Concierge medicine charges a membership fee on top of insurance for added access; direct primary care charges a monthly fee instead of billing insurance.
A retainer against a $72,105 median income
Sarasota's median household income is $72,105 [1]. A $2,500 retainer would take about 3.5% of that. A $75 monthly DPC plan comes to $900 a year. Fees on MDVIP physician pages we read ranged from $2,250 to $2,930 [5][6], and MDVIP says fees can be paid quarterly or semi-annually [7].
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One of the oldest populations we track
In the city of Sarasota, 29.2% of residents are 65 or older [1]. That means most patients weighing a concierge practice are on Medicare, and the fee rules matter more than the marketing.
| Situation | Rule | Source |
|---|---|---|
| Membership fee | Not covered by Medicare | [4] |
| Doctor accepts assignment | Fee cannot cover extra charges for Medicare-covered services | [4] |
| Fee includes non-covered services | Doctor must give an Advance Beneficiary Notice | [4] |
| Doctor does not accept assignment | May charge up to 15% over the approved amount | [4] |
Direct primary care under Florida law
Florida's 2018 law (SB 80 / HB 37) addresses direct primary care agreements [3]. The AAFP describes DPC as low monthly fees without insurance billing, serving patients across income levels [2]. For under-65 patients with an HSA, IRS Notice 2026-5 lets HSA funds pay DPC fees up to $150 a month for one person [8]. See direct primary care and find a DPC practice.
Hospital and license checks
Ask any concierge doctor which hospital they admit patients to. Look up the doctor with the Florida Board of Medicine [9].
Nearby: Naples, Tampa, Fort Lauderdale. Overview: concierge medicine, costs, find a concierge doctor, is it worth it.
Questions people ask
How much does a concierge doctor cost in Sarasota?
What share of Sarasota residents are 65 or older?
29.2% of city residents, per Census QuickFacts [1].
Is direct primary care cheaper than concierge medicine?
Usually. The AAFP says DPC fees generally run $50 to $100 a month, while concierge practices charge higher annual fees [2].
Does Florida have a DPC law?
Yes. Florida passed SB 80 / HB 37 in 2018 [3].
Will Medicare reimburse my concierge fee?
No. Concierge membership fees are outside Medicare coverage, per Medicare.gov [4].
Can I pay a DPC fee from my HSA?
Since Jan 1 2026, IRS rules let HSA funds pay direct primary care fees up to $150 a month for one person, if the practice does not bill insurance separately [8].
Sources
9 cited
- QuickFacts: Sarasota city, Florida. U.S. Census Bureau, 2025.
- Direct Primary Care. American Academy of Family Physicians, Oct 17, 2026.
- SB 80 (2018), Direct Primary Care. Florida Senate, Mar 23, 2018.
- Concierge care. Medicare.gov (CMS), Oct 17, 2026.
- MDVIP physician page, Phoenix, AZ. MDVIP, Oct 17, 2026.
- MDVIP physician page, Bronxville, NY. MDVIP, Oct 17, 2026.
- What does MDVIP cost and what does my annual fee cover?. MDVIP, Oct 17, 2026.
- Notice 2026-5: Health savings accounts and direct primary care. Internal Revenue Service, Dec 9, 2025.
- Florida Board of Medicine. Florida Department of Health, Oct 17, 2026.
This page is general information, not medical advice. Talk with a licensed clinician about your own care.