A low-cost way to reach the patients the safety net misses

FindMyDirectDoctor Foundation helps uninsured, underinsured and underserved people find an affordable regular doctor. Underinsured means a person has insurance but cannot afford to use it, often because the deductible is too high. Underserved means a person lives where care is hard to find or hard to pay for. A regular doctor helps people stay healthy and catches small problems before they become emergencies. That is how this work helps people get better health outcomes.

Our work has two parts. First, we help people learn that affordable cash-pay care exists. A cash-pay doctor lets you pay for care yourself, without going through insurance. Then we help people find one near them. Our free directory lists about 20,000 cash-pay doctors, including direct primary care and concierge practices, in all 50 states plus DC, Puerto Rico and the US Virgin Islands. It has connected more than 10,000 uninsured and underinsured patients to a cash-pay physician since 2020. It costs us $149 per patient connected.

$149
It costs us $149 per patient connected
More than10,000
uninsured and underinsured patients connected to a cash-pay physician since 2020

Why funders support this work

Counties and states

Many counties and states have goals for better health, lower costs, or better access to care for uninsured, underinsured and underserved people in certain areas. Our directory already covers all 50 states, so work can start in your area right away.

We can focus our work on your counties or zip codes. We plan outreach and directory work for that area, and any funding set aside for an area is spent only there. At the end, we report what we did and what we could measure.

This is a national program. Kansas, where we are based, is one of ten states that have not expanded Medicaid. Medicaid is public health coverage for many people with low incomes, and expanding it means opening it to more low-income adults. Kansas is one example of a state where many working adults are left without affordable coverage.

Federal programs

Many federal health programs try to reach people who fall through the cracks. Those are the people we serve: uninsured, underinsured and underserved people who need a regular doctor to stay healthy.

  • About 27.1 million Americans have no health insurance.
  • It costs us $149 per patient connected. The federal Navigator program, which helps people sign up for health insurance, spent $1,061 per enrollment in plan year 2024.
  • Our modeled cost avoidance is $157 to $309 per connected patient per year. "Modeled" means estimated with a cost model, not measured directly.

When we report to a federal program, we show the size of the need in the areas we serve, what we did, how many people we reached and connected, what it cost per person, and the results we could measure.

FindMyDirectDoctor Foundation, per patient connected$149
Federal Navigator program, per enrollment, plan year 2024$1,061
The two programs do different jobs, so this is a rough comparison, not a head-to-head test.

Hospitals

People without a regular doctor often use the emergency room as their doctor's office. Much of that care is never paid for, and hospitals absorb the cost. This is called uncompensated care, which means care a hospital provides but does not get paid for. Hospital margins, the money left over after costs, are already thin.

We help uninsured and underinsured people near your hospital find an affordable regular doctor. A regular doctor can treat problems early, help patients stay healthy and prevent avoidable ER visits. That can mean your hospital loses less money on care that could have happened in a doctor's office. An average ER visit cost about $2,863 in 2026, across all types of insurance. A cash-pay doctor visit usually costs $40 to $300.

Nonprofit hospitals report their community benefit to the IRS on a form called Schedule H. Helping uninsured patients find a regular doctor is the kind of work that can count as community health improvement. Your community benefit team can confirm how it applies to you.

Average ER visit, across all types of insurance$2,863
Typical cash-pay visit$40 to $300

Foundations and health plans

Private foundations and health plans want to know that the work they back reaches people, gets measurable results and is run well. A health plan is a company or program that pays for its members' medical care. Here is what we can show you.

  • Measurable results. Our directory has connected more than 10,000 uninsured and underinsured patients to a cash-pay physician since 2020. Our Impact page explains exactly how we count each one and what our numbers do not show.
  • Low cost per person. It costs us $149 per patient connected.
  • Governance. Two of our three directors are independent physicians. No director or officer is paid. About 82.7% of our $150,000 budget for 2027 goes to program work, 5.3% to fundraising and 12.0% to management and general costs. Our IRS letter, our conflict of interest policy and a plain explanation of our technology license are on our Transparency page.
  • A track record since 2020. The directory has run since 2020. Our Foundation was formed in 2026 to grow it as a free charity program.

For health plans. Many members have plans with high deductibles. A deductible is the amount a person pays before insurance starts to pay. The average Marketplace deductible hit a record $3,786 in 2026. Members with high deductibles sometimes put off care because of the cost. A cash-pay doctor can be an affordable way for them to see a regular doctor, stay healthy and catch problems early. We do not claim savings for any health plan. We would like to talk about what we could measure together.

Individuals and physicians

Our founder, Harsha Moole, MD, is an internal medicine physician-scientist. That means he is a doctor for adults who also does medical research. He built this directory with his own money, starting in 2020, and he takes no salary. Physicians know better than anyone what happens when a patient has no regular doctor. A regular doctor helps patients stay healthy and makes better health outcomes possible. If that is a problem you want to help solve, we would like to talk.

What our program work includes

Our program works in two steps.

  1. Awareness and education.

    Very few people know about cash-pay care, such as direct primary care and concierge medicine. In a 2021 national survey of 1,000 adults, about two out of three said they were not familiar with direct primary care. So we write plain-language guides and other educational content that show up when people search online. We also reach people through outreach online and offline, and by being present in local communities.

  2. Search.

    Once people reach our directory, they search by city, zip code or medical condition and find a doctor near them.

That work includes these costs:

Outreach.

Reaching uninsured, underinsured and underserved people where they already look for help.

Directory data.

Keeping doctor listings accurate and adding doctors in areas with too few.

Patient guides.

Plain-language guides like the ones on this site.

The platform.

Our Foundation's share of the cost of running the directory, at cost and with no markup. Nothing is owed until our independent directors set a start date for the license fee. Our Transparency page explains the license.

What we do and do not solve

Uninsured and underinsured people face many barriers to care. Cost is only one of them.

Our directory helps a specific group. These are people who can afford a modest amount for care, and who can get to a doctor's office on their own or with help from family or friends.

It does not solve every barrier. Transportation is one of the biggest barriers to care, and our directory does not solve it today. We say this plainly so you know exactly what working with us can and cannot do.

Let's talk

Do you work on health access or the cost of care for a county, a state, a hospital or a foundation? Do you want to partner with us? We would like to hear from you.