MDVIP is a network of concierge primary care physicians who charge an annual membership fee for a wellness program while patients keep Medicare or private insurance for other care.
Our verdict
CleanProvisional clean rating. MDVIP fees vary by physician; three pages we read showed $2,250 to $2,930 a year. MDVIP is a physician network, not a drug seller. We have not yet confirmed its BBB record.
- FDA record
- No FDA warning letter to MDVIP among the 68 letters in our tracker (Dec 2024 to Sept 2026).
- BBB
- Not yet confirmed. We will add the BBB rating and complaint count after we check it.
- Best for
- Adults, including people on Medicare, who want an annual wellness program with one primary care doctor and will keep their insurance for everything else.
- Watch out
- The fee differs by doctor and is on each physician's page; one page added a $70 lab charge. Medicare does not pay membership fees. MDVIP says the fee cannot be paid with an FSA card. Other care is still billed to your insurance.
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What MDVIP costs
| Practice location | Annual fee | Payment options and extras | Checked | Source |
|---|---|---|---|---|
| Phoenix, AZ | $2,250 | Quarterly $562.50 or semi-annual $1,125 | 2026-10-17 | MDVIP [2] |
| Arlington, TX (Dallas-Fort Worth) | $2,400 | Quarterly $600 or semi-annual $1,200 | 2026-10-17 | MDVIP [3] |
| Bronxville, NY (NYC area) | $2,930 | Plus a $70 lab charge billed separately | 2026-10-17 | MDVIP [4] |
MDVIP's own consumer article puts typical concierge fees at $2,000 to $5,000 a year, with some at $10,000 or more; the article is undated and cites no survey [6]. For the wider market see concierge medicine cost.
What the fee pays for, and what it does not
MDVIP says the fee pays for its annual Wellness Program: advanced screenings and diagnostic tests not typically covered by insurance. Patients keep Medicare or commercial insurance for other care [1]. That means office visits and covered tests outside the program are still billed to your plan.
Medicare rules that apply
- Medicare does not cover concierge membership fees; you pay the full fee [5].
- A doctor who accepts Medicare assignment cannot charge the membership fee for Medicare-covered services [5].
- If the fee covers items Medicare will not pay for, the doctor must give you an Advance Beneficiary Notice listing them [5].
More on how this works with Medicare in concierge medicine and Medicare.
Paying with an FSA or HSA
MDVIP says the fee may be reimbursed through an FSA, MSA or similar account after you receive the annual wellness services, and that it cannot be paid with an FSA debit or credit card [7]. That is MDVIP's position, not IRS guidance. IRS Notice 2026-5 lets HSA funds pay direct primary care fees up to $150 a month, but an arrangement that bills insurance separately does not qualify for that rule [8]. MDVIP physicians bill insurance for other care [1], so do not assume the HSA rule for direct primary care covers an MDVIP fee.
Finding an MDVIP doctor near you
MDVIP lists each physician's fee on that physician's page on mdvip.com [1], so the fee you will pay depends on the doctor you pick. Our city guides list local concierge options and published fees, for example Phoenix, Dallas and New York City. Our concierge doctor finder guide covers what to ask before signing.
Record check: FDA letters and BBB
MDVIP is a physician network, not a drug seller, and no letter to it appears in our FDA warning letter tracker (68 letters, December 2024 to September 2026).
BBB record not yet confirmed
We have not yet confirmed MDVIP's BBB rating or complaint history. The clean rating is provisional.
MDVIP vs One Medical and other options
| Option | Price | Model | Checked | Source |
|---|---|---|---|---|
| MDVIP | $2,250 to $2,930/yr (3 pages) | Concierge; insurance billed for other care | 2026-10-17 | [2] [4] |
| One Medical | $199/yr | Hybrid; 24/7 messaging and video, visits billed to insurance | 2026-10-17 | [9] |
| PartnerMD | $2,600 to $3,600/yr | Concierge; 30 days' notice to cancel, prorated refund | 2026-10-17 | [10] |
| Sollis Health | From $4,000/yr | Concierge with on-site imaging and labs | 2026-10-17 | [11] |
| Direct primary care | $50 to $100/mo typical | Monthly fee, generally no insurance billing | Undated (AAFP) | [12] |
Concierge and direct primary care practices grew from 1,658 in 2018 to 3,036 in 2023, according to a Health Affairs study [13]. For the trade-offs, read concierge medicine vs direct primary care and is concierge medicine worth it.
Who MDVIP fits
- Fits: you want a yearly in-depth wellness program and plan to keep your insurance for the rest of your care [1].
- Look elsewhere if you want a low fee and mostly virtual care: One Medical lists $199 a year [9].
- Look elsewhere if you want to stop paying insurance cost-sharing for primary care: direct primary care usually runs $50 to $100 a month [12]. See direct primary care.
Start from the concierge medicine guide for every option we cover.
Questions people ask
How much does MDVIP cost per year?
What does the MDVIP fee cover?
MDVIP says the fee pays for its annual Wellness Program of advanced screenings and diagnostic tests not typically covered by insurance. Other care is billed to Medicare or your insurance [1].
Does Medicare pay for MDVIP?
No. Medicare does not cover concierge membership fees, and a doctor who accepts assignment cannot use the fee to charge extra for Medicare-covered services [5]. Medicare still pays for covered care you get from the doctor.
Can I pay MDVIP monthly or quarterly?
Can I use my FSA or HSA for MDVIP?
Is MDVIP better than One Medical?
How do I find an MDVIP doctor near me?
MDVIP lists each physician on mdvip.com, and each physician's page shows that doctor's annual fee [1].
Has MDVIP had an FDA warning letter or BBB complaints?
No FDA warning letter to MDVIP appears among the 68 letters in the Wellchosen Health tracker (December 2024 to September 2026). Its BBB record has not yet been confirmed.
Sources
13 cited
- What does MDVIP cost and what does my annual fee cover?. MDVIP, undated (accessed 2026-10-17).
- MDVIP physician page, Phoenix, AZ. MDVIP, 2026-10-17 (seen).
- MDVIP physician page, Arlington, TX. MDVIP, 2026-10-17 (seen).
- MDVIP physician page, Bronxville, NY. MDVIP, 2026-10-17 (seen).
- Concierge care. Medicare.gov (CMS), undated (accessed 2026-10-17).
- How does concierge medicine work with insurance?. MDVIP, undated (accessed 2026-10-17).
- MDVIP payment FAQs. MDVIP, undated (accessed 2026-10-17).
- Notice 2026-5: health savings account changes under the One Big Beautiful Bill Act. Internal Revenue Service, Dec 9, 2025.
- One Medical membership. One Medical (Amazon), 2026-10-17 (seen).
- Concierge medicine cost. PartnerMD, 2026-10-17 (seen).
- Sollis Health membership. Sollis Health, 2026-10-17 (seen).
- Direct primary care. American Academy of Family Physicians, undated (accessed 2026-10-17).
- Concierge medicine is rising (Health Affairs study summary). Johns Hopkins University Hub, Dec 18, 2025.
This page is general information, not medical advice. Talk with a licensed clinician about your own care.