Medicine the way it used to be.

Why Direct Care ?

Medicine has become more of a chore than I ever expected.  I want to take care of people and help them be their best, but now I spend more time on the computer or filling out paperwork than I do with patients.  Almost everything I do is to satisfy an insurance company that knows nothing about my patient and only cares about the bottom line.  

We, as Americans, have been spoiled into thinking that insurance should cover everything, when in reality, insurance should be for the major things. Just like car insurance covers big expenses, we don't expect it to pay for new tires, oil changes, etc.  So, medical insurance should be for the more extensive care. That is why I am bringing Direct Primary Care to Jarrell and the surrounding communities.  Direct Primary Care takes the insurance out of the picture and lets the patient and doctor decide what is best. 

What Is Direct Care ?

Direct Care is an arrangement where patients and their doctor contract for agreed services for a low monthly payment.   Because this practice limits the number of patients to 600-700 compared to 2500-3000, the doctor has more time to spend with patients and can provide higher quality, more personalized care.  No insurance is accepted so the overhead costs are much lower.  The monthly fee pays the doctor and minimal staff plus rent and utilities.  Insurance will not dictate what care is provided.  This does not mean you don't need insurance because you do--for specialty care, hospitalizations, etc.  Having a health savings plan can also help you save for those payments.    

This type of practice fosters the physician-patient relationship which is the cornerstone of medicine.  Through this relationship, patients can work with their physician to meet their healthcare goals.  This is the physician who knows your story.  This physician  works for you.

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Services and Fees

Most services by Your Personal MD are available in the office and are included in your membership. That includes unlimited visits which are more relaxed and as long as needed. Sick visits are usually same day or next day for members.  Email and texting are available for questions.  Services include (at no extra cost) in-office tests,  treatments, procedures, and much more. See the member agreement for details. For anything that is not covered by the member fees, I have arranged cost savings including labs at my cost and xrays at significant savings.  If you have insurance, you can use that as well.


Membership Fees

There is a one time registration fee of $150.00 which is a 3 month trial for an individual.  After three months, a monthly fee is charged. Restrictions apply as listed below.  If a family joins, we waive the registration fee and start a monthly fee based on the household but we require a 3 month contract.

Membership fees are age-based:

Member Age                Monthly Fee

Newborn to 19 years                $20*

20 to 44 years                           $50

45 to 64 years                           $75

65 and older                            $100 ^


* requires 1 adult membership (e.g. parent, grandparent, or guardian)

* additional children within a family are $10/month

^ when available.  Due to Medicare regulations, Your Personal MD is unable to provide service to Medicare beneficiaries at this time.

Covered Services

  • All office visits (well-child checks, sick visits, routine gynecological care, annual exams, physicals for school, sports and camp. 

  • Chronic disease management, advice and counseling, prescribing of medications;

  • In-office tests (EKGs, rapid strep, blood glucose, pulse oximetry, urinalysis [dipstick], fecal occult blood, urine pregnancy tests);

  • Communication by phone, e-mail, text, home visits (when deemed appropriate by the doctor);  

  • Laceration repair (tissue adhesive or stitches); including topical or local anesthesia

  • Skin tag/mole removal, skin biopsy, abscess incision and drainage; 

  • Ingrown nail repair, ear wax removal, foreign body removal (e.g. from skin, ear, etc.); and 

  • Basic wound care, splinting or wrapping of sprains, strains or minor fractures.

Non-Covered Services

  • X-rays, CT scans, ultrasounds, and medical imaging.  We have access to very reduced prices for these studies.

  • Outside office blood/other tests, even if samples are drawn in the office.  We have very reduced prices for these tests.

  • Any surgery or procedure not performed in this office (e.g. in a hospital, or another physician’s office).  We have access to Free Market Surgery Centers where prices are bundled and much cheaper.

  • The cost of Immunization drugs

  • Obstetrical care and delivery

  • Durable medical equipment and supplies (e.g. crutches, wheelchairs, walking boots, casts, etc.)

  • Prescription medications

  • Injectable medication

  • Hospitalization or Emergency Room visits

  • Common lab tests that are available for a nominal fee

Even though I don’t cover the costs of these services, I can often help you save money on things on the above list.  Ask me how when you’re in the office!


Chronic Conditions/Diseases that we can treat at Your Personal MD include:

Diabetes, Hypertension, High Cholesterol, Heart Disease, compensated congestive heart failure, hypothyroidism, migraines and other headaches, arthritis, GERD,  ulcers, stable epilepsy, overweight/obesity, asthma, COPD/bronchitis/emphysema, seasonal allergies, eczema.

Acute conditions or illnesses we can treat at Your Personal MD include:

Sore throat, strep, influenza, allergies, colds, bronchitis, sinusitis, pneumonia, asthma attacks, urinary tract infections, STDs, cellulitis, abscesses, sprains, strains, and minor fractures, burns, cuts, and lacerations.


Online Patient Enrollment

The enrollment process will take about 15 minutes. You'll be asked some general questions about your health status and history. A credit card number will be required to complete your enrollment, but it will not be activated until we talk to you.  You can also enroll in person in the office.

Member Agreements

The member agreement describes how membership works in detail, the kinds of services that are covered, and the kinds of services that are not covered. I am happy to answer any questions. If you decide to become a member, I'll need a signed copy of this agreement.

Download the Membership Agreement


Release of Medical Information

From time to time it may be necessary for us to receive information about you from other medical facilities. If you need to complete this form, we'll let you know.

Download the Release of Information form


Privacy Policy

This notice describes how medical information about you may be used and disclosed and how you can get access to this information. Please review it carefully.  We need a signed copy from each patient.

Download the Privacy Policy

Dr. Graham -this caricature was done when I was in 7th grade.

Dr. Graham -this caricature was done when I was in 7th grade.

Dr. Loy Graham

I graduated from UT Health Science Center in San Antonio in 1990. I attended medical school on a Navy scholarship.  Immediately upon graduation I reported to Portsmouth Naval Hospital for an internship in Pediatrics.  I was then sent to Naval Air Station, Kingsville, Texas where I was a general medical officer in a branch medical clinic. After serving  4 years, 3 as  Senior Medical Officer, I returned to finish a residency in Family Practice at Texas A&M/Scott and White in Temple, Texas.

Since residency, I have practiced Family Medicine at Scott and White clinic in Taylor for 8 years and was most recently employed by King’s Daughters Clinic in Temple.  I have a very loyal patient base due to my compassionate care and attempts to provide high quality care in a very complicated system of insurance and regulations.  I strive to be the real family doctor and desire to use my skills to provide high quality care in a setting that will provide satisfaction for both myself and my patients.


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Delma Vargas

Medical Assistant