No Insurance, No Problem! How One Doctor is Changing the Payment Model Studies show around 25% of Americans skip going to the doctor even when it’s medically necessary due to the high cost of care. Insurance, copays, premiums, and endless paperwork can be a challenge for both patients and providers. That’s why Voyage Direct Primary Care in the small town of American Fork, Utah is taking a different approach. Patients don’t need insurance to go to the doctor. They get unlimited access to their primary care provider for one low price, paid monthly or annually. As it turns out, patients and providers couldn’t be happier with the results.