Sick Today
Your kid brought home elementary school plague. Now you’re both sick.
Call Today (719) 752-5547
Your workplace health plan still has an important job. Pearl Primary Care gives you a direct primary care relationship for everyday care. Together, they can make healthcare simpler without turning Open Enrollment into another project.
YOUR WORKPLACE HEALTH PLAN
Emergency Care · Hospital Stays · Specialists · Imaging · Surgery
WORKS TOGETHER WITH
Everyday & Preventive Care · Physicals · Medication Management · Physician Access
COLORADO SPRINGS OPEN ENROLLMENT
WORKPLACE HEALTH INSURANCE
Your workplace health plan still has an important job. Pearl Primary Care gives you a direct primary care relationship for everyday care. Together, they can make healthcare simpler without turning Open Enrollment into another project.
YOUR WORKPLACE HEALTH PLAN
Emergency Care · Hospital Stays · Specialists · Imaging · Surgery
WORKS TOGETHER WITH
Everyday & Preventive Care · Physicals · Medication Management · Physician Access
A DIFFERENT JOB
Your workplace plan is built to protect you financially. Pearl is built to give you better access, more time with your physician, and greater continuity in the primary care you use most.
WORKPLACE INSURANCE
BUILT FOR DIFFERENT THINGS
PEARL PRIMARY CARE
REAL-LIFE CARE
Three common situations.
Three clear examples of how Pearl and your workplace insurance can work together.
Your kid brought home elementary school plague. Now you’re both sick.
An unexpected result. Pearl helps you understand what it means, handle the first steps, and coordinate any specialty care you may need.
Insurance handles the hospital. Pearl helps you navigate the aftermath.
REAL-LIFE CARE
Three common situations.
Three clear examples of how Pearl and your workplace insurance can work together.
Your kid brought home elementary school plague. Now you’re both sick.
An unexpected result. Pearl helps you understand what it means, handle the first steps, and coordinate any specialty care you may need.
Insurance handles the hospital. Pearl helps you navigate the aftermath.
WHERE PEARL FITS
Because primary care coverage doesn’t always mean good primary care.
YOUR WORKPLACE PLAN PROVIDES
WITH PEARL
Primary care coverage
Direct access to Pearl
An in-network PCP benefit
A physician-led home base
Covered visits subject to plan terms
Pearl visits included in membership
A healthcare network
Help navigating that network
Coverage when care gets bigger
Continuity before and after it does
YOUR WORKPLACE PLAN PROVIDES
Primary-care coverage
An in-network PCP benefit
Visits subject to plan terms
A healthcare network
Coverage when care gets bigger
With Pearl
Direct access to your Pearl care team
A physician-led home base
Pearl visits included in membership
Help navigating your care
Support after bigger medical events
Your workplace plan still covers primary care. Pearl adds a more direct, consistent way to use that coverage, with more time, easier access, and fewer handoffs.
That still leaves the obvious question: if your workplace insurance already includes primary care, why pay for a Pearl membership too?
WHY PEARL ISN’T REDUNDANT
Your workplace insurance pays for covered care. Pearl changes how you access and experience primary care day to day. That overlap is intentional.
Because access matters. With Pearl, you have a primary care physician you know, with easier access and more time when you need care, rather than starting with whoever happens to be available through your insurance network.
No, and you shouldn’t have to give it up. Your insurance still handles specialists, imaging, hospital care, and other major medical needs. Pearl becomes your home base, helping you know where to start, what needs insurance, and what happens next.
That’s exactly where your insurance still matters. Pearl helps with the handoff, referrals, records, and follow-up, so you’re not left stitching the pieces together on your own. Afterward, Pearl remains your primary care home base for follow-up and coordination.
It shouldn’t. Pearl is designed to make primary care simpler by giving you one place to start, one team that knows your history, and help coordinating what happens next when care moves beyond Pearl.
MEMBERSHIP, SIMPLIFIED
One monthly membership gives you access to Pearl’s direct primary care model without changing your workplace insurance, whether it’s just you or your whole household, including your partner and kids.
INDIVIDUAL
$150 / month
One adult membership.
Visits included · No copays · Direct physician access
TWO ADULTS
$250 / month
Two adult membership.
Visits included · No copays · Direct physician access
ONE ADULT FAMILY
$200 / month
One adult family membership.
Visits included · No copays · Direct physician access
TWO ADULT FAMILY
$300 / month
Two adult family membership.
Visits included · No copays · Direct physician access
COST IN THE REAL WORLD
Copays, deductibles, repeat visits, and testing can make routine care feel unpredictable. Pearl makes your everyday primary care costs much easier to anticipate.
TUESDAY MORNING
WORKPLACE INSURANCE ROUTE
Find an available PCP appointment
Schedule around what’s available
Pay the visit cost
Testing may hit your deductible
Follow-up may mean another cost
WITH PEARL
Text Pearl when you wake up sick
Get care with less disruption to your day
Routine visit included in membership
Follow-up included
Know what happens next
TRADITIONAL PRIMARY CARE
Medication refill / adjustment
$40
Possible yeast or bacterial infection
$80
Digestive issue
$40
Estimated visit copays
$160
WITH PEARL
Medication refill / adjustment
Included
Possible yeast or bacterial infection
Included
Digestive issue
Included
Monthly membership
$150
*Illustrative example only. Copays and specialist costs vary by insurance plan. Outside labs, imaging, prescriptions, and specialty care may create additional costs.
A cough that should’ve passed is still hanging on, and your dev team isn’t waiting.
Every sports dream has a beginning... but not without a physical.
It seemed minor at first. Now the swelling and pain aren’t letting up.
A cough that should’ve passed is still hanging on, and your dev team isn’t waiting.
Every sports dream has a beginning... but not without a physical.
It seemed minor at first. Now the swelling and pain aren’t letting up.
Pearl makes routine primary care more predictable. Visits and follow-up with Pearl are included in membership, so every return visit doesn’t become another hit to your wallet.
Outside care can still cost money. Labs, imaging, specialists, prescriptions, and hospital care may still be billed through insurance or cash-pay arrangements. When outside care is needed, Pearl helps coordinate the next step and, where available, can help you compare insurance and cash-pay options.
CARE THAT FEELS DIFFERENT
The difference is easier to understand when you see what that relationship looks like in real life.
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
CARE THAT FEELS DIFFERENT
Primary care feels different when your doctor has time for you.
The difference is easier to understand when you see what that relationship looks like in real life.
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 workplace insurance, what membership includes, what you pay, and what happens when care goes beyond primary care.
Yes. Pearl is designed to work alongside your workplace insurance, not replace it. You keep your plan for specialists, imaging, hospital care, prescriptions, and other covered services, while Pearl becomes your primary-care home base for routine care, follow-up, and coordination.
There is some overlap, but you are not paying for an identical experience twice. Your insurance may include primary-care benefits, while Pearl membership provides more direct physician access, more time, greater continuity, and routine Pearl visits without a copay at the time of care.
Your membership includes routine primary-care visits with Pearl, follow-up, direct access to your care team, and help coordinating the next steps in your care. You do not pay a copay for routine Pearl visits or have to meet your insurance deductible before using Pearl for primary care. Outside services such as labs, imaging, prescriptions, and specialty care may still have separate costs.
Yes, qualifying direct primary care membership fees can be paid with HSA funds under federal rules effective in 2026. Pearl’s membership structure is designed as direct primary care, but your individual HSA eligibility and tax situation can vary. See our HSA and Direct Primary Care guide for more.
Pearl can order and coordinate labs, imaging, and specialist care when you need them. Those services are outside your Pearl membership and may be billed through your insurance or paid separately. When appropriate, Pearl can also help you compare insurance and available cash-pay options.
READY WHEN YOU ARE
Keep your insurance.
You don’t have to wait for another subpar experience to choose exceptional care. Pearl works alongside your workplace insurance and gives you a more direct, consistent primary care relationship.
Meet PearlSICK TODAY
YOU BOTH WAKE UP SICK
You feel awful, your kid feels awful, and the last thing you want to do is figure out whether you need two urgent-care visits, two copays, and half a day in waiting rooms.
YOU TEXT YOUR DOCTOR
You reach out to Pearl, your physician reviews what’s going on with both of you, and gets you scheduled for the care you need without starting over somewhere else.
YOU’RE BACK IN CONTROL
Two people cared for through Pearl, routine visits included in membership, and no unnecessary urgent-care runaround.
ABNORMAL PAP
YOU GET AN ABNORMAL RESULT
You see “abnormal” on the report and immediately wonder what it means, how serious it is, and what you’re supposed to do next.
YOU CALL YOUR DOCTOR
Your physician reviews the Pap result with you, explains what it means, and takes care of the first steps so you’re not left figuring out what to do next on your own.
YOU HAVE A PLAN
If specialist follow-up is needed, your physician coordinates the referral, sends the relevant records, and makes sure you understand what happens next.
MAJOR EVENT
YOU’RE HOME, BUT NOT DONE
You’re home after a hospital stay with discharge papers, new medications, follow-up instructions, and a head full of questions about what actually happens next.
YOU SEE YOUR DOCTOR THAT WEEK
Your physician gets you scheduled that same week, talks through what happened, reviews your medications, makes sense of the discharge instructions, and gets the right follow-up moving.
YOU GET YOUR FOOTING BACK
The hospital stay is behind you, the loose ends are getting tied up, and it finally stops feeling like everything, everywhere, happening all at once.
LINGERING COUGH
THE COUGH ISN’T GOING AWAY
It’s been hanging on longer than it should, and powering through work isn’t cutting it anymore.
YOU REACH OUT TO YOUR DOCTOR
Your physician reviews what’s changed, sees you if needed, and adjusts the plan without making you start over somewhere new.
CARE CONTINUES UNTIL YOU’RE BETTER
Need another look or a treatment change? Follow-up is included, so getting better doesn’t mean another primary-care charge.
SPORTS PHYSICAL
THE FORM IS DUE
Practice is coming up, the paperwork is waiting, and without the physical, he can’t play.
YOU BOOK WITH YOUR DOCTOR
You schedule the sports physical with your Pearl physician instead of hunting for a separate clinic or last-minute appointment.
HE’S CLEARED TO PLAY
The physical is done, the form is complete, and the visit is included in the family membership.
MINOR INJURY + IMAGING
THE SWELLING ISN’T LETTING UP
A day later, the ankle is still swollen, painful, and harder to ignore.
START WITH PEARL
Your physician evaluates the injury, helps decide whether imaging is actually needed, and guides the next step in your care.
IMAGING, IF YOU NEED IT
If imaging makes sense, your physician coordinates the order and helps you navigate insurance or available cash-pay options.
