Concierge medicine is primary care that charges a recurring membership fee for added access, often while billing insurance for covered visits.
Concierge care in a lower-income city
Philadelphia's median household income, $61,953 [4], is about half of Seattle's [7]. A $2,500 retainer would be about 4% of the city's median income before any insurance premium. That is why direct primary care, with typical fees of $50 to $100 a month per the AAFP [8], matters for many readers here. The AAFP notes that concierge practices typically serve higher-income patients [8].
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Benchmarks
| Source | Model | Price | Ref |
|---|---|---|---|
| MDVIP physician pages (Arlington TX, Phoenix AZ, Bronxville NY) | Concierge | $2,250 to $2,930/year | [1][9][2] |
| PartnerMD | Concierge | $2,600 to $3,600/year | [3] |
| AAFP | Direct primary care | $50 to $100/month typical | [8] |
| One Medical | Hybrid | $199/year | [10] |
See every fee we track in the Concierge Fee Index and the MDVIP review.
Pennsylvania rules
DPC Frontier lists no direct primary care law in Pennsylvania [5]. Federal HSA rules still apply: since January 1, 2026, DPC fees up to $150 a month for one person can be paid from an HSA without losing eligibility, while practices that also bill insurance are excluded [11]. Check any physician with the Pennsylvania State Board of Medicine [12].
For Medicare patients
About 14.7% of Philadelphians are 65 or older [4]. Medicare does not cover concierge fees, and the fee cannot include extra charges for Medicare-covered services; noncovered items in the fee require an Advance Beneficiary Notice [13]. See concierge medicine and Medicare.
Longevity testing in Philadelphia
Prenuvo lists a Philadelphia location [6], with a Whole Body scan at $2,499 and a Focused scan at $1,199 [14]. The American College of Radiology does not recommend total-body MRI screening for people without symptoms or risk factors [15]. A coronary calcium scan usually costs $100 to $150 cash [16]. Compare full-body MRI costs and coronary calcium score.
Questions before joining
- What does the fee include, and what is billed to insurance?
- Is there a minimum term or a cancellation fee?
- Who covers when the doctor is away?
- Does the practice offer a lower-cost DPC tier?
Nearby: New Jersey, New York City and Baltimore. Use the concierge doctor guide, DPC finder and concierge overview.
Questions people ask
How much does concierge medicine cost in Philadelphia?
Is there concierge medicine on the Main Line?
We found no Main Line practice publishing a fee as of October 17, 2026. Ask practices directly, and compare with the AAFP's typical DPC fee of $50 to $100 a month [8].
Does Pennsylvania have a DPC law?
DPC Frontier lists no direct primary care law for Pennsylvania [5].
Does Medicare cover a concierge doctor's fee?
No. Medicare does not cover concierge membership fees [13].
Can I use an HSA for direct primary care in Pennsylvania?
Since January 1, 2026, DPC fees up to $150 a month for one person can be paid from an HSA if the practice does not bill insurance separately [11].
Sources
16 cited
- MDVIP physician page: Arlington, TX. MDVIP, seen 2026-10-17.
- MDVIP physician page: Bronxville, NY. MDVIP, seen 2026-10-17.
- Concierge medicine cost. PartnerMD, seen 2026-10-17.
- QuickFacts: Philadelphia city, Pennsylvania. U.S. Census Bureau, V2025 estimates, accessed 2026-10-17.
- Pennsylvania: direct primary care laws. DPC Frontier, page (c) 2024, accessed 2026-10-17.
- Prenuvo locations. Prenuvo, accessed 2026-10-17.
- QuickFacts: Seattle city, Washington. U.S. Census Bureau, V2025 estimates, accessed 2026-10-17.
- Direct primary care. American Academy of Family Physicians, accessed 2026-10-17.
- MDVIP physician page: Phoenix, AZ. MDVIP, seen 2026-10-17.
- One Medical membership. One Medical, seen 2026-10-17.
- Notice 2026-5: HSA changes under the One Big Beautiful Bill Act. Internal Revenue Service, Dec 9, 2025.
- Pennsylvania State Board of Medicine. Pennsylvania Department of State, accessed 2026-10-17.
- Concierge care. Medicare.gov, accessed 2026-10-17.
- Prenuvo pricing. Prenuvo, accessed 2026-10-17.
- ACR statement on screening total body MRI. American College of Radiology, Apr 17, 2023.
- Coronary artery calcium scan cost. GoodRx, Aug 28, 2025.
This page is general information, not medical advice. Talk with a licensed clinician about your own care.