What Is the Concierge Medicine Calculator?
The Concierge Medicine Calculator is a free online tool designed for users who need quick, accurate calculations in the practical calculation space. By entering your your age, monthly premium, annual deductible, you get instant results including traditional insurance, concierge + catastrophic, annual savings. No formulas to memorize, no spreadsheets to build — just enter your numbers and get the answer in seconds. Whether you're a beginner or experienced professional, this calculator saves you time and eliminates guesswork.
Why This Calculation Matters
Getting traditional insurance right can make the difference between success and costly mistakes. In practical calculation, small errors compound quickly. Manual calculations are error-prone and time-consuming, especially under pressure. This calculator applies proven formulas used by users worldwide, giving you confidence that your numbers are correct. Use it to get accurate results with precision and avoid common pitfalls that trip up beginners.
When Should You Use This Calculator?
This tool is most useful when you know your your age and need to find the right traditional insurance. It's also great for quick estimates before committing to a decision, and to double-check manual calculations or professional quotes, and when comparing different scenarios side by side. Bookmark this page and come back whenever you need a fast, reliable answer — the calculator is always free and requires no signup.
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 to Use This Calculator
- Enter Your Your Age: Start by entering your your age — this is the primary input for the calculation.
- Fill In Additional Details: Complete the remaining fields: monthly premium, annual deductible, copays per year, prescriptions per month, doctor visits per year. Each value refines the calculation for greater accuracy.
- Click Calculate: Hit the Calculate button to run the numbers. Results appear instantly below.
- Review Your Results: Check your traditional insurance, concierge + catastrophic, annual savings. Use these figures to inform your next decision or compare against alternative scenarios.
How It Works
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.
Tips & Considerations
- Double-check your your age before calculating — even small input errors can significantly change your results.
- Run the calculator with different values to compare scenarios and find the optimal approach for your situation.
- Pay attention to both traditional insurance and concierge + catastrophic — they work together to give you the full picture.
- Bookmark this page for quick access next time you need to get accurate results.
- If you're unsure about your doctor visits per year, start with a conservative estimate and adjust from there.
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.