How Much Does Concierge Medicine Cost in Boca Raton?
Concierge Medicine Costs
What concierge medicine actually costs in Boca Raton.
Typical South Florida membership fee ranges, what the fee covers, and how insurance and Medicare fit alongside it.
Concierge medicine is not a replacement for insurance. The membership supports access, time, and a smaller patient panel. Your insurance still matters for the medical services and outside care it normally covers.
How much does concierge medicine
How much does concierge medicine typically cost in Boca Raton and South Florida?
Concierge medicine is priced as a membership or retainer fee that you pay out of pocket, usually once a year, although many practices also offer monthly or quarterly payment options. Every practice sets its own fee based on what the membership includes, so published national figures are the most honest reference point available.
Across credible sources, a standard adult membership typically runs about $2,000 to $5,000 per year. Consumer Reports has cited a range of $1,500 to $5,000 annually, and a 2026 national cost analysis put the typical range at $2,000 to $5,000. National reporting has described a broader spread of $2,000 to $10,000, with luxury-level practices charging more.
Florida practices fall in the same band. A concierge practice in Ponte Vedra publicly lists about $2,988 per year for an individual adult membership, while premium practices with Florida offices, such as Sollis Health, publish ranges from $4,000 to $12,000 per year. A small number of ultra-luxury practices nationally charge as much as $40,000 a year, but those are the exception, not the rule.
For Boca Raton, a reasonable working expectation is $2,000 to $5,000 per year for a standard concierge membership, with more exclusive practices priced above that. Fees vary by practice and by what each membership includes, which is why we discuss our exact pricing in person rather than on a pricing page. Schedule a free consultation and we will walk you through it openly, with no obligation.
What drives the price difference
What drives the price difference between practices?
Three things, mainly. First, panel size. A physician caring for a few hundred patients can offer far more time and access than one carrying several thousand, and smaller panels cost more to sustain. Second, what is included. Some memberships fold a comprehensive annual physical into the fee, while others cover access and preventive planning and bill office visits separately. Third, the market. South Florida is one of the most competitive concierge markets in the country, which keeps standard pricing in line with national figures while giving luxury practices room at the top end. When you compare practices, compare what is included, not just the number.
What does the membership fee
What does the membership fee usually cover?
In most concierge practices, the fee covers access and time rather than specific procedures. That typically means longer appointments, same-day or next-day scheduling, direct access to your physician by phone or secure message, unhurried annual physicals, preventive care planning, and coordination of your specialists, referrals, and records.
Some practices include an annual comprehensive exam in the membership. Others bill office visits to your insurance and reserve the fee for the access and preventive services insurers do not pay for. Because the details differ so much from practice to practice, ask for a written list of what is included and what is billed separately before you join any practice.
Are there extra costs beyond
Are there extra costs beyond the membership fee?
Usually, yes, and this is worth understanding up front. Lab work, imaging, and specialist visits are generally billed to your insurance or Medicare as they would be in any practice. Some memberships bundle certain in-house services, such as an annual physical or basic screenings, while others bill everything clinical through insurance. Prescriptions are never included in a membership fee. When you evaluate a practice, ask specifically: which services are covered by the fee, which go through insurance, and what would I pay out of pocket in a typical year beyond the membership?
Does health insurance cover the
Does health insurance cover the membership fee?
No. Membership or retainer fees are not covered by health insurance or by Medicare. The fee is paid out of pocket. That does not mean you give up your insurance. In the typical arrangement you keep your health plan, and the practice bills your insurer for covered medical services such as office visits, lab work, and imaging. Some patients use HSA or FSA funds toward membership fees, although plan rules vary, so check with your plan administrator first.
Can Medicare patients join a
Can Medicare patients join a concierge practice?
Yes, and many do. The membership fee is still paid out of pocket because Medicare does not cover it. In the common hybrid model, the concierge physician participates in Medicare and bills Medicare for covered office visits and services, while the membership covers the access, longer visits, and preventive planning that Medicare does not pay for. You keep your Medicare coverage for everything outside the membership, including hospital care, specialists, prescriptions, and lab work, and you continue to pay your premiums, deductibles, and copays according to your plan. If you carry a Medicare supplement, it keeps working as before for covered services.
Do practices bill monthly or
Do practices bill monthly or annually, and what about contracts?
Both models exist. Annual billing is traditional, and many practices now offer monthly or quarterly payments to make the fee easier to budget. Commitment terms, cancellation policies, and refund rules vary by practice, so read the membership agreement carefully and ask directly: how long is the commitment, what happens if I move away, and is any portion of the fee refundable? A reputable practice will answer these questions plainly before you sign anything.
How do I get exact
How do I get exact pricing from Palm Beach Concierge Medicine?
We talk about fees openly, but we do it in conversation rather than on a pricing page, because fit matters as much as the number. In a free consultation you will meet the team, learn exactly what the membership includes, see how insurance and Medicare billing work, and get straight answers to every question above. There is no obligation and no pressure.
About the author: This article was written by Dr. Abeer Aziz-Siddiqui, DO, a Board-Certified Internal Medicine Physician and Co-Founder and Chief Medical Officer of Palm Beach Concierge Medicine.
Keep Reading
Related guides from our practice
Does Insurance or Medicare Cover Concierge Medicine?
How the membership fee and your insurance work together.
Related ReadingConcierge Medicine vs. Direct Primary Care
How the two membership care models compare.
Related ReadingConcierge Primary Care
What membership care at our Boca Raton practice includes.
Frequently Asked Questions
Frequently asked questions
Is concierge medicine covered by insurance?
No. Membership and retainer fees are paid out of pocket and are not covered by private insurance or Medicare. You keep your health plan, and the practice bills your insurer separately for covered services like office visits, labs, and imaging. The membership pays for access and time, which insurers do not fund.
Can I use HSA or FSA funds for a concierge membership?
Sometimes. IRS rules have generally treated concierge retainer fees as ineligible, though some plans allow HSA or FSA dollars for the clinical portion of care. Rules vary by plan and change over time, so ask your plan administrator or tax advisor before assuming funds qualify. Never treat this article as tax advice.
What happens if I cancel my membership?
Terms vary by practice. Many memberships run month to month or year to year with written cancellation terms, and some refund unused months. Before you join, ask how long the commitment lasts, what notice is required, whether any portion is refundable, and what happens to your records. Get the answers in the membership agreement, not just verbally.
Do practices offer couples or family pricing?
Many do. Couples, family, and sometimes corporate or employer-sponsored pricing can lower the per-person cost, though structures differ widely. Some practices also reduce fees for young adults or add a second household member at a discount. Ask directly about multi-member pricing when you compare practices, since it is rarely advertised.
Are labs, imaging, and prescriptions included in the fee?
Usually not. Lab work, imaging, and specialist visits are typically billed to your insurance or Medicare as in any practice, and prescriptions are never part of a membership. Some memberships bundle an annual physical or basic in-house screenings. Ask for a written list of what the fee covers and what is billed separately before joining.
Is the concierge membership fee tax-deductible?
Generally, membership or retainer fees for access alone are not deductible as medical expenses, though the clinical care you receive may be. Tax treatment depends on how the practice structures its fees and on current IRS guidance. This is general information only, so check with a qualified tax advisor about your situation.
Know Your Numbers
Want the exact numbers for your situation?
Schedule a free consultation with Dr. Abeer Aziz-Siddiqui, DO, Board-Certified Internal Medicine Physician, Co-Founder and Chief Medical Officer of Palm Beach Concierge Medicine.
This article is for general education and is not a substitute for individualized medical advice, diagnosis, or treatment. Coverage, insurance, and tax details can change and vary by plan; confirm specifics with your plan, physician, or a qualified advisor. If you are having a medical emergency, call 911.
