access
COLORADO SPRINGS MEDICARE OPEN ENROLLMENT
Keep the Medicare coverage you rely on and add a more direct, consistent relationship with your primary care physician.
YOUR MEDICARE COVERAGE
Specialists · Hospital Care · Imaging · Procedures · Prescriptions
WORKS ALONGSIDE
Prevention · Chronic Care · Medication Management · Physician Access
A DIFFERENT KIND OF PRIMARY CARE
As your health changes, the challenge is often not finding another doctor. It is having one place where the day-to-day decisions still make sense together.
MEDICARE
When care gets bigger.
BUILT FOR DIFFERENT THINGS
PEARL PRIMARY CARE
Before it gets bigger.
REAL-LIFE CARE
Three common situations.
Three clear examples of how Pearl can fit alongside Medicare when real life gets complicated.
You’re dizzy, unusually tired, short of breath, or just not feeling like yourself. You may not know what it means, but you know it isn’t normal for you.
Knee pain, back pain, poor sleep, or reduced stamina starts getting in the way of the things you actually want to do. Primary care should help you stay in your life, not just manage diagnoses.
New medications. New instructions. Follow-up appointments. Pearl helps you understand what comes next.
REAL-LIFE CARE
Three common situations.
Three clear examples of how Pearl and your workplace insurance can work together.
You’re dizzy, unusually tired, short of breath, or just not feeling like yourself. You may not know what it means, but you know it isn’t normal for you.
Knee pain, back pain, poor sleep, or reduced stamina starts getting in the way of the things you actually want to do. Primary care should help you stay in your life, not just manage diagnoses.
New medications. New instructions. Follow-up appointments. Pearl helps you understand what comes next.
HOW THEY FIT TOGETHER
Pearl doesn’t replace Medicare. It gives you a privately paid primary care relationship while Medicare continues doing the job you rely on it for outside Pearl.
MEDICARE
PEARL PRIMARY CARE
Covers specialists
Coordinates care
Covers hospitals
Follows up after
Covers imaging
Helps make sense of it
prescription coverage
Manages medications
Covers outside care
Primary care stays here
Medicare
Covers specialists
Covers hospitals
Covers imaging
Covers prescriptions
Covers eligible care
Pearl Primary Care
Coordinates care
Follows up after
Helps make sense of it
Manages medications
Primary care stays here
Medicare already covers primary care. Pearl lets you choose one physician to carry that part of your care, so you aren’t starting over every time something changes.
That still leaves the obvious question: if Medicare already covers primary care, why pay for a Pearl membership?
WHY ADD A PEARL MEMBERSHIP?
Medicare gives you important coverage. Pearl gives you something different: a physician who has the time and context to help you make sense of your health as it changes.
Yes. Pearl is designed to sit alongside Medicare, not replace it. You keep the coverage you already depend on, while Pearl becomes the place where your everyday care feels familiar, direct, and easier to navigate.
There is some overlap, and we would rather say that plainly. What you are really choosing is a different way to receive primary care, one where you are known over time instead of starting from scratch at every visit.
You still use Medicare for that care. Pearl helps you pick up the thread (or pieces) afterward, understand what changed, and figure out what needs your attention next once you are back in everyday life.
For a physician who knows your history, understands what matters to you, is easily accessible, and can recognize when something is different because they know where you started. You do not have to keep retelling the same story just to get someone oriented.
SIMPLE MONTHLY MEMBERSHIP
Most Medicare-age members will choose an individual or two-adult membership. Family options are still available when they fit your household.
INDIVIDUAL
$150 / month
One adult membership.
Primary care membership with your Pearl physician.
TWO ADULTS
$250 / month
Two adult membership.
Primary care membership with your Pearl physician.
ONE ADULT FAMILY
$200 / month
One adult family membership.
Primary care membership with your Pearl physician.
TWO ADULT FAMILY
$300 / month
Two adult family membership.
Primary care membership with your Pearl physician.
WHEN HEALTH GETS MORE COMPLICATED
The picture changes over time. New medications, new diagnoses, new specialists, new questions. Before long, there are more pieces than you started with and no obvious place they all fit. Having one physician who understands how it all connects can make it manageable again.
Blood pressure is up. A1C moved. Cholesterol changed. None of it feels urgent, but together it starts to tell a different story.
A specialist changes a medication. Another orders testing. Someone else is watching a different condition. You need one physician who can see how it all fits together.
We understand. Sometimes the hardest part is simply finding out where things stand. Getting back on track should start with understanding where you are now, not judging how you got there.
Blood pressure is up. A1C moved. Cholesterol changed. None of it feels urgent, but together it starts to tell a different story.
A specialist changes a medication. Another orders testing. Someone else is watching a different condition. You need one physician who can see how it all fits together.
We understand. Sometimes the hardest part is simply finding out where things stand. Getting back on track should start with understanding where you are now, not judging how you got there.
You don’t have to manage all of it alone. Your physician helps keep track of what changed, what still matters, and what deserves attention next, so managing your health does not become a second full-time job.
And you still get to be the person living your life. The goal is not to spend more time thinking about healthcare. It is to make the healthcare part easier to manage, so more of your attention can stay where you actually want it.
WHAT THIS FEELS LIKE
When your health gets more complicated, being known matters more. These patients describe what it feels like to have a physician who listens, remembers the context, and doesn’t make you start from the beginning every time.
Dr. Rachael took the time to sit with me, answer all of my questions, and never once acted like she was in a hurry.
Pearl Primary Care patient
I’d been seriously disappointed in the care I’d received for more than 20 years. When my neighbor suggested I meet Dr. Mallon at Pearl Primary Care, I scheduled a free meet-and-greet and left convinced they could help me, and that they genuinely wanted to.
Pearl Primary Care patient
WHAT THIS FEELS LIKE
Primary care feels different when your doctor has time to know you.
When your health gets more complicated, being known matters more. These patients describe what it feels like to have a physician who listens, remembers the context, and doesn’t make you start from the beginning every time.
Dr. Rachael took the time to sit with me, answer all of my questions, and never once acted like she was in a hurry.
Pearl Primary Care patient
I’d been seriously disappointed in the care I’d received for more than 20 years. When my neighbor suggested I meet Dr. Mallon at Pearl Primary Care, I scheduled a free meet-and-greet and left convinced they could help me, and that they genuinely wanted to.
Pearl Primary Care patient
FAQ · QUESTIONS PEOPLE ASK
The practical questions are pretty straightforward: how Pearl works with Medicare, what stays covered elsewhere, what you pay privately, and how the pieces fit together.
A common example is Original Medicare Parts A and B + Medigap Plan N + Part D, when needed + Pearl Primary Care. Medicare and Plan N continue handling eligible outside care and cost-sharing, Part D can handle prescription coverage, and Pearl remains your privately paid primary care relationship.
For some people, that creates a clean balance between broad medical coverage and a more personal, consistent primary care experience.
Pearl does not sell Medicare plans or recommend a specific plan. This is simply one example of how Medicare and Direct Primary Care can fit together.
Yes. Pearl changes your primary care relationship, not the rest of your Medicare coverage. You can still use Medicare for eligible outside care such as specialists, hospital services, imaging, procedures, and other covered services.
No. Pearl physicians have opted out of Medicare, so your membership and physician care are privately paid under a private contract. Medicare continues to cover eligible care you receive from other participating providers.
Because you are not paying for more of the same. You are choosing a physician who knows your story, understands your baseline, and can help make sense of the growing number of medications, specialists, follow-ups, and health changes that accumulate over time.
Pearl gives you one place to start, one physician who sees the whole picture, and a better chance to stay on top of your health before it starts running your life.
Unfortunately, not at this time. Colorado law currently does not allow Pearl to privately charge Medicaid members for Medicaid-covered primary care services. A 2026 bill that would have created a pathway for Direct Primary Care agreements with Medicaid members did not pass.
PRIMARY CARE, DIFFERENTLY
Keep your Medicare.
As your health changes, having one physician who knows where you’ve been and helps you figure out what comes next can make everything feel more manageable. The goal is simple: keep your care from taking over your life.
Schedule a Meet & GreetSOMETHING FEELS DIFFERENT
IT DOESN’T HAVE TO BE DRAMATIC
You’re more tired than usual. A little dizzy. Short of breath sooner than you expect. Nothing screams emergency, but it isn’t normal for you.
THAT CHANGE MEANS SOMETHING
When your doctor knows your usual baseline, small changes have context. They can tell what is new, what has been building, and what deserves a closer look.
START WITH SOMEONE WHO KNOWS YOU
You do not have to decide on your own whether the next step is reassurance, testing, a medication review, or something more urgent.
YOUR BODY IS CHANGING YOUR PLANS
IT STARTS WITH LITTLE TRADE-OFFS
You skip the longer walk. Take the elevator instead of the stairs. Sit out something you normally enjoy because your back, knee, sleep, or stamina is making the decision for you.
THEN YOUR WORLD GETS SMALLER
Not because you want it to, but because more and more plans start getting filtered through what hurts, what tires you out, or what you are trying to avoid.
THE GOAL IS TO GET YOUR LIFE BACK IN THE PICTURE
At Pearl our doctors can help figure out what is driving the change and what can realistically improve, so your health supports the life you want instead of quietly shrinking it.
HOME FROM THE HOSPITAL
YOU COME HOME WITH MORE THAN YOU LEFT WITH
New medications. New instructions. Follow-up appointments. Maybe a diagnosis you are still trying to understand.
THEN REAL LIFE STARTS AGAIN
Questions show up after the discharge papers are put away. What changed? What matters now? Who should you call first if something does not feel right?
THIS IS WHERE CONTINUITY MATTERS
Your primary care physician can help make sense of what happened, review the changes, and reconnect the hospital event to the rest of your health.
THE NUMBERS KEEP DRIFTING
EASY TO EXPLAIN AWAY...
Your blood pressure is a little higher than usual. A1C nudges up. Cholesterol shifts. None of it feels serious enough to interrupt your day.
...UNTIL THE PIECES MULTIPLY
One change becomes three. A medication gets adjusted. Another lab needs repeating. What felt easy to ignore starts getting harder to keep straight.
THAT’S WHEN CONTEXT MATTERS
At Pearl, your doctor can look across the changes, compare them with what came before, and decide what actually needs attention now.
TOO MANY DOCTORS, ONLY ONE BODY
EVERYTHING, EVERYWHERE, ALL AT ONCE
A medication gets adjusted. Another specialist orders testing. Someone else is watching a different condition entirely.
NOW YOU’RE CARRYING THE MAP
You are the one remembering who said what, what changed, what still needs follow-up, and whether any of it overlaps.
THIS IS WHERE PEARL CONNECTS THE PIECES
Your primary care physician helps bring the pieces back together, so you have one place to make sense of what changed and what comes next.
YOU’VE BEEN AFRAID TO GO BACK
YOU ALREADY KNOW SOMETHING’S OFF
You’ve missed the follow-up. Maybe the blood pressure is still high. Maybe the labs never got repeated. The worry sits there, even when you try not to think about it.
FEAR FILLS IN THE BLANKS
Now you’re not just worried about your health. You’re worried about what the doctor will say, how much has changed, and whether you waited too long.
IT'S OK. START WHERE YOU ARE
A good physician doesn’t need you to arrive with everything fixed. The first job is to understand where things stand now, then work forward from there with you.
