Concierge medicine is a membership-based form of primary care where patients pay a recurring fee for added access, while the practice may still bill insurance.
Two membership models in Nashville
Membership medicine in Nashville comes in two forms. Concierge practices charge a higher annual retainer and usually keep billing insurance. Direct primary care charges a lower monthly fee and generally stays out of insurance [6]. Tennessee passed a direct primary care law in 2016 (HB 2323), codified at Tenn. Code Ann. 63-1-501 to 63-1-504 [4]. DPC Frontier counts Tennessee among the states whose law places DPC outside insurance regulation [7].
Sponsored placement: open.
One local practice can be featured here. This is a paid, labeled placement and never an endorsement.
Feature your practice in Nashville, from $300 a month.
This is a paid, labeled placement. It is not a ranking or endorsement.
What it might cost
| Benchmark | Fee | Notes | Checked |
|---|---|---|---|
| MDVIP physicians (sample of 3, outside Tennessee) | $2,250 to $2,930 a year [1] [2] | Fee set per physician [8] | Oct 17, 2026 |
| PartnerMD | $2,600 to $3,600 a year [3] | Company-wide range | Oct 17, 2026 |
| Direct primary care | $50 to $100 a month [6] | AAFP general range | Oct 17, 2026 |
| One Medical | $199 a year [9] | Visits billed to insurance | Oct 17, 2026 |
Against Nashville's median household income of $77,371 [5], a $2,600 retainer is about 3.4% of income per person enrolled, before insurance premiums.
Paying with an HSA or through Medicare
Starting January 1, 2026, people with an HSA-eligible health plan can enroll in a direct primary care arrangement and still contribute to their HSA, and can pay the fee from the HSA, if it costs no more than $150 a month for one person or $300 for a family [10] [11]. Concierge practices that bill insurance on top of the retainer do not qualify [11]. Medicare does not pay concierge membership fees [12]. Read concierge medicine and Medicare.
Questions for any Nashville practice
- How many patients does each doctor carry, and is that in the contract?
- Which labs, screenings and visits are inside the fee, and which are billed to insurance?
- How do refunds work if you cancel mid-year? PartnerMD, for example, requires 30 days' notice and prorates refunds [3].
- Is the physician licensed and in good standing? Check with the Tennessee Board of Medical Examiners [13].
Nearby guides: Atlanta, Charlotte and Cincinnati. Interested in longevity testing? See longevity and executive physicals.
Questions people ask
How much does concierge medicine cost in Nashville?
Does Tennessee have a direct primary care law?
Yes. Tennessee's HB 2323 of 2016, codified at Tenn. Code Ann. 63-1-501 to 63-1-504, addresses direct primary care [4].
What does direct primary care cost?
The AAFP says DPC monthly membership fees generally range from $50 to $100 [6].
Can I use my HSA for direct primary care in Tennessee?
Yes, from January 1, 2026, if the arrangement costs no more than $150 a month for an individual or $300 for a family and does not bill insurance separately [11].
Does Medicare pay concierge fees?
No. Medicare.gov states that Medicare does not cover membership fees for concierge care [12].
Sources
13 cited
- MDVIP physician page: Mayy Deadrick, MD (Phoenix). MDVIP, seen 2026-10-17.
- MDVIP physician page: Brooke J. Nevins, MD (Bronxville, NY). MDVIP, seen 2026-10-17.
- Concierge medicine cost. PartnerMD, seen 2026-10-17.
- Tennessee HB 2323 (2016): direct primary care. Tennessee General Assembly, 2016.
- QuickFacts: Nashville-Davidson metropolitan government, Tennessee. U.S. Census Bureau, QuickFacts, V2025; ACS 2020-2024.
- Direct primary care. American Academy of Family Physicians, accessed 2026-10-17.
- Direct primary care state laws. DPC Frontier, page copyright 2024, accessed 2026-10-17.
- What does MDVIP cost and what does my annual fee cover?. MDVIP, accessed 2026-10-17.
- Membership. One Medical, seen 2026-10-17.
- Treasury, IRS provide guidance on new tax benefits for HSA participants (IR-2025-119). Internal Revenue Service, Dec 9, 2025.
- Notice 2026-5: HSA changes under the One Big Beautiful Bill Act. Internal Revenue Service, Dec 9, 2025.
- Concierge care. Medicare.gov (CMS), accessed 2026-10-17.
- Tennessee Board of Medical Examiners. Tennessee Department of Health, accessed 2026-10-17.
This page is general information, not medical advice. Talk with a licensed clinician about your own care.