How Much Does Concierge Medicine Cost? (2026 Prices)

By Healthcare Expert | Guide | 6 min read
Concierge medicine retainers commonly run $150-$500+ per month — and most practices still bill your insurance on top. Here's the full cost picture, and how it compares to DPC.

What Concierge Medicine Really Costs in 2026

Concierge medicine promises a doctor with time for you — smaller patient panels, longer visits, and direct access. The question is what that access costs. The honest answer: it varies enormously, and the membership fee is usually only part of the bill. This guide breaks down the full cost picture, what the fee does and doesn't include, and how concierge pricing compares to Direct Primary Care, the flat-fee alternative.

Typical concierge medicine price ranges

Concierge practices set their own retainers, and published rates span a wide range. Commonly, concierge memberships run about $150 to $500+ per month (roughly $1,800 to $6,000+ per year) for mainstream practices, while premium and "luxury" concierge programs charge far more — some five figures annually. Location, panel size, physician reputation, and included services drive the spread.

TierTypical published rangeWhat you're paying for
Direct Primary Care~$29-$150+/month (avg ~$91 on Connectedly Health)Flat fee covers your primary care; no insurance billing
Mainstream concierge~$150-$500+/monthRetainer for access; visits usually still billed to insurance
Premium conciergeWell above $500/monthVery small panels, extensive amenities

The part people miss: the retainer is rarely the whole bill

Most concierge practices operate on top of your health insurance. The retainer buys you access — the doctor's availability, longer appointments, same-day scheduling — but office visits, labs, and procedures are typically still billed to your insurer, with your usual copays and deductibles. That means the true annual cost of concierge care is:

  • The membership retainer, plus
  • Your health insurance premiums, plus
  • Copays, deductibles, and coinsurance for the care you receive, plus
  • Any services the practice sells outside the retainer.

Before joining any concierge practice, ask directly: "Beyond the membership fee, what will I still be billed for — by you and by my insurance?"

Is the concierge fee HSA-eligible?

Generally, concierge access fees have not been treated as qualified medical expenses, because they pay for availability rather than care — though practices structure fees differently, so confirm with the practice and your plan administrator. By contrast, Direct Primary Care memberships became HSA-eligible on January 1, 2026 under the One Big Beautiful Bill Act: monthly fees under $150 per individual ($300 per family) qualify as tax-deductible medical expenses you can pay with pre-tax HSA dollars.

Concierge vs Direct Primary Care: the cost math

DPC delivers most of what people actually want from concierge medicine — time, access, and a real relationship with a doctor — at a fundamentally different price point, because DPC practices skip insurance billing entirely. Across the DPC practices listed on Connectedly Health with published pricing, memberships average about $91 per month (median near $80, some from $29), and that flat fee is the cost of your primary care: unlimited visits, same- or next-day access, and direct messaging with your doctor, with no per-visit insurance billing. For a detailed side-by-side, see DPC vs concierge medicine.

Questions to ask before paying a concierge retainer

  1. What exactly does the fee include — and what is billed separately?
  2. Do you bill my insurance for visits? What happens if I'm uninsured?
  3. How many patients are on your panel, and what's your typical wait for an appointment?
  4. Is there a contract term, and what is the refund policy if I leave mid-year?
  5. Would a DPC membership near me deliver the same access for less? (Check the National DPC Pricing Index.)

Bottom line

Concierge medicine can be worth it for people who want premium amenities and are comfortable paying a retainer on top of insurance-billed care. But if what you want is a doctor with time for you at a predictable price, compare Direct Primary Care practices near you first — the average membership costs less per month than many concierge retainers cost per week's equivalent, and the fee actually covers your care.

View the National DPC Pricing Index | DPC vs concierge medicine | Browse DPC providers by state

Frequently Asked Questions

How much does concierge medicine cost per month?

Mainstream concierge practices commonly charge about $150 to $500+ per month (roughly $1,800 to $6,000+ per year), while premium programs charge far more. Location, panel size, and included services drive the wide range, so always check the specific practice’s published rates.

Does the concierge fee cover my medical care?

Usually not. In most concierge practices the retainer buys access — same-day scheduling, longer visits, direct contact — while office visits, labs, and procedures are still billed to your insurance with normal copays and deductibles.

Do I still need health insurance with concierge medicine?

Yes. Most concierge practices bill your insurance for the care you receive on top of the retainer, and you still need coverage for emergencies, hospitalization, and specialists.

Is a concierge medicine fee HSA-eligible?

Generally concierge access fees have not been treated as qualified medical expenses because they pay for availability rather than care, though structures vary — confirm with the practice and your plan administrator. DPC memberships, by contrast, became HSA-eligible on January 1, 2026 for fees under $150 per month individual ($300 family).

How does concierge pricing compare to Direct Primary Care?

DPC is usually far less expensive. Across practices listed on Connectedly Health with published pricing, DPC memberships average about $91 per month, and the flat fee covers your primary care with no insurance billing — versus concierge retainers of $150-$500+ that sit on top of insurance-billed visits.

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