Concierge Medicine Membership Value Calculator

Benchmark whether a concierge medicine retainer is worth the premium. Enter the annual membership fee, your expected visit volume, and what those visits cost today. Optional fields let you assign a dollar value to time saved and include any per-visit add-ons so you can weigh cash outlay, time dividends, and total value in one view.

Yearly retainer charged by the concierge practice.
Number of in-person or virtual visits you expect to use.
Out-of-pocket or co-pay amount for comparable primary care visits.
Optional. Capture shorter wait times, direct messaging, and longer appointment blocks.
Optional. Monetizes the time concierge care frees up.
Optional. Include labs or concierge service fees charged per visit.

Results illustrate potential value only. Validate coverage details and tax treatment with your concierge practice, insurer, and advisor before enrolling.

Examples

  • $2,400 fee, 10 visits, $275 standard cost, 1.5 hours saved, $90/hour value ⇒ Membership cost per visit $330.00 USD • Standard-care cost per visit $275.00 USD • Annual cash difference −$550.00 USD • Time value returned $1,350.00 USD • Total annual value $800.00 USD • Visits needed to break even on cash alone 8.73 • Implied hourly value to break even −$36.67 USD per hour.
  • $1,800 fee, 6 visits, $325 standard cost, optional fields blank ⇒ Membership cost per visit $300.00 USD • Standard-care cost per visit $325.00 USD • Annual cash difference $150.00 USD • Time value returned $300.00 USD • Total annual value $450.00 USD • Visits needed to break even on cash alone 5.54 • Implied hourly value to break even −$25.00 USD per hour.

FAQ

How should I handle family memberships?

Divide the total retainer by the number of covered adults and run the calculator for each person. Add pediatric visits separately if billed per child.

Can I include wellness services or house calls?

Yes. Estimate their per-visit value and add it to the time-saved hourly value or the add-on field so the total benefit reflects every perk you plan to use.

What if my insurer still charges co-pays inside the membership?

Add those co-pays to the add-on field so membership cost per visit reflects the true out-of-pocket expense.

Does the calculator account for tax deductions?

Not directly. If your concierge practice qualifies as medical care for deduction purposes, reduce the annual fee input by the deductible amount before running the calculation.

Additional Information

  • Assumes concierge fees cover all primary visits; enter routine labs or specialty consult fees in the add-on field if billed separately.
  • Time savings include travel, waiting room delays, and extended physician access—adjust the hourly value to match your income or opportunity cost.
  • Cash break-even ignores insurance reimbursements or HSA eligibility; incorporate those manually if they offset the membership fee.

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