Inspiration
An option to explore
One Medical
Busy professionals who want better access without going full concierge
$199–$299/year membership + insurance/copaysConfirm current pricing
A better question, a better choice
Concierge medicine: what the extra access buys
Evaluate access and coordination separately from clinical quality. Membership is a service choice, not a promise of better health.
Personal fit. Clear tradeoffs. Room to skip.
The short answer
Extra access needs a clear role in your care.
Evaluate access and coordination separately from clinical quality. Membership is a service choice, not a promise of better health.
Worth considering when
You will use the difference.
- You need more consistent access to a clinician.
- Care coordination is a real administrative burden.
- You understand what the membership adds to existing coverage.
Probably skip it when
A simpler choice serves you.
- Your current care team already meets those needs.
- The appeal is extra testing without a clinical reason.
- The fee is mistaken for comprehensive insurance.
Useful referencesMedicare: concierge care and coverage
Make it personal
Does this sound like you?
Start with your priorities. Matching them is a reason to compare the options, rather than a reason to spend automatically.
What would you like to make easier, better or more memorable?
What the premium should buy
Pay for the useful part.
- A clinician relationship that suits you.
- Clear access, coverage and referral arrangements.
- A written description of what the fee includes.
The smaller alternative
Start one level down.
Discuss your access needs with your current practice before changing care.
The best comparison includes keeping what already works.
The useful alternatives
Compare the level of help.
Costs, benefits and tradeoffs together
THE COST. THE DIFFERENCE.
The options, at a glance.
Compare the useful difference before choosing a provider.
$199–$299/year membership + insurance/copaysPlanning estimate · confirm current price
What it offersSame-day and next-day appointments · App-based scheduling and messaging
What to checkNot full concierge; limited house calls · Quality varies by provider
$100–$250/month per adult (family plans available)Planning estimate · confirm current price
What it offersPredictable monthly cost, no billing games · Extended visits, often 30–60 minutes
What to checkYou still need insurance for specialists, hospital, etc. · Fewer practices in rural areas
$2,000–$6,000+ per person per yearPlanning estimate · confirm current price
What it offersTrue 24/7 access to your doctor · House calls and hotel visits when needed
What to checkAnnual retainer typically $2,000–$5,000+ per person · Still need insurance for hospital/specialist
One Medical
Busy professionals who want better access without going full concierge
Explore this optionListed prices are editorial planning estimates. Check the price unit, included services and a current quote. Price bars appear only for amounts with a shared unit; a missing price is never treated as free.
Price, scope & fit details
One Medical
Membership-based primary care with same-day appointments, digital tools, and in-network insurance acceptance at many locations.
Busy professionals who want better access without going full concierge
Not full concierge; limited house calls · Quality varies by provider · Membership plus insurance/copays · Less suited for complex chronic needs · Some locations crowded
Read the guideDirect Primary Care (DPC) Practice
Monthly subscription primary care with no insurance in the middle—unlimited visits, longer appointments, and often same-day or next-day access.
Families and individuals who want a dedicated PCP without insurance dictating visit length
You still need insurance for specialists, hospital, etc. · Fewer practices in rural areas · Not all DPCs do house calls · Quality and style vary by practice · Some patients miss "one stop" at a big system
Read the guideFull Concierge / Private Practice
Premium primary care with 24/7 access, house calls, travel support, and a single physician or small team dedicated to you and your family.
UHNW individuals and families who want one doctor who knows everything and is always reachable
Annual retainer typically $2,000–$5,000+ per person · Still need insurance for hospital/specialist · Geography limits options · Not every "concierge" practice delivers on access · Can feel excessive if you're rarely sick
Read the guideExplore the options in pictures
Inspiration
An option to explore
Direct Primary Care (DPC) Practice
Families and individuals who want a dedicated PCP without insurance dictating visit length
$100–$250/month per adult (family plans available)Confirm current pricing
Inspiration
An option to explore
Full Concierge / Private Practice
UHNW individuals and families who want one doctor who knows everything and is always reachable
$2,000–$6,000+ per person per yearConfirm current pricing
The details behind the decision
Concierge and direct primary care (DPC) put one primary-care doctor firmly in your corner—same-day or next-day access, longer visits, and no more seven-minute slots. This guide explains the tiers, typical costs, and how to choose a practice that fits your family and your travel pattern.
What Concierge and DPC Actually Give You
- Access: Same-day or next-day appointments; often direct phone, text, or app messaging.
- Time: Visits long enough to discuss prevention, chronic issues, and questions—not just the chief complaint.
- Continuity: One doctor (or small team) who knows your history and can coordinate with specialists.
- Optional extras: House calls, travel support, and 24/7 availability at the high end.
The main difference: DPC is usually a monthly subscription with no insurance in the middle; concierge often implies a higher annual retainer and sometimes more white-glove services (house calls, travel). Both sit on top of insurance for hospital and specialist care.
Tiers at a Glance
- Hybrid / membership (e.g., One Medical): Lower annual fee, still use insurance for visits. Best for people who want better access without leaving the insurance-based system.
- DPC: Monthly fee, unlimited primary care, no insurance billing for that doctor. You still carry insurance for everything else. Best for predictable costs and a real relationship with one PCP.
- Full concierge: Higher annual retainer, 24/7 access, house calls, travel coordination. Best for families and frequent travelers who want a single point of contact for all primary care and coordination.
How to Choose
- Define your must-haves: Same-day visits? House calls? Travel support? Family coverage?
- Check geography: DPC and concierge practices are concentrated in metros; ensure your main residence and travel hubs are covered or that the practice does virtual + travel coordination.
- Meet the doctor: Many practices offer a get-acquainted visit. Ask about after-hours, how they handle referrals, and what happens when they’re on vacation.
- Clarify costs: Membership/retainer plus any out-of-pocket for labs, imaging, or procedures. Pair with a high-deductible or catastrophic plan so you’re not double-paying for primary care.
The questions that matter
A little more clarity.
When is concierge medicine worth considering?
Evaluate access and coordination separately from clinical quality. Membership is a service choice, not a promise of better health.
When should I choose the smaller option?
Discuss your access needs with your current practice before changing care.
Do I still need health insurance with concierge or DPC?
Yes. Concierge and DPC cover **primary care** only. You still need insurance (or a qualified alternative) for specialists, hospital stays, surgery, and major diagnostics. Many people pair DPC or concierge with a high-deductible plan or healthshare.
How much does concierge medicine cost per year?
Hybrid memberships run about $200–$300/year. DPC typically $1,200–$3,000 per person per year. Full concierge often $2,000–$6,000+ per person. Family plans usually reduce per-person cost.
Is concierge medicine worth it if I'm rarely sick?
Worth is subjective. If you value same-day access, longer visits for prevention and screening, and one doctor who knows your full history—and you can afford the retainer—many find it worth it. If you only see a doctor once a year for a physical, a good in-network PCP or a hybrid membership may be enough.
What's the difference between DPC and concierge?
DPC is usually a **monthly subscription**, no insurance involved for that doctor; concierge often implies a **higher annual retainer** and sometimes more services (house calls, 24/7, travel). Both improve access and continuity; the label is less important than what the specific practice actually offers and charges.
How do I find a good concierge or DPC doctor?
Search "direct primary care" or "concierge medicine" plus your city; use DPC Finder or similar directories; ask your financial advisor or family office for referrals. Always do a meet-and-greet and confirm access, after-hours, and costs in writing.
Can my family be on the same plan?
Many DPC and concierge practices offer family memberships at a discounted per-person rate. Confirm who is covered (spouse, kids, dependents) and what happens when children age out.
Before you commit
Ask for the part you actually need.
Discuss your access needs with your current practice before changing care.
Our fit criteria are editorial judgment. Listed prices are planning estimates unless a source and review date are given. Confirm the actual offer, total cost and terms with the provider.