Telemedicine Membership Breakeven Calculator

Put concierge telemedicine or virtual-first primary care subscriptions under the microscope. Enter the monthly fee and what you would otherwise pay for in-person urgent care to see the breakeven visit count, monthly net savings, and membership ROI. Optional fields let you reflect how often you plan to use the service and any per-visit telehealth fees.

Subscription or concierge telehealth charge billed monthly.
Average out-of-pocket cost you would pay for an equivalent in-person visit.
Defaults to 1 visit per month when left blank.
Defaults to $0 if your membership includes unlimited visits with no extra copay.

Results focus on direct out-of-pocket costs. Confirm benefit coverage, medical necessity, and service availability with your telemedicine provider before cancelling other care arrangements.

Examples

  • $59 membership, $145 clinic visit, 1.5 expected visits, $10 telehealth fee ⇒ Breakeven visit count: 0.46 visits per month • Net monthly impact at 1.50 visits: $156.50 USD • Annualized impact: $1,878.00 USD • Savings captured per virtual visit: $135.00 USD • ROI on the membership at this utilization: 265.25%.
  • $79 membership, $95 clinic visit, defaults for optional fields ⇒ Breakeven visit count: 0.83 visits per month • Net monthly impact at 1.00 visits: $16.00 USD • Annualized impact: $192.00 USD • Savings captured per virtual visit: $95.00 USD • ROI on the membership at this utilization: 20.25%.

FAQ

What if my telemedicine plan charges a different fee for urgent care versus primary care?

Use the higher per-visit fee or run separate scenarios for each service line so the breakeven math reflects the mix of visits you expect.

Can I model employer stipends or HSA reimbursements?

Yes. Subtract any employer subsidy or HSA reimbursement from the membership fee before running the numbers to see your true out-of-pocket ROI.

Does the calculator factor in 24/7 access or care navigation perks?

Non-monetary benefits are not priced in. Enter an estimated dollar value per visit in the telemedicine per-visit fee field to capture concierge perks if you wish.

How do I analyze quarterly or annual billing plans?

Divide the billed amount by the number of months it covers to convert the fee to a monthly basis before entering it.

Additional Information

  • Savings per visit subtracts any telemedicine copay from the in-person visit cost to avoid overstating value.
  • Breakeven visit count divides the monthly fee by per-visit savings, assuming unused visit capacity has no resale value.
  • Annualized impact multiplies the net monthly savings by 12 to highlight year-long budget implications.
  • If your plan includes family members, increase the expected visit count to reflect combined usage.

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