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Concierge and longevity medicine in St. Louis

Missouri is one of the states with a specific law on membership-style primary care: Mo. Rev. Stat. 376.1800, passed in 2015, covers medical retainer agreements [1]. St. Louis practices set their own fees, and national benchmarks seen Oct 17, 2026 run about $2,250 to $3,600 a year for concierge care [2] [3].

Updated Oct 17, 2026By the Wellchosen Health editorial team

Medical review: pending. A licensed clinician has not yet reviewed this page.

Concierge medicine is primary care paid in part through a retainer or membership fee that buys extra time and access with a physician.

Missouri retainer law
Mo. Rev. Stat. 376.1800 (HB 769, 2015) [1]
Residents 65+
15.5% [4]
Median household income
$56,160 [4]
Medicare and the fee
Not covered [5]

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Missouri's retainer agreement law

Missouri addressed membership medicine in statute with HB 769 in 2015, codified at section 376.1800 on medical retainer agreements [1]. DPC Frontier lists Missouri among 32 states with a law that places direct primary care outside insurance regulation [6]. For a patient, that means a St. Louis direct primary care practice can charge a periodic fee without being treated as an insurer. Concierge practices that also bill insurance are a different model, as the AAFP explains [7].

This listing was paid for and is labeled. It is not an endorsement.

Prices to compare

Membership medicine fees seen Oct 17, 2026 (national)
Model or practiceFeeNotesChecked
Direct primary care (AAFP range)$50 to $100 a month [7]Generally no insurance billingOct 17, 2026
Hint Health employer DPC rates$55 to $65 a month [8]Employer-sponsored membershipsApr 23, 2026
MDVIP physicians (sample of 3)$2,250 to $2,930 a year [2] [9]Fee varies by doctorOct 17, 2026
PartnerMD$2,600 to $3,600 a year [3]Company-wide; no Missouri site listedOct 17, 2026
See concierge cost and direct primary care for more.

St. Louis's median household income of $56,160 [4] is lower than in most cities with large concierge markets. At that income, a $75-a-month DPC plan ($900 a year) is a very different decision from a $2,600 concierge retainer.

Seniors, Medicare and concierge care

With 15.5% of St. Louis residents 65 or older [4], Medicare rules shape many choices. Medicare does not pay the membership fee, and a doctor who accepts assignment cannot charge extra through the fee for Medicare-covered services [5]. MDVIP says its fee pays for an annual wellness program of screenings not typically covered by insurance, while members keep Medicare for other care [10]. Read concierge medicine and Medicare and the MDVIP review.

HSA rules for 2026

From January 1, 2026, a direct primary care arrangement of up to $150 a month for one person, or $300 for more than one, can be paid from an HSA without ending HSA eligibility [11]. The arrangement must use primary care practitioners, charge a fixed periodic fee as its only payment, and not bill insurance separately [11].

Local checks

We found no published concierge fee for BJC HealthCare or other St. Louis systems. Verify any doctor's license with the Missouri Board of Registration for the Healing Arts [12]. Compare with Chicago, Cincinnati and Nashville, or start at the concierge medicine hub.

Questions people ask

Does Missouri regulate concierge or direct primary care?

Missouri's section 376.1800, enacted through HB 769 in 2015, governs medical retainer agreements [1].

How much is concierge medicine in St. Louis?

We found no published St. Louis fee. National benchmarks seen Oct 17, 2026: MDVIP physicians at $2,250 to $2,930 a year [2] [9] and PartnerMD at $2,600 to $3,600 [3].

What does direct primary care cost?

The AAFP puts typical DPC fees at $50 to $100 a month [7]. Hint Health reports employer-sponsored DPC rates of $55 to $65 a month [8].

Will Medicare pay my concierge doctor's fee?

No. Medicare does not cover concierge membership fees [5].

Can I pay for DPC with my HSA in Missouri?

Yes, since January 1, 2026, if the arrangement meets IRS rules: no more than $150 a month for one person, a fixed periodic fee, and no separate insurance billing [11].

Sources

12 cited
  1. Missouri Revised Statutes 376.1800: medical retainer agreements. Missouri General Assembly, accessed 2026-10-17.
  2. MDVIP physician page: Mayy Deadrick, MD (Phoenix). MDVIP, seen 2026-10-17.
  3. Concierge medicine cost. PartnerMD, seen 2026-10-17.
  4. QuickFacts: St. Louis city, Missouri. U.S. Census Bureau, QuickFacts, V2025; ACS 2020-2024.
  5. Concierge care. Medicare.gov (CMS), accessed 2026-10-17.
  6. Direct primary care state laws. DPC Frontier, page copyright 2024, accessed 2026-10-17.
  7. Direct primary care. American Academy of Family Physicians, accessed 2026-10-17.
  8. Hint Health releases 2026 Direct Primary Care Trends Report. Hint Health via PR Newswire, Apr 23, 2026.
  9. MDVIP physician page: Brooke J. Nevins, MD (Bronxville, NY). MDVIP, seen 2026-10-17.
  10. What does MDVIP cost and what does my annual fee cover?. MDVIP, accessed 2026-10-17.
  11. Notice 2026-5: HSA changes under the One Big Beautiful Bill Act. Internal Revenue Service, Dec 9, 2025.
  12. Missouri Board of Registration for the Healing Arts. Missouri Division of Professional Registration, accessed 2026-10-17.

This page is general information, not medical advice. Talk with a licensed clinician about your own care.

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