How Much Does Concierge Medicine Cost? A 2026 Pricing Guide for Families

If you have started researching concierge medicine, the first question is almost always the same: how much does it cost, and what exactly are you paying for?

Annual concierge medicine fees in the United States typically range from $2,000 to $40,000 or more per year, depending on patient panel size, scope of services, physician expertise, and location. The investment you settle on says less about price and more about the kind of long-term relationship you want with your primary care physician.

What This Pricing Guide Covers

This guide breaks down the typical concierge medicine cost across membership tiers and the drivers behind each price point. We will cover what is actually included in a concierge medicine membership, how a Health Savings Account (HSA) or Flexible Spending Account (FSA) interacts with the model, and how to evaluate whether to invest in personalized medicine for your family.

We will also help you compare concierge medicine vs direct primary care (DPC), a related but lower-cost subscription-based model some families consider to manage long-term healthcare spending.

Concierge Medicine Cost at a Glance: What to Expect Per Year

The simplest way to think about concierge medicine pricing is in three pricing tiers. Each reflects a different patient panel size, level of physician access, and depth of preventive care.

Most concierge practices charge an annual membership fee, billed monthly, quarterly, or per year, that covers enhanced access and physician time but does not replace your health insurance. You can find a Nivaan concierge doctor near you if you are evaluating South Florida options.

The Three Pricing Tiers: From $2,000 to $40,000+ Annually

Across the U.S., concierge medicine cost falls into three pricing tiers, each tied to patient panel size and scope of services.

Entry Tier: $2,000 to $5,000 Per Year

The entry tier serves patient panels of several hundred members and includes longer visits than traditional primary care plus basic 24/7 physician access. This is the average cost of concierge medicine reported by national surveys, and the price band where concierge medicine and direct primary care overlap.

Mid Tier: $5,000 to $15,000 Per Year

The mid tier features smaller patient panels, comprehensive preventive care, executive physicals, deeper care coordination, and proactive care planning. Mid-tier practices in metropolitan areas typically provide telemedicine, virtual consultations, and after-hours access on top of in-office visits.

Premium Tier: $15,000 to $40,000+ Per Year

The premium tier runs ultra-small panels, often 50 to 100 families per physician, with bespoke longevity protocols, advanced diagnostics, and comprehensive care navigation. This tier emphasizes intentional discretion and unhurried physician attention.

What Determines Where a Practice Sits in This Range

Where a concierge practice falls depends on how many members each physician serves, what is bundled into the membership, and the level of in-home, telemedicine, or virtual access provided. Practices that publish their tier structures and inclusions make comparison easier; many concierge doctors disclose fees only after a discovery call.

How Nivaan Health Structures Its Two Memberships

Nivaan Health offers two membership tiers, both built around 24/7 direct physician access to Dr. Goswamy and Dr. Chopra and in-home care delivery as the default. Specific pricing is shared during a private discovery call.

Nivaan Essence

Essence is the foundation of the practice and suits individuals seeking evidence-based concierge medicine with depth and personal attention. Care is delivered end to end: the physician coordinates diagnostics, referrals, and follow-up directly, so members never navigate the system on their own. The membership covers comprehensive concierge care: 24/7 direct physician access, in-home physician visits and urgent care, a comprehensive annual health assessment, advanced diagnostic and lab testing, metabolic and hormonal optimization, a physician-supervised GLP-1 program with body composition tracking, in-home IV therapy, specialist coordination and hospitalization continuity, a personalized healthspan and prevention roadmap, precision supplement strategy, and physician-coordinated psychological wellbeing support. Physician accompaniment to specialist appointments is available as an optional add-on.

Nivaan Nirvana

Nirvana includes everything in Essence and expands the scope around unrivaled access and complete personalization. The membership adds unlimited in-home consultations and monthly physician visits, biannual executive physicals with biometric optimization, expanded IV longevity therapies, Galleri multi-cancer early detection testing, whole-body MRI, Cleerly AI-powered cardiovascular imaging, biometric and wearable integration, private black car medical transportation, physician accompaniment to specialist visits both domestically and internationally, and access to regenerative and longevity therapies as they become clinically validated. Together, the Galleri test, whole-body MRI, and Cleerly imaging form a longevity diagnostic suite built to surface cancer and cardiovascular risk years before symptoms appear.

Family membership plans are available across both tiers.

Monthly vs. Annual Membership Fees: How Practices Bill

Most concierge medicine memberships translate to a monthly fee somewhere between $170 and $3,300 per month, depending on tier. Concierge practices typically offer flexible billing: monthly for cash-flow predictability, quarterly as a middle ground, or an annual fee that often includes a 5 to 10 percent discount.

A few details worth checking before you enroll in any concierge medicine membership:

• Setup or onboarding fees of $500 to $2,000 at some concierge practices, covering initial intake and baseline diagnostics.
• Cancellation notice of 30 days, common across the concierge medicine industry.
• Family discounts of 10 to 25 percent for additional members, plus reduced rates for young adults and seniors at many practices.

The annual membership fee is rarely the whole story. The next section explains what actually drives the variation between a $3,000 concierge medicine membership and a $30,000 one.

What Drives Concierge Medicine Pricing?

Concierge medicine pricing is not arbitrary. Each price point reflects how the practice operates, who the concierge physicians are, and what the membership includes. The factors below shape concierge medicine pricing tiers across the industry.

Patient Panel Size and 24/7 Physician Access

Patient panel size is the single biggest concierge medicine cost driver. Traditional primary care physicians manage 2,000 to 3,000 patients. Concierge doctors typically cap their panel between 200 and 600 members, and premium-tier practices restrict it to 50 or 100 families per physician.

That reduction enables same-day appointments, extended visits, and direct physician access by phone, text, or video. True 24/7 access requires the physician to actually be available, which limits how many members one concierge doctor can serve. The smaller the panel, the higher the membership fee.

Scope of Services — Functional Medicine, Diagnostics, and In-Home Care

Two concierge medicine memberships at the same price point can deliver dramatically different scope. Some concierge practices focus narrowly on enhanced primary care access. Others bundle functional medicine in Miami, integrative protocols, advanced diagnostics, hormone optimization, and in-home care delivery into the same membership fee.

In-home care is one of the larger pricing levers. An in-home house call doctor service requires more physician time per visit and meaningful logistical investment, which adds $100 to $400 per month in many concierge practices. Practices that include functional medicine and longevity medicine alongside primary care can charge more because they replace what would otherwise be three or four separate specialist relationships.

Geography, Physician Expertise, and the Dual-Physician Model

Geography matters. Concierge practices in metropolitan areas like Miami, New York, and San Francisco face higher overhead, so concierge medicine fees in those markets typically run 20 to 35 percent above smaller communities for comparable service packages.

Physician credentials are the other lever. Board-certified physician credentials, academic affiliations, and specialized training in functional medicine or longevity command higher fees because the expertise is scarcer.

A practice built around Dr. Vikas Goswamy and Dr. Priyanka Chopra's combined expertise, pairing emergency medicine with internal and functional medicine, is structurally different from a single-physician concierge practice. This is part of what sets Nivaan Health apart and the kind of structural difference that shapes where any concierge practice sits within the broader pricing landscape.

Like most upper-tier concierge practices, Nivaan Health discloses specific Essence and Nirvana membership pricing during a private discovery call rather than publishing rates publicly.

Schedule a Discovery Call to Discuss Membership Options

Pricing for any concierge practice is most useful in context. The right starting point is a private conversation about your family's health, not a published rate card.

What's Actually Included in a Concierge Medicine Membership?

The concierge medicine membership fee is not buying medical care in the conventional sense. It buys time, access, and care coordination — the structural elements that make the relationship work — and then bundles a varying set of services on top depending on tier. The medical care itself still flows through the same diagnostic and specialist infrastructure your insurance already covers.

Same-Day Appointments, Extended Visits, and Direct Physician Access

The baseline of every concierge medicine membership is the access itself. That includes:

• Same-day or next-day appointments
• Extended visits of 30 to 60 minutes, and often multi-hour annual exams
• Direct physician access by phone, text, or video
• Telemedicine and virtual consultations for traveling members
• Continuity of care with the same board-certified physician across every visit

For families used to seven-minute appointments and three-week wait times in traditional primary care, the most striking difference is the absence of long wait times. After-hours availability is built into the membership, not billed separately.

In-home members often add at-home biometric and VO2 max testing that traditionally requires a separate visit.

Preventive Care, Executive Physicals, and Advanced Diagnostics

Preventive depth is where mid- and premium-tier memberships earn their fees. Most include an extended annual physical or executive physical, a structured executive health program, a comprehensive wellness program, hormone optimization, and preventive screenings. Premium memberships layer in advanced diagnostics that traditional primary care does not offer at all.

At the higher end, that often includes Galleri multi-cancer early detection testing, whole-body MRI, biomarker tracking, and continuous wearable integration. It also extends to cardiac imaging: CLEERLY cardiac risk assessment uses AI-powered coronary CTA to identify cardiac risk years before standard stress tests would.

These tools find root cause issues early rather than treat symptoms reactively. When bundled into a concierge medicine membership alongside functional medicine, longevity medicine, and pediatric care for younger family members, the per-member out-of-pocket cost drops compared to ordering the diagnostics à la carte.

Care Coordination and Healthcare Navigation Beyond Primary Care

The least visible part of a concierge medicine membership is often the most useful: care coordination. Where traditional medicine often produces fragmented care, concierge care coordination usually covers four ongoing functions:

1. Specialist referrals and selection. Concierge physicians personally select specialists, attend referrals when warranted, and prevent the gaps that lead to fragmented care.
2. Medication management. Reviewing prescriptions and prescription medications across providers, eliminating redundancies, and optimizing protocols.
3. Chronic disease management. Coordinating long-term plans for chronic conditions where continuity of care matters most.
4. Hospital continuity. Coordinating admissions, discharge planning, and follow-up so a hospitalization does not become a coordination crisis.

It also covers therapeutic programs that span months. GLP-1 metabolic transformation programs and similar long-form protocols are typically physician-led, with body composition analysis and metabolic monitoring built in. Some concierge practices include them in the membership; others offer them as standalone programs available without a full membership commitment.

Concierge Care That Comes to You

Nivaan Health delivers all of it through one physician-led membership: same-day access, advanced diagnostics, and full care coordination, brought directly to your home, day or night.

How Insurance, HSAs, and FSAs Fit Into Concierge Doctor Costs

One of the most common misconceptions about concierge medicine is that the membership fee replaces health insurance. It does not, and understanding the distinction between concierge medicine and health insurance is critical to evaluating the real concierge medicine cost.

Why Membership Fees Aren't Covered by Health Insurance

The membership fee covers access, physician time, and care coordination, services that insurance does not pay for in any model. Insurance still applies to lab work, imaging, specialist visits, prescription medications, hospitalizations, and emergency care, regardless of whether your primary care relationship is concierge or traditional.

Medicare beneficiaries should know the membership fee cannot be billed to Medicare. Medicare continues to cover its standard benefits for covered services, but the concierge membership itself is paid out of pocket on top.

Most insurers do not reimburse the membership fee itself. You pay your existing premiums, deductibles, and co-pays for covered services, and you pay the concierge membership on top. The math only works if proactive care delivers value beyond what insurance-based primary care provides. That is why transparent pricing matters: hidden costs, hidden fees, setup fees, and surprise add-ons can quickly erode the value of an otherwise reasonable membership. Read the cancellation policy carefully too.

Using HSA, FSA, and Out-of-Network Reimbursement to Offset Costs

Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) can offset some concierge medicine costs with pre-tax dollars, depending on how the concierge practice structures its billing.

Here is what typically qualifies for HSA or FSA reimbursement and what does not:

• Often eligible: Lab work, diagnostic testing, preventive screenings, executive physical exams, and specific treatments billed individually.
• Rarely eligible: The base annual membership fee itself, which the IRS generally classifies as retainer-based.
• Sometimes recoverable: Out-of-network reimbursement through a PPO health insurance plan, when the concierge practice provides itemized receipts for medically necessary services.

Direct-pay practices that operate outside insurance networks usually issue itemized receipts so members can submit for partial reimbursement. The actual recovery depends on your specific plan, but the tax savings on HSA-eligible services can meaningfully reduce the real cost of concierge medicine depending on your tax bracket.

Talk to Our Team About Coverage and Reimbursement

Every plan is different, and the math changes based on your specific situation. A short conversation can clarify what will and will not be reimbursable before you commit.

Is Concierge Medicine Worth the Cost?

Whether concierge medicine is worth it depends on your situation. The question is not whether concierge medicine costs more than traditional primary care. It does. The real question is whether what you get in return represents value at the membership fee you are paying: time saved, problems caught early, avoided ER visits, and a primary care physician who actually knows you.

How to Tell If the Model Fits

For some families, the answer is clearly yes. For others, traditional insurance-based primary care is the right fit. The sections below help you tell the difference, and compare concierge medicine vs direct primary care where relevant.

The Preventive Care Argument: Why Members Pay More Up Front

The financial case for concierge medicine rests on its preventive focus. When members have direct physician access at any hour, they stop defaulting to the emergency room for concerns that could be handled by phone, video, or a same-day visit. Problems get caught earlier because the physician knows the patient's baseline and can act on subtle changes traditional primary care often misses.

Where That Preventive Depth Shows Up

That preventive depth shows up across the care relationship. Medication regimens get reviewed and consolidated rather than accumulating across disconnected providers. Chronic conditions are managed before they decompensate. Specialist referrals happen earlier, with the right specialist the first time. Hospitalizations, when they happen, are coordinated rather than chaotic.

What the Membership Fee Actually Buys

The membership fee buys the structural conditions for that kind of care: smaller patient panels, longer visits, continuity with one physician, and time for the proactive conversations that don't fit into a seven-minute appointment.

The Clinical Case for Proactive Medicine

According to the Centers for Disease Control and Prevention, 80 percent of strokes are preventable, and The Lancet Commission has reported that up to 45 percent of dementia cases may be preventable or delayed. The clinical case for proactive medicine is strongest when there is time and continuity to act on it.

The math only works when prevention is real. A concierge medicine membership that buys access without changing how care actually happens is paying premium prices for the same outcomes.

Who Concierge Medicine Is (and Isn't) Right For

Concierge medicine tends to be a strong fit for five core audiences:

• Busy executives and business owners whose time has measurable financial value.
• Families with young children who want pediatric house calls and unhurried visits.
• Adult children coordinating care for aging parents from a distance.
• People with complex chronic conditions who need a physician who knows their full history.
• Health-optimization-focused individuals interested in functional medicine, integrative medicine, and longevity.

It tends not to be the right fit for people in good health who rarely see a doctor, those whose insurance-based primary care relationship already feels attentive and accessible, or anyone for whom the membership fee creates real financial strain. If you are evaluating concierge medicine across South Florida, the discovery call is the right place to test whether Essence, Nirvana, or another model matches what your family needs.

Begin Your Journey With a Conversation, Not a Commitment

Pricing matters, but fit matters more. Start with a private discovery call to talk through your family's care, your priorities, and whether a Nivaan Essence or Nivaan Nirvana membership makes sense for where you are.