The people behind Upsurance
Upsurance is one founder on Long Island and a handful of independent doctors and dentists who agreed to do something most practices won't: publish their prices and take patients without insurance. These are the ones who said yes first.
Jake Bernesby
I started Upsurance because I kept watching people on Long Island skip the doctor over a bill they couldn't see coming. The prices exist. The practices know them. Nobody was writing them down in one place.
So that's the company: every price published before you book, a doctor and a dentist you can actually reach, and for small businesses, one invoice instead of an insurance broker. I run it myself, I answer the phone myself, and I visit every practice on this page before it goes up.
If you own a business with 2 to 50 people and you've never been able to offer a health benefit, call me. It's a ten-minute conversation.
Our founding doctors
Direct primary care practices: a flat monthly membership instead of a bill per visit, no insurance billed. Each one took a meeting and agreed to a fixed employer rate; most let members join online through Upsurance.
Huntington Direct Primary Care
Stephen Andreoni, MD — board-certified family medicine
Trained at Brown and spent years in traditional practice before opening his own office in 2024 with a smaller patient panel. Unlimited visits, same- or next-day appointments, a direct line to the doctor, open until 8 on weeknights and Saturdays until 7. Agreed to a $115 monthly rate for Upsurance members, the lowest on Long Island.
Founding partnerJoin online
AprilMD
Ruth Solomon, MD — board-certified family medicine
Named the practice after her mother and keeps the panel small on purpose. Unlimited in-office and virtual visits, direct phone and text access, same- or next-day appointments, EKG and rapid testing in the office, Saturday morning hours.
Founding partnerJoin online
Core Care Pediatrics
Kristina Hinrichs, MD — board-certified pediatrician
A Long Island native and a mother; pediatric residency at Maimonides in Brooklyn, then PM Pediatrics urgent care before founding Core Care. 24/7 access, same-day appointments and home visits, priced per child and capped at three.
Founding partnerJoin online
Safe Harbor Medical
Zena Joseph — family medicine
An attending physician on Long Island since 2012 and faculty at Stony Brook. Newly opened as direct primary care: hour-long visits by appointment, a limited membership so same- or next-day openings are the norm, telehealth for New York residents.
Founding partnerJoin online
U Care MD
Kuan-Yu Chen, MD — board-certified family medicine
For Long Islanders who work in the city: a family physician in The New Yorker building by Penn Station, open daily 8 to 7 by appointment, fluent in Mandarin. Evidence-based, lifestyle before medication, no unnecessary tests.
Join onlineOur founding dentists
Independent dentists with their own membership plans: cleanings, exams and X-rays for a flat yearly price, and a set discount on everything else. No deductible, no annual maximum, no waiting period.
Sheila Ahadian DDS
Sheila Ahadian, DDS — NYU College of Dentistry
More than ten years in Huntington and an attending dentist at NewYork-Presbyterian; family and cosmetic dentistry with laser treatment, Invisalign and TMJ care. The most affordable dental membership on Long Island: $100 a year, a $175 first visit with exam, cleaning and X-rays, and 20–40% off everything after. Dr. Ahadian manages her own listing on Upsurance.
Founding partnerJoin online
Innovative Dental Care
Joseph R. Morris, DDS — NYU College of Dentistry, Associate Clinical Faculty
Over 30 years in Islip; completed NYU's implant program and helps organize its lecture series. Publishes four plans with every visit spelled out, from a $300 children's plan to a $576 periodontal plan, each with two cleanings, exams, X-rays and an emergency exam.
Founding partnerJoin onlineWhat "founding partner" means. These practices joined before Upsurance had a track record to point to. They agreed to a fixed rate for members and employers, they let us publish every price, they get 100% of that rate, and our fee is a separate line that never comes out of what they're paid. Nothing on this site is pay-to-play: a practice can't buy a higher spot, and we don't take referral fees.
What Upsurance is not. Not an insurance company, not a health plan, not a provider. Memberships are between you and the practice; we handle the sign-up, the billing and the receipts.
Run a practice that publishes its prices?
Direct primary care doctors and dentists with a membership plan on Long Island or in NYC can list for free, keep 100% of their rate, and be put in front of local employers.
Talk to Jake about listing →Upsurance (upsurance.co), Port Washington, NY · (516) 927-2771 · hello@upsurance.co. Prices mentioned on this page are the practices' own published rates as of October 2026 and can change; each practice's listing is the final word.