Concierge Medicine Calculator
Your Current Insurance
Traditional Insurance vs Concierge + Catastrophic Plan
Annual cost comparison for different usage levels (age 40, moderate health)
| Usage Level | Traditional Total | Concierge Total | Savings | Better Option |
|---|---|---|---|---|
| Low (2 visits/yr) | $6,400 | $4,800 | $1,600 | Concierge |
| Moderate (6 visits/yr) | $7,600 | $4,800 | $2,800 | Concierge |
| High (12 visits/yr) | $9,200 | $4,800 | $4,400 | Concierge |
| Chronic condition | $11,500 | $8,200 | $3,300 | Concierge |
| Major surgery year | $13,000 | $14,500 | -$1,500 | Traditional |
| Multiple specialists | $14,800 | $12,000 | $2,800 | Concierge |
How We Calculate This
This concierge medicine calculator uses established formulas and industry-standard data to provide accurate estimates.
- Enter your specific values into the calculator fields above
- Our algorithm applies the relevant formulas using your inputs
- Results are calculated instantly in your browser — nothing is sent to a server
- Review the detailed breakdown to understand how each factor affects your result
These calculations are estimates based on standard formulas. For critical decisions, always consult a qualified professional.
How to Convert Oven Recipes to Air Fryer
This calculator compares the total annual cost of your current traditional health insurance against a concierge/direct primary care (DPC) membership combined with a high-deductible catastrophic insurance plan.
The basic rule:
- Traditional cost = premiums + deductible spending + copays + prescription costs
- Concierge cost = DPC membership ($150-300/month) + catastrophic plan premium ($150-250/month based on age) + wholesale Rx pricing
- DPC includes unlimited office visits, basic labs, and some procedures at no additional cost
- Catastrophic coverage handles hospitalizations, emergencies, and specialist care above the deductible
Concierge/DPC works best for generally healthy people who want excellent primary care access and are comfortable with higher exposure for catastrophic events. It may not be ideal for those with chronic conditions requiring frequent specialist visits or expensive medications.
When Would You Use This Calculator?
This concierge medicine calculator is designed for anyone who needs quick, reliable estimates without complex spreadsheets or professional consultations.
- When you need a quick estimate before committing to a purchase or project
- When comparing different options or scenarios side by side
- When planning a budget and need to understand potential costs
- When you want to verify a quote or estimate you've received from a professional
- When teaching or learning about the concepts behind these calculations
Frequently Asked Questions
What is concierge medicine / direct primary care?
Concierge medicine and Direct Primary Care (DPC) are membership-based healthcare models where patients pay a monthly fee ($150-300) directly to their doctor. In exchange, they get unlimited office visits, same-day/next-day appointments, longer visits (30-60 min vs 7-15 min), direct phone/text access to the doctor, and often basic labs and procedures included.
Do I still need insurance with concierge medicine?
Yes, for catastrophic coverage. DPC covers primary care but not hospitalizations, surgery, emergency room visits, or specialist care. A high-deductible catastrophic plan (typically $150-250/month) covers these major expenses. The combination often costs less than comprehensive traditional insurance.
What about prescriptions with DPC?
Many DPC practices offer wholesale medication pricing, cutting costs 50-90% compared to pharmacy retail prices. Common generics may cost $5-15/month through your DPC doctor. For expensive brand-name medications, you may still need pharmacy benefit coverage, which some catastrophic plans include.
How many DPC practices are there?
There are over 2,500 DPC practices in the US as of 2025, up from about 1,000 in 2020. The model is growing rapidly, especially in areas with physician shortages. Typical DPC doctors have 400-800 patients compared to 2,000-3,000 in traditional practices, allowing more personalized care.
Is concierge medicine only for wealthy people?
Not anymore. While some concierge practices charge $5,000-15,000/year, DPC practices typically charge $75-300/month per person. For many middle-income families, the total cost of DPC + catastrophic plan is less than traditional comprehensive insurance, especially if they're generally healthy and don't need frequent specialist care.
What are the downsides of concierge medicine?
Key downsides include: higher out-of-pocket exposure for major events, limited specialist coverage, potential gaps in preventive care mandates, doesn't satisfy ACA individual mandate in all states, may not cover pre-existing condition specialist needs, and requires finding a DPC doctor in your area.