Tool
Concierge Medicine Cost Calculator
Annual dollar difference
$0
Enter your amounts to compare a year of healthcare costs.
Estimated current annual spending
$0
About $0 per month
- Insurance premiums
- $0
- Out-of-pocket spending
- $0
Estimated annual spending with concierge care
$0
About $0 per month
- Membership fee
- $0
- Insurance premiums
- $0
- Additional expenses
- $0
- Total without the membership fee
- $0
This is arithmetic on your own estimates. It is not a quote, a prediction of your costs, or financial advice. Nothing you type here is saved or sent anywhere.
How Does the Concierge Medicine Cost Calculator Work?
The calculator compares two versions of the same year. The first is what you expect to spend with your current coverage: insurance premiums plus out-of-pocket spending. The second is what you expect to spend as a member: the membership fee, the premiums for whatever insurance you would carry, and the healthcare expenses the membership does not include.
Monthly amounts are multiplied by 12 so that both sides cover a full year. The calculator adds up each side, then subtracts your current total from the concierge total. Blank fields count as $0, but if you enter a current premium, the comparison waits for your expected premium so that insurance is counted on both sides. Results update as you type, and you can change any amount or reset the calculator at any time.
The result is only as good as the estimates you enter. It does not account for tax treatment, employer contributions, changes in how much care you use, or unexpected illness. Do not enter medical details here; the calculator only needs dollar amounts.
What Costs Should You Include?
A fair comparison uses a full year and includes everything you expect to pay.
- Membership fee. Use the amount a practice quotes you, for everyone in your household who would join. Some practices also charge a one-time enrollment fee.
- Insurance premiums. Use what you pay after any employer contribution or subsidy, in both scenarios.
- Out-of-pocket spending. Include deductibles, copays, coinsurance, and prescriptions. Last year's total is a reasonable starting point.
- Expenses outside the membership. Labs, imaging, specialists, and hospital care may be separate, along with dental, vision, and physical therapy.
Fee structures differ, so read how concierge medicine costs are structured and ask each practice for a written fee schedule.
Does Concierge Medicine Replace Health Insurance?
Generally, no. Memberships vary by practice, but a membership is a contract for services from one practice, not an insurance policy. HealthCare.gov's description of minimum essential coverage does not list practice memberships, and a membership will not pay for a specialist, a hospital stay, surgery, or an emergency. Dropping coverage is a significant financial risk to discuss with a qualified advisor.
That is why the calculator asks for your premium in both scenarios. Many concierge practices also bill insurance for covered visits, so your plan's cost sharing may still apply. See how insurance fits with a membership.
If you have Medicare, the same logic applies. Medicare.gov says Medicare does not cover membership fees for concierge care, so you pay the fee yourself. Read more about concierge medicine and Medicare.
How to Compare Concierge Medicine With Traditional Healthcare Costs
Start with the same year of care on both sides. Unless you have a specific reason to expect a change, assume you will use about the same care either way, then adjust only what the membership would actually change. Our guide to concierge medicine versus traditional care explains where the two differ.
If you are considering more than one practice, run the calculator once for each written quote, because what a membership includes changes the additional expenses you should enter. The same applies to direct primary care, which is organized differently from a typical concierge practice. See concierge medicine versus direct primary care.
The calculator shows a dollar difference, not whether that difference is worth paying. For that decision, read is concierge medicine worth it?
Frequently Asked Questions
How much does a concierge medicine membership cost per year?
It varies by practice, and we do not publish an average because no current, reliable national figure exists. The most detailed federal survey used 2004 data and found annual fees from $60 to $15,000, with $1,500 the most common. Fees today differ by practice and region, so use the amount a practice quotes you in writing.
Should I include health insurance in both scenarios?
Yes, if you pay for coverage now or expect to as a member. Concierge memberships generally do not replace comprehensive health insurance, so leaving the premium out of the concierge scenario makes it look cheaper than it would be. If you would keep the same plan, enter the same premium on both sides.
What additional expenses should I expect beyond the membership fee?
It depends on the practice, so ask what is included. Imaging, specialist care, and hospital and emergency care are generally separate. Lab tests and prescriptions are sometimes separate too. If the practice bills your insurance, your copays, coinsurance, and deductible can still apply to visits.
How do I interpret my result?
A plus sign means the concierge scenario costs more for the year than your current costs. A minus sign means it costs less. The figure is only as good as the estimates you enter, and it does not account for tax treatment, changes in how much care you use, or unexpected illness.
Does a lower result mean concierge medicine will save me money?
No. A lower result means the estimates you entered add up to less. A membership does not automatically save money, and your actual costs in a given year may be higher or lower than you expect.
Can I use this calculator for direct primary care?
Yes. Enter the direct primary care fee as the membership fee, then enter your expected premium and any costs the membership does not include. Direct primary care practices generally include visits in the fee and do not bill insurance, which can change what you expect to pay elsewhere.
Sources
- U.S. Government Accountability Office. Physician Services: Concierge Care Characteristics and Considerations for Medicare (GAO-05-929) (2005).
- HealthCare.gov. Minimum essential coverage (glossary).
- Medicare.gov. Concierge care.
We link to primary and authoritative sources where we can. Rules and figures change, so check the linked source for the current version. See our editorial standards.