Exceptional, Affordable Care Just For You

Take Ownership Of Your Health

Direct Primary Care Physicians

Loveland, CO

Working With You To Achieve Your Optimal Health Loveland, Colorado. 

Direct Family Care of Northern Colorado is a direct primary care (DPC) medical practice. The direct primary care model eliminates all the third parties—like insurance companies and Medicare—to provide affordable, convenient, high-quality medical care directly to you, the patient. By contracting directly with patients, DPC doctors can focus completely on you and your health. No gimmicks. No surprise charges. No co-pays. Just high-quality, evidence-based medicine provided by your own personal physician for an affordable monthly price.
One low monthly fee includes virtually unlimited access to your physician, including telehealth appointments when medically appropriate.

This place is amazing. Dr. Magruder took the time to meet with me to make sure we were a good fit and explain the level of service they could provide. My first visit was exceptional and we covered all of my concerns very thoroughly. She took the time to listen to me, explain things, and never made me feel rushed. This is what quality, affordable healthcare looks like

Alyssa C.

I highly recommend this doctor! This honestly feels like the first doctor I’ve seen in decades that actually cares about my health to the extent that they will look into things concerning my health while I’m not even present for an appointment. I feel as though my best interests are being thought of and that I’m not just the 10 minute appointment they’re late for.

Chad W.

I’ve had a great experience here! Communication is excellent, I’m always able to get an appointment when needed, and Dr. Lentz does absolutely everything to make my experience as easy as possible! Most importantly, Dr. Lentz is compassionate and listens. Thumbs up for the whole team—I have only good things to say!

Melissa S.

What Makes Direct Family Care Different?

Take a moment to think about all the things you don’t like about going to see the doctor…

  • You take off time from work, but all the doctor gives you is a short, rushed visit … and that’s after waiting weeks for your appointment (or hours in a waiting room).
  • Hidden costs, like surprise tests or medications that (it turns out) your health insurance plan doesn’t cover, and you haven’t budgeted for.
  • Struggling to communicate with your doctor, or being seen by or talking to someone other than your own doctor.

Here’s what other doctors won’t tell you… We don’t like this model either! So we opened a clinic designed with you—the patient—at the center.

With Direct Family Care, you can expect

  • Unrushed visits with your personal doctor
  • Same-day and next-day appointments, in person or via a secure phone/video appointment.
  • Quick responses—call us or text us anytime, and you’ll hear back within hours.
  • Transparent, up-front pricing (And for any care that you need outside our clinic, we will always try to find you the best, most cost-effective options for you.)

With the direct primary care model, we’re invested in your health—your long-term health.
We’ll help you navigate the steps you need to take to achieve your best health.
We don’t just want to treat you when you’re sick. We want you to be well.

What is Direct Primary Care?

Direct Primary Care (DPC) means you always have direct, unlimited access to your doctor—without any insurance involvement.

No hidden costs, no surprise bills, no copays.
Just one predictable, flat-rate monthly fee.

General Health Maintenance

  • Unlimited office visits with your doctor
  • Short wait times for appointments (usually same day or next day)
  • Appointments aren’t rushed—a typical appointment is 45 min

Prevention & Wellness

  • Annual preventive medicine physical
  • Vaccine consultations & counseling
  • Lifestyle consultations & counseling

Work/School/Travel Exams

  • Physicals for school sports
  • Travel exams
  • Pre-employment physicals & other work-related health exams

Home Visits (10 mile radius) *With Additional Fee

  • Home visits are available within a 10-mile radius of the office. $50 per-visit fee applies.

Minor Ambulatory Procedures

  • Such as:
    • Skin lesion removals
    • Joint injections
    • Stiches
    • Earwax removal
    • Ingrown toenail care
    • Electrocardiograms (EKGs)

Chronic Disease Management

  • Including:
    • Heart disease
    • Diabetes
    • Depression & Anxiety
    • Osteoporosis
    • Hypertension
    • Obesity

Women's health

  • Women’s health exams
  • Pregnancy testing
  • PAP smears with HPV testing available for $75, a reduced fee

Jennifer McCabe Lentz, MD

Joy Magruder, MD

Our Doctors Want You To Feel Heard Loveland, Colorado.

We want to spend time with you and we want to know your stories. How else can we know what will be the best path ahead for you? Our goal is to help you maintain or
achieve the very best health that you can. When appropriate we have the time to coach you on lifestyle changes as opposed to handing out medication, and in fact we like
nothing more than taking away medications you no longer need! We choose to explain why you should do something instead of just what you should do.

We Understand You May Have Some Questions. We Are Here To Answer Them! 

Is Direct Family Care of Northern Colorado insurance?

No. We are a clinic that contracts directly with our patients to provide primary care services. Our plan is membership-based with a low monthly fee, much like a gym membership.

Do I still need insurance?

Yes. Insurance is for unplanned costly events.

Does this meet the ACA insurance requirements to avoid tax penalties?

No, not by itself. It is not insurance. However, the ACA (Affordable Care Act) does allow this to meet the minimum requirement if it is combined with a health sharing plan or a high deductible health plan (HDHP). These plans are referred to as “bronze level plans” and can be found on www.ehealthinsurance.com

Who determines which health care services I can have?

Joining our clinic will give you a pure relationship between your doctor and you. 100% of your health care decisions will be determined by you and your physician, not an insurance company. nobody outside the exam room decides your health care, unless you allow it. 

What if I need medications?

We at DFC will be dispensing medications for wholesale prices plus 10% which can save you significant money every month, and we do our best to find you the least expensive alternatives for the meds you need.

How can I enroll?

Click on the Register/Contact button on our website which will take you to an enrollment form. We will open on January 2, 2018, and so at this time you can pre-enroll and will not be charged until January 2.

Are there any exclusions for pre-existing conditions?

No. There are no pre-existing condition exclusions and there are no increases in the membership fee based on prior health history. In fact, those with chronic medical conditions are perfect for DFC. 

Is this concierge medicine?

If providing a high quality of care is “concierge”, then maybe we are. DFC will provide attention to detail that is missing in most medical practices. You will always see a healthcare provider that will work for YOU, not a corporate employer. Expect same or next day appointments for urgent conditions; extended visits; direct coordination of care; messages returned and prescriptions filled in a timely manner; office staff that knows you; and care provided in a clean and comfortable environment. 

Our patients are treated as we would expect our family to be treated.

I am currently enrolled in Medicare, but the DFC prices are less expensive than I pay with Medicare. Can I become a DFC member?

Yes. We have opted out of taking Medicare so you can enroll to be a member with us. 

Can you send me to specialists?

Absolutely – but with our online consults with nation-wide specialists we might save you the cost and time of a local “insurance priced” visit.

I own a business. Can I provide DFC membership to my employees?

Of course. Ask about our special corporate pricing. 

Although we aren’t a worker’s compensation provider since we don’t charge for our services, we can treat minor work related problems without any difficulty, often saving a claim on your worker’s compensation policy.

What if I decide to cancel?

We expect to have an open, honest, respectful relationship with you. If you have voiced a complaint that we cannot satisfy together, either party can terminate the membership with 30 days of notice. 

If you do decide to cancel within the first 3 months of membership you will be charged fair market prices for all services rendered up to that point. 

How can this be so inexpensive?

Primary care physicians are known for their ability to provide comprehensive high quality care at low cost. For decades, insurers and government agencies have relied on the tremendous cost savings PCPs provide in order to reduce the cost of care. Unfortunately when insurers combine the inexpensive primary care with higher cost medical treatments, procedures and medications it raises the cost of routine care for everyone and creates a barrier to access. 

At Direct Family Care of Northern Colorado (DFC), we believe that everyone should be able to afford primary care. We have separated primary care from those high cost services to create our membership-based primary care package which gives you back affordable routine services. By combining all of the routine and necessary services into a low monthly fee, our members enjoy an affordable patient centered medical home with true price transparency. 

With DFC, 100% of your expense goes towards your health care and we pass the savings on to you.

I am already paying a monthly fee for health insurance. Why do I need DFC?

In most cases, patients save money by choosing a HDHP and paying directly for medical care through DFC.


At DFC, we don’t believe insurance should be used for routine, expected medical care. You don’t use your car insurance to pay for gasoline or oil changes. You don’t use your homeowner’s insurance to pay for lawn maintenance or make minor repairs. Why would you use health insurance for a cold, to treat diabetes or treat high blood pressure? Health insurance should be there to cover unexpected or high ticket medical costs. We will make the routine medical care cost less than you pay for your cell phone. 

How can I save on insurance costs by being a patient of DFC?

Many times patients purchase expensive plans that require little or no co-pay and that cover all lab costs and prescription costs. However, with DFC your membership covers your office visits at our practice, in-office tests and many procedures without co-pays or hidden charges. Combined with our discounted labs and imaging our patients may find it worthwhile to change from a high priced health insurance plan to a low cost basic health insurance plan to potentially save thousands.

What if I need to go to the hospital?

This program does not cover hospital care. This is why we suggest you look into a high deductible health plan (HDHP) for catastrophic coverage. Should you require admission to the hospital, we will be glad to coordinate that for you.

What does the access fee cover?

The fee covers excellent primary care through  office or telemedicine visits, annual wellness exams, basic office procedures, in-office testing, treatment of acute illness and access to your doctor after hours via telemedicine, all with minimal to no wait times in the office.

Our patients will also have access to discounted labs and imaging. 

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126 W Harvard St. Suite 1, Fort Collins CO 80525    |    970-632-4931


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126 W Harvard St. Suite 1
Fort Collins CO 80525