How Much Does Concierge Medicine Cost in 2026? Complete Pricing Guide

Last Updated: April 2026 | Reading Time: 19 minutes

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Quick Answer

• Annual concierge medicine fees range from $1,500 to $25,000+, with the national average sitting around $2,500–$3,500 per year — roughly $200–$300 per month for most patients in 2026
• Direct Primary Care (DPC) offers the budget-friendly entry point at $50–$200/month, covering unlimited primary care visits without the premium add-ons of traditional concierge practices
• Your membership fee does NOT replace health insurance — it covers enhanced physician access, longer appointments, and preventive care coordination, while insurance still handles labs, imaging, specialists, hospital stays, and prescriptions
• Hidden costs can add $500–$5,000+ annually beyond the base membership, including enrollment fees, executive physical upgrades, genetic testing, and after-hours surcharges — always ask for a complete fee schedule before you sign anything

You hear "concierge medicine" and your brain goes straight to private jets, celebrity doctors, and a medical experience reserved for people who summer in the Hamptons.

That picture is wrong for about 85% of the market.

The reality in 2026: most concierge practices serve professionals, families with kids, retirees managing chronic conditions, and small business owners who got tired of 3-week waits and 8-minute appointments. The pricing reflects that. A family practice in suburban Ohio might charge $150/month. A Manhattan internist with a 100-patient cap charges $15,000/year. Both call themselves concierge medicine.

That's the problem. The label covers everything from affordable Direct Primary Care clinics to ultra-premium retainer physicians who accompany you to the hospital and answer your calls from three time zones away. Without understanding the tiers, the models, and the hidden costs, you can't make an informed decision.

This guide gives you the complete picture. Real numbers. Every fee category. The math on whether it actually saves money compared to traditional care. And a city-by-city breakdown so you know what to expect where you live.

If you're still sorting out what concierge medicine actually is, start with our complete guide to concierge medicine first. Then come back here for the money.

What Drives Concierge Medicine Pricing in 2026

Not every $5,000/year practice is created equal. Before looking at specific price tags, you need to understand the seven factors that push costs up or down. This is the difference between overpaying for a label and getting genuine value.

Patient Panel Size

This is the single biggest pricing lever. It's simple math.

A traditional primary care doctor manages 2,000 to 3,000 patients. That's why you get 12 minutes per visit and wait three weeks for an appointment — there aren't enough hours in the day. Concierge physicians cap their panels between 200 and 600 patients. Some ultra-premium doctors limit to 50–100.

If a physician needs $800,000 in total revenue (salary plus overhead, rent, staff, malpractice insurance), here's what each patient needs to contribute:

• 2,500 patients (traditional): $320 per patient — achievable through insurance billing alone
• 600 patients (hybrid concierge): $1,333 per patient — needs a modest membership fee on top of insurance
• 300 patients (mid-range concierge): $2,667 per patient — membership fee does the heavy lifting
• 100 patients (premium): $8,000 per patient — pure retainer territory

Smaller panels deliver more time, more attention, and genuinely different care. But someone has to pay for the doctor's reduced volume. That someone is you. The question is whether the tradeoff is worth it — and for the right patient profile, it absolutely is.

Geographic Location

Location creates a 2x to 4x cost multiplier across the country. The identical level of service that costs $2,200/year in Nashville might run $6,000–$8,000 in San Francisco or Manhattan.

The drivers are obvious: physician salaries scale with cost of living, office rent in Midtown Manhattan is $150/square foot versus $25 in suburban Tennessee, and staff wages follow the local market. A practice in Beverly Hills has fundamentally different overhead than one in Boise.

We'll cover city-by-city pricing in detail below, but the general rule holds: coastal metros cost 40–70% more than Sun Belt and Midwest cities for comparable services.

Practice Model: Three Structures, Three Price Points

This is where most people get confused. "Concierge medicine" actually describes three distinct business models, and each produces a different price range.

Hybrid Concierge practices still accept insurance for covered services — office visits, preventive screenings, lab work. The membership fee covers the premium access layer: longer appointments, direct physician communication, same-day availability, and care coordination. Because the doctor has two revenue streams (insurance + membership), fees stay lower. Typical range: $1,500–$4,000/year.

Pure Concierge practices charge a membership fee and still bill insurance, but the membership represents a larger portion of total revenue. The doctor has fully committed to a small panel and built their financial model around the retainer. Typical range: $3,000–$12,000/year.

Direct Primary Care (DPC) strips insurance out entirely. No billing, no coding, no claims. A flat monthly fee covers all primary care services — unlimited visits, basic labs, phone calls, texts, telehealth. The absence of insurance billing overhead (which consumes up to 40% of a traditional practice's administrative budget) keeps prices dramatically lower. Typical range: $50–$200/month ($600–$2,400/year).

For a deeper comparison of these models, see our guide on DPC vs concierge medicine.

Physician Credentials and Experience

Board-certified internists from top academic medical centers command higher fees than family medicine doctors in community practice. A physician who trained at Johns Hopkins, Mayo Clinic, or Massachusetts General and spent 15 years as a department chief before opening a concierge practice will charge 30–50% more than a younger doctor building their first panel.

Fellowship training matters too. A concierge internist with additional training in cardiology, endocrinology, or sports medicine brings subspecialty diagnostic skills to every visit. That's worth more — and priced accordingly.

Scope of Services Included

The gap between a $2,000 practice and a $10,000 practice often comes down to bundling.

Some practices include comprehensive executive physicals, advanced blood panels, cardiac screening, genetic testing, nutrition counseling, and wellness coaching in the membership. Others charge a base fee for access and time, then bill separately (or through insurance) for every diagnostic and procedure.

Higher sticker prices with more bundled services can actually cost you less in total annual spending than lower sticker prices with extensive à la carte charges. You have to compare apples to apples.

Network vs. Independent

Large concierge networks like MDVIP (1,100+ physicians across 44 states) offer standardized pricing — typically $1,800–$2,200/year. You get consistency, brand recognition, and a proven model. Independent concierge physicians set their own rates and structures. Some charge less; many charge more.

Network practices offer predictability. Independent practices offer flexibility and often a more intimate, personalized experience. Neither is inherently better.

Family and Multi-Member Pricing

Most practices offer discounts for additional family members. The typical structure:

• Spouse or partner: 10–25% discount on the second membership
• Children under 18: 30–50% discount, or included free at some family-oriented practices
• Family caps: Some practices cap total family fees regardless of size (e.g., $8,000 maximum for any family)

These discounts are rarely advertised on practice websites. You have to ask.

2026 Pricing Tiers: What You'll Actually Pay

Here's the complete breakdown across four pricing tiers, based on publicly available practice data, industry surveys from the Concierge Medicine Research Collective and the American Academy of Private Physicians, and our own research across hundreds of practices nationwide.

Tier 1: Budget-Friendly DPC and Hybrid Practices ($1,200–$3,000/Year)

Approximately 55% of concierge-style practices fall in this range. This is the territory of most DPC clinics and hybrid concierge models where the physician still sees a moderately sized panel but offers meaningfully better access than traditional primary care.

You're getting 2–3x more face time per visit, days instead of weeks to get an appointment, and a physician who knows your history without pulling up your chart cold. You're not getting a doctor who flies with you internationally or coordinates your hospital care personally.

Best for: Healthy individuals and families who want better access and longer appointments without a major financial commitment. If your frustration is with the experience of traditional primary care rather than the medical outcomes, this tier delivers the highest value per dollar.

Real-world examples: Many independent DPC practices nationwide, some MDVIP affiliates in lower-cost markets (PartnerMD charges $2,600–$3,600/year depending on location), newer physicians building their patient panels who offer introductory pricing.

Tier 2: Mid-Range Concierge Practices ($3,000–$6,000/Year)

This is the sweet spot for most professionals and families with complex healthcare needs. About 30% of concierge practices operate here. The qualitative shift is real: you get your doctor's personal cell phone number. You text them a photo of your kid's rash at 9 PM and get a response within 30 minutes. Your annual physical runs 60–90 minutes with advanced panels that catch problems years before traditional screening would.

A 2024 survey by the American Academy of Private Physicians found patient satisfaction at this tier exceeds 93%, with the top-cited benefit being "my doctor actually knows my medical history without looking at a chart."

Best for: Patients managing chronic conditions (diabetes, hypertension, autoimmune disorders, thyroid disease), busy professionals who need reliable same-day access, and families wanting a physician who truly knows each family member. This is also where concierge medicine starts making strong financial sense — the preventive focus and reduced ER visits often offset the membership fee over 2–3 years.

For a detailed value analysis, read our guide on whether concierge medicine is worth it.

Tier 3: Premium Concierge Practices ($6,000–$15,000/Year)

Premium practices serve C-suite executives, high-net-worth individuals, and patients with complex multi-system conditions. The panel drops to 100–300 patients, which means your physician has substantive bandwidth for each member.

Annual physicals at this level look nothing like what you get in traditional primary care. We're talking about half-day or full-day health assessments: advanced cardiac imaging (coronary calcium scoring, carotid ultrasound), comprehensive cancer screening panels, full metabolic and hormonal workups, cognitive function assessments, body composition analysis via DEXA scan, and detailed wellness planning with measurable goals.

Many practices at this tier also handle specialist coordination end-to-end. Your concierge physician identifies the right specialist, gets you an appointment within days (not months), sends the relevant records in advance, and reviews the specialist's findings with you afterward. You never fall through the cracks.

Best for: Executives whose time is extremely valuable (the zero-friction access has calculable ROI at high income levels), patients with complex medical histories requiring frequent coordination across multiple specialists, and individuals who want the most proactive preventive approach available in outpatient medicine.

Tier 4: Ultra-Premium and Elite Programs ($15,000–$100,000+/Year)

This is the tier that generates the headlines and creates the misconception that all concierge medicine is for the ultra-wealthy. About 5% of concierge practices operate here, concentrated in New York, Beverly Hills, Miami Beach, San Francisco, and a handful of other ultra-affluent markets.

At $40,000–$100,000/year, you're paying for a physician who might fly with you internationally, manage your entire family's health, coordinate care across multiple countries, and serve as your permanent medical advocate in any healthcare setting worldwide. Practices like WorldClinic and Sollis Health operate at this level.

Best for: Ultra-high-net-worth individuals, celebrities, heads of state, and anyone whose lifestyle demands global, unlimited, intensely personalized medical care. If you need to ask whether this tier is for you, it probably isn't.

Hidden Costs and Additional Fees: What the Brochure Doesn't Say

The membership sticker price is your starting point, not your total cost. Here are the charges that catch people off guard — and the questions to ask before you sign.

Enrollment and Setup Fees

Roughly 30% of concierge practices charge a one-time enrollment fee of $500–$2,000 when you first join. This covers your initial comprehensive health assessment, medical records transfer from your previous physician, baseline diagnostic workup, and practice onboarding.

Some practices fold this into the first year's membership fee. Others charge it separately and don't always mention it upfront. Always ask: "Is there a one-time enrollment or setup fee beyond the annual membership?"

Negotiation tip: Many practices will waive the enrollment fee if you ask directly, especially if you're enrolling with a spouse or family.

Annual Physical Upgrades

Your membership likely includes an annual physical. But the "basic" version included in a $3,000 membership and the "comprehensive executive" version are very different things. The upgrade gap:

If you want the comprehensive version, ask whether it's included before you join — not after.

Genetic Testing and Advanced Diagnostics

Genetic screening panels have become increasingly common in concierge medicine, but they're rarely included in the base membership:

• Pharmacogenomic testing (how your body metabolizes medications): $250–$500
• Cancer predisposition panels (BRCA, Lynch syndrome, etc.): $300–$1,500
• Whole genome sequencing: $500–$2,000
• Advanced biomarker panels (inflammation, hormonal, metabolic): $200–$800 per panel
• Food sensitivity testing: $200–$600

Some practices mark these up significantly from their wholesale cost. Others pass them through at cost or bill your insurance where applicable.

After-Hours and Weekend Surcharges

"24/7 access" means different things at different practices. At some, it's truly unlimited with no additional cost. At others, calls or visits outside business hours carry a $100–$300 surcharge. Telehealth visits on weekends might be free while in-person weekend visits cost extra.

Ask specifically: "Is there any additional charge for contacting you after hours, on weekends, or on holidays?"

Procedure and Lab Markups

A few practices dispense medications directly from the office (convenient) but charge a markup over pharmacy prices. Similarly, some practices run labs in-house but price them above what you'd pay through insurance or a direct lab like Quest or Labcorp.

This isn't necessarily a red flag — convenience has value. But you should know about it before you discover a $200 charge for a test that costs $30 at Quest.

Technology and Platform Fees

Practices with proprietary patient portals, health monitoring apps, or wearable device integration sometimes charge a separate technology fee of $100–$500/year. This is more common at premium tiers where the tech stack includes remote patient monitoring, AI health analytics, or continuous glucose monitoring management.

Annual Fee Increases

Concierge practices typically raise membership fees 3–7% annually. A practice charging $3,000 today could cost $3,500–$4,000 within three years at 5% annual increases.

Some practices lock in your rate for the first 2–3 years. Others cap annual increases at a specific percentage. Get this in writing. "Subject to change" without a cap is a yellow flag.

The one question that reveals everything: "Can you provide a complete schedule of all fees — membership, enrollment, and any additional charges I might encounter during the year?" Any practice that won't give you a straight, written answer is a practice you should walk away from.

The Real Cost Comparison: Concierge vs. Traditional Primary Care

People look at a $3,000–$5,000 membership fee and see only the added expense. But healthcare costs aren't just the doctor's bill. They include insurance premiums, copays, urgent care and ER visits, time lost to appointments, and the downstream costs of missed or delayed diagnoses.

Here's the honest math.

Time Value: The Hidden Savings

The average wait for a new patient appointment with a primary care doctor in 2025 was 26 days, according to Merritt Hawkins' annual survey. Follow-up appointments averaged 14–18 days. Once you're in the office, you wait an average of 18 minutes past your appointment time, then see the doctor for 7–12 minutes.

In concierge medicine, same-day appointments are standard. Office wait times average 0–5 minutes. Visits run 30–60 minutes.

For a professional earning $75–$150/hour, the time savings alone are worth $1,000–$3,000 annually when you factor in eliminated wait times, fewer repeat visits caused by rushed appointments, and no more urgent care trips for things your concierge doctor handles by phone.

Preventive Care: The Clinical Payoff

The data on preventive outcomes is compelling. According to research published in the American Journal of Medicine, concierge medicine patients experienced 60% fewer hospitalizations compared to matched controls in traditional primary care. A 2024 study in JAMA Internal Medicine showed 35% lower emergency room utilization among patients in concierge and DPC practices.

One ER visit costs $2,000–$5,000 on average. One hospitalization averages $13,000–$15,000 even with insurance. Preventing a single hospitalization over a 3-year period can offset the entire cost of concierge membership.

A separate analysis found that patients in concierge practices had 72% higher rates of completing recommended preventive screenings (colonoscopies, mammograms, cardiac assessments) compared to traditional primary care patients. Earlier detection means less expensive treatment.

Side-by-Side Annual Cost Comparison

Here's a realistic comparison for a 45-year-old professional with moderate healthcare needs:

Three things jump out:

1. The gap between traditional and concierge is smaller than expected — roughly $1,700–$2,000/year for dramatically better care
2. DPC paired with a high-deductible plan is the clear budget winner — $3,000–$6,000/year less than traditional care for most patients
3. The time savings alone close most of the cost gap — if your hourly rate exceeds $100, concierge medicine may actually cost less in total

For patients with chronic conditions who see their doctor 8–12 times per year, the math shifts even further toward concierge. Fewer ER visits, fewer hospitalizations, better medication management, and coordinated specialist care can save $5,000–$15,000 annually compared to fragmented traditional care.

How Insurance Works With Concierge Medicine

This is the most confusing aspect of concierge pricing, and practices don't always explain it well. Here's the clear version.

The Membership Fee Is Separate From Insurance

Your concierge membership pays for enhanced access, extended appointment time, and the physician's availability. It is not a medical expense in the way the IRS and insurance companies define it.

That means:

• Insurance does not cover it. No major insurer reimburses concierge membership fees. Not now, not in 2026, and probably not soon.
• It probably doesn't qualify for HSA/FSA spending. The IRS has not issued definitive guidance, but most HSA administrators reject concierge retainer fees because they're classified as "access fees" rather than payment for specific medical services. DPC memberships have a stronger argument for HSA eligibility since they cover actual medical services. Some patients have successfully used HSA funds for DPC, but consult your tax advisor.
• It's generally not tax-deductible as a medical expense unless your total medical expenses exceed 7.5% of your adjusted gross income — and even then, the deductibility of the concierge fee specifically is debatable.

You Still Need Health Insurance

This point can't be overstated. Concierge membership is not health insurance. It does not cover:

• Hospitalizations
• Surgeries
• Emergency room care
• Specialist visits (though your concierge doctor coordinates referrals)
• Advanced imaging (MRI, CT, PET scans)
• Prescription drugs
• Physical therapy or rehabilitation

Many concierge patients strategically pair their membership with a high-deductible health plan (HDHP). The reasoning: your concierge doctor handles most primary care needs and coordinates referrals so efficiently that you're less likely to incur large out-of-pocket costs. The premium savings ($200–$500/month compared to a low-deductible plan) can partially or fully offset the concierge membership fee.

How Billing Actually Works at Most Practices

At hybrid and pure concierge practices that still accept insurance:

1. You pay the annual membership fee directly to the practice (not through insurance)
2. When you visit, your insurance is billed for covered services — annual physicals, acute illness visits, preventive screenings, lab orders
3. You pay copays and coinsurance as usual for those covered services
4. The extended appointment time, after-hours access, care coordination, and enhanced diagnostics are what your membership covers

At DPC practices:

1. You pay a flat monthly fee that covers all primary care services
2. Insurance is not billed for anything within primary care
3. You maintain separate health insurance for specialist care, hospital stays, and emergencies
4. Many DPC practices now partner with employers or health-sharing plans to offer bundled packages

For small businesses, the DPC + catastrophic insurance bundle can reduce total healthcare spending by 20–40% compared to traditional group insurance, according to the DPC Alliance.

Concierge Medicine Costs by City: 2026 Regional Breakdown

Location matters more than almost any other factor. Here's what mid-range concierge practices charge across 15 major U.S. metros in 2026:

Pattern: Coastal metros with high cost of living consistently sit 40–70% above Sun Belt and Midwest cities. But within each city, the range is huge — driven by practice model, panel size, and physician credentials.

Suburban vs. urban: Even within a metro, suburban practices typically charge 15–30% less than downtown locations. A concierge practice in the Chicago suburbs might charge $3,000/year versus $5,000 in the Gold Coast neighborhood.

Where Concierge Medicine Pricing Is Heading

Several market forces are shaping the pricing trajectory beyond 2026.

Demand Is Outpacing Supply

The concierge medicine market has grown 6–8% annually over the past five years. As of 2026, an estimated 25,000–30,000 physicians practice some form of concierge or DPC medicine, up from roughly 20,000 in 2023. But patient demand is growing faster than physician conversion. In high-demand markets, practices that charged $3,000 in 2022 now charge $3,800–$4,200 for the same tier of service.

The physician shortage makes this worse. The AAMC projects a shortfall of 17,800–48,000 primary care physicians by 2034. Fewer doctors means more patients competing for concierge spots, which pushes prices upward.

DPC Growth Is Creating Affordable Options

While premium prices climb, the explosive growth of Direct Primary Care is expanding the accessible end of the market. The number of DPC practices has more than doubled since 2021, with over 2,500 operating nationwide in 2026. DPC's lean model — no insurance billing staff, smaller offices, lower overhead — lets physicians offer genuine concierge-level access at $100–$200/month.

This creates competitive pressure on hybrid concierge practices in the $2,000–$3,000/year range. Why pay $2,500/year for a hybrid model when a DPC practice down the road offers unlimited visits for $1,800?

Employer-Sponsored Concierge Is Expanding

A growing 2026 trend: employers offering concierge or DPC memberships as benefits. A 2025 SHRM survey found approximately 12% of companies with 500+ employees now offer some form of concierge or executive health benefit. Tech companies, law firms, and financial services firms lead adoption.

For employees at these companies, the cost is zero or heavily subsidized. This trend is expanding the market and creating new pricing models oriented toward B2B rather than direct-to-consumer.

Technology Is Changing the Value Equation

AI-powered health monitoring, wearable integration, remote diagnostics, and predictive analytics are expanding what concierge practices can offer without proportionally increasing costs. Practices investing in technology stack can monitor patients continuously, flag changes proactively, and deliver more thorough virtual care.

Some forward-thinking practices now include continuous glucose monitoring analysis, wearable-integrated health dashboards, and AI-analyzed lab trend reports as part of their membership packages. These features add genuine value for minimal incremental cost.

How to Evaluate a Practice Before You Commit

The price tag alone tells you almost nothing. Here's how to assess whether a specific concierge practice is worth the money.

Seven Questions to Ask Every Practice

1. "What is your current patient panel size, and what's your cap?" Anything over 600 patients per physician is a red flag. Under 400 is ideal for mid-range and premium tiers. If they won't answer, walk away.

2. "Can I see a complete fee schedule including all potential charges beyond the membership?" Enrollment fees, physical upgrades, lab markups, after-hours surcharges, technology fees — you want the full picture in writing.

3. "How are after-hours calls handled?" "24/7 access" might mean the doctor's personal cell phone or a nurse triage line. These are vastly different experiences. Ask specifically what happens at 10 PM on a Saturday.

4. "What happens when you're on vacation?" Coverage arrangements matter. Partner physicians? Locum tenens? An answering service? Know who's there when your doctor isn't.

5. "What's your annual fee increase policy?" Get this in writing. Historical increases of 3–5% are normal. 8–10% annual jumps suggest the practice is still figuring out its pricing model.

6. "What's your cancellation policy and refund structure?" Annual memberships with 30–60 day cancellation and prorated refunds are standard. Multi-year commitments or no-refund policies are red flags.

7. "How do you bill labs and diagnostics?" Through your insurance? At cost? At a markup? The billing model for ancillary services can add $500–$2,000/year to your total cost.

Red Flags That Should Make You Walk Away

• Panel sizes over 800 with concierge-level pricing. You're paying a premium without receiving proportional access.
• No written fee schedule. If they can't put it on paper, you'll be surprised later.
• Mandatory multi-year contracts. Reputable practices earn your renewal, they don't lock you in.
• Extremely low prices from solo practitioners. A solo doctor charging $1,000/year for "full concierge" either has too many patients or is about to raise prices dramatically.
• Vague service descriptions. "Personalized care" and "enhanced access" mean nothing without specifics. What diagnostics? What response times? What panel size?
• High-pressure sales tactics. "Only 2 spots remaining!" may occasionally be true, but consistently urgent sales pitches signal a practice focused on selling memberships rather than delivering medicine.

Value Indicators Worth Paying More For

These features justify higher price points and distinguish genuinely premium practices from those that are simply expensive:

• Board-certified internist with subspecialty fellowship training — deeper diagnostic skills mean fewer missed diagnoses
• On-site diagnostics (ultrasound, EKG, spirometry, point-of-care labs) — same-day results instead of separate appointments
• Physician-led care coordination — your doctor personally manages specialist referrals and hospital interactions
• Comprehensive annual health assessment with advanced biomarkers, cardiac imaging, and cancer screening
• Secure patient portal with messaging, full telehealth, and complete access to your medical records
• Proactive wellness programming including nutrition, exercise prescription, sleep optimization, and mental health screening
• Hospital accompaniment — your physician visits you during inpatient stays and coordinates your care team

Frequently Asked Questions

Is the concierge membership fee in addition to health insurance premiums?

Yes. The concierge membership and your health insurance are completely separate costs. Your membership pays for enhanced access to your physician — longer appointments, same-day scheduling, direct communication, and care coordination. Your health insurance continues to cover lab work, specialist visits, hospital stays, surgeries, imaging, prescriptions, and emergency care. Most concierge practices still bill your insurance for covered services during visits. Think of the membership as paying for the relationship and access layer that insurance does not cover. For most mid-range patients, total healthcare spending (membership + insurance + out-of-pocket) runs $12,000–$15,000/year versus $10,000–$14,000 for traditional care — a smaller gap than the sticker price suggests.

Can I use my HSA or FSA to pay concierge membership fees?

In most cases, no. The IRS generally classifies concierge retainer fees as payment for "access and availability" rather than specific medical services, which puts them outside HSA/FSA eligibility. However, DPC membership fees have a stronger argument for HSA eligibility because they're structured as prepayment for defined medical services (unlimited visits, in-office labs, basic procedures). Some patients have successfully used HSA funds for DPC memberships without issues, but IRS guidance remains ambiguous. Any specific medical services you pay for out-of-pocket during concierge visits — copays, labs, procedures — are clearly HSA/FSA eligible. Consult your tax advisor for your specific situation before assuming eligibility.

How much does concierge medicine cost per month?

Monthly costs span a wide range depending on the model. DPC practices typically charge $50–$200/month. Entry-level and hybrid concierge practices run $125–$250/month. Mid-range concierge practices charge $250–$500/month. Premium practices in major metros range from $500–$1,250/month. Ultra-premium programs exceed $1,250/month and can reach $5,000–$8,000/month at the extreme end. The national average for traditional concierge medicine converts to approximately $200–$300/month. Most practices offer both annual (usually at a 5–10% discount) and monthly payment options.

Do concierge doctors accept insurance for medical services?

It depends on the practice model. Hybrid and pure concierge practices typically still bill your insurance for covered medical services — annual physicals, sick visits, preventive screenings, lab orders — while charging the membership fee separately for enhanced access. DPC practices do not bill insurance at all; the monthly membership covers all primary care services directly. In both models, you need separate health insurance for specialist care, hospitalizations, prescriptions, and emergencies. When evaluating a practice, ask specifically whether they bill insurance for office visits and labs, or whether the membership fee is intended to cover everything within primary care.

What's the most affordable way to get concierge-level care?

Direct Primary Care (DPC) is the clear answer. At $50–$200/month ($600–$2,400/year), DPC delivers 80% of the core concierge benefits — longer appointments, same-day access, direct physician communication, unlimited visits — at 20–40% of the cost of traditional concierge. DPC practices keep prices low by eliminating insurance billing overhead, which can consume 40% of a traditional practice's administrative costs. The smartest budget strategy: pair a DPC membership ($150/month) with a high-deductible health plan ($200–$400/month) and fund an HSA with the premium savings. Total healthcare spending for a healthy individual: $4,200–$7,200/year — often less than traditional primary care with a PPO. For more on the differences, read our DPC vs concierge comparison.

Related Reading

• What Is Concierge Medicine? Complete Guide for 2026 — A foundational overview of the concierge model, how it works, and who it serves
• DPC vs. Concierge Medicine: Key Differences and Costs — Side-by-side comparison of pricing, access, and insurance across both models
• Is Concierge Medicine Worth It? Honest Pros and Cons — Balanced analysis of whether the investment pays off for your specific situation
• The Complete Concierge Medicine Guide — Everything about navigating membership-based healthcare from search to enrollment

-- The Concierge MD Finder Team