by Finding a doctor can be tough—especially if you’re dealing with complicated insurance plans. But one Lowell-based physician is changing that by offering healthcare that skips insurance entirely.
Dr. Paul Troost is providing direct primary care through a monthly membership model, giving patients a simpler, more affordable way to access everyday medical care.
“Direct primary care is designed for the working poor,” Troost explained. “For people who either can’t afford insurance or have it, but face huge copays and deductibles. This model gives them access to basic primary care.”
A graduate of Michigan State University’s medical school, Troost spent seven years practicing family medicine in Huron County before returning to West Michigan. His mission now? To bring back the feel of a small-town family doctor who knows their patients personally and sees them regularly.
“These days, people are constantly being referred out for minor issues because primary care doctors are too overwhelmed,” he said.
Through his direct care membership, individuals pay $59 a month, while families pay up to $158 a month. That fee includes everything from annual physicals and lab tests to prescriptions and same- or next-day appointments.
“You don’t need a specialist referral just to get a Pap smear or have a rash checked out,” Troost said. “We handle it all here—like family doctors used to do.”
By cutting insurance companies out of the equation, Troost says he’s able to offer faster, more affordable care—and pass those savings directly to his patients.
“Without the insurance middleman, I handle things myself. It’s quicker, cheaper, and more efficient,” he added.
While there’s no longer a federal tax penalty for being uninsured (as of 2019), experts still advise having coverage in case of serious or emergency medical situations.
For patients like Melissa Rooney, Troost’s model is the perfect balance.
“I used to have insurance, but it was expensive—and I run my own business,” she said. “This gives me access to care without the financial burden.”
As for Troost, the real reward isn’t in the money.
“What I gain is the satisfaction of building real relationships with my patients. I get to know them, spend time with them, and give them the care they truly deserve.”
