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What does a nurse practitioner (primary care) do?

A nurse practitioner (NP) is a licensed nurse with a graduate degree who can diagnose and treat illness, order tests, and prescribe medicine. Many NPs act as a patient's primary care provider.

Last updated November 11, 2026

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When people see one

  • Yearly checkups and vaccines
  • A new illness or injury
  • Ongoing conditions like asthma or diabetes
  • A quicker appointment than a physician offers

How it differs

Physician assistant: NPs train in a nursing model and often focus on one patient group. PAs train in a medical model and are licensed to work across specialties.

Family medicine doctor: A family medicine doctor is a physician (MD or DO). An NP is a nurse with advanced training.

On 2027 Colorado plans

Do you need a referral? No. You don't need a referral for primary care.

What a visit costs (the plan's filed "Other Practitioner Office Visit (Nurse, Physician Assistant)" benefit, in network, before any extra savings on silver plans):

  • Bronze: $25 to $50 a visit on 23 of 56 plans; on the other 33, you pay toward your deductible or a share of the bill.
  • Silver: $0 to $90 a visit on 53 of 58 plans; on the other 5, you pay toward your deductible or a share of the bill.
  • Gold: $0 to $70 a visit on 26 of 30 plans; on the other 4, you pay toward your deductible or a share of the bill.

In-network care costs less. Out-of-network visits on an HMO or EPO usually aren't covered except in an emergency.

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In Colorado

Public records list 6,627 primary care nurse practitioners at 2,499 Colorado locations. Colorado shows 18,696 active licenses of this kind, including people who don't see patients or work out of state.

Counties with the fewest: Ouray (1), Mineral (1), Kiowa (1), Gilpin (1), Crowley (1). 4 counties have none.

Questions to ask the office

  • Are you taking new patients?
  • Which 2027 plans do you take? Ask for the plan's network name, not only the insurance company.
  • Is the NP listed as my primary care provider on my plan?
  • Which physician works with this NP if I need more care?

Sources

Want help finding primary care nurse practitioners on your plan?

A licensed Grove advisor can answer your question at no cost. Insurance companies pay us, and your premium is the same either way.

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