What Does Concierge Medicine Cost in Miami? A Physician’s Breakdown of Fees, Inclusions and Value

What Concierge Medicine Costs in Miami in 2026

Miami is a premium market. Practices here compete for a patient population of seasonal residents, family offices and constantly travelling executives, and pricing reflects that. Based on openly published Miami-area fee schedules, the market sorts into three broad tiers.

Geography matters inside Miami itself. Practices serving Fisher Island, Indian Creek, Key Biscayne and the Coral Gables corridor price above those serving broader Miami-Dade, because panels are smaller and the model includes travel coordination and in-residence visits. A useful rule: the fee is a proxy for how many patients your physician is responsible for. A practice charging $2,500 a year typically manages 500 to 600 patients. One charging $20,000 typically manages 50 to 100.

What Drives the Price of Concierge Physicians in Miami

Five variables explain almost all of the variation between one Miami practice and the next.

Panel size. A traditional primary care physician in Florida may carry 2,000 to 3,000 patients. Concierge panels run a fraction of that, and every reduction is funded by the membership fee — which is why panel size and price move together almost linearly. Smaller panels can also mean direct access, including direct communication and, where offered, 24/7 phone access to physicians for urgent needs.

Appointment length and physician time. There is evidence behind the instinct. A systematic review in the British Journal of General Practice found patients seeing physicians who spend more time per consultation are more likely to receive consultations that include the important elements of care — health promotion, psychosocial issues, and participation in decisions (Wilson & Childs, Br J Gen Pract 2002; PMID 12528590). Concierge practices also typically provide a longer visit than traditional practices. More time is associated with more complete care, not automatically with better outcomes.

Continuity — seeing the same physician every time. The most underrated line item in any concierge fee, and the one with the strongest evidence behind it. A systematic review in BMJ Open found 18 of 22 high-quality studies reported statistically significant reductions in mortality associated with increased continuity of care (Pereira Gray et al., BMJ Open 2018; PMID 29959146). The authors are explicit that the evidence is observational — an association, not proof of cause. A separate analysis in The BMJ found a 0.2 increase in the usual-provider-of-care index predicted a 6.22% reduction in hospital admissions for conditions manageable in primary care (Barker et al., BMJ 2017; PMID 28148478).

Scope of included diagnostics. Where fee schedules diverge most sharply, and where buyers are most often surprised. Two practices can both advertise a “comprehensive annual physical” while one means a standard lipid panel and the other means coronary calcium scoring, lipoprotein(a), cardiopulmonary exercise testing and DEXA body composition. Ask for the test list in writing.

Care coordination. In the concierge model, navigating specialists, imaging centers and hospital systems on a patient’s behalf is labor-intensive and invisible until you need it. It is a real cost driver and one of the few services difficult to buy any other way, and it can improve coordination across multiple services while giving patients better access to your physician.

Concierge Medicine, Direct Primary Care, and Traditional Insurance

These three models are routinely conflated, and the confusion costs people money.

Direct primary care (DPC) in Miami typically runs $85 to $175 per month and generally does not involve insurance billing at all. The model is efficient and honest, and it is primary care only — not built around advanced diagnostics or longevity medicine. By contrast, the concierge medicine model is a more personalized health care approach than traditional insurance-based primary care: it charges an annual or monthly membership fee, and concierge practices usually still bill healthcare insurers for covered services, while the membership fee itself is never covered. Traditional insurance-based primary care has no membership fee, but carries copays, deductibles and the structural constraint of a 2,000-plus patient panel under your insurance plan.

The point that applies to all three: a concierge membership is not health insurance and does not replace it. You still need coverage for hospitalization, emergency care, surgery, specialist care, advanced imaging and prescriptions. Anyone who tells you otherwise is selling something. Medicare cannot be billed for services already covered by a membership fee — ask any practice to explain its Medicare position in writing before enrolling.

What an Executive Physical in Miami Should Include at This Price

At the comprehensive or precision tier, the diagnostic panel is what you are actually buying. Three examples show why the difference is clinical rather than cosmetic.

Lipoprotein(a). Lp(a) is not in a standard lipid panel and is not modifiable by diet or exercise. A 2024 Lancet review reports Lp(a) concentrations are more than 90% genetically determined, and that one in five people are at high risk for atherosclerotic cardiovascular disease and aortic valve stenosis because of high lipoprotein(a) (Nordestgaard & Langsted, Lancet 2024; PMID 39278229). A one-time test most annual physicals never order.

Coronary artery calcium scoring. Standard risk calculators misclassify a meaningful share of asymptomatic adults. In a multi-ethnic cohort study in JAMA, adding a calcium score to a model based on traditional risk factors significantly improved classification: an additional 23% of participants who went on to experience a coronary event were correctly reclassified as high risk (Polonsky et al., JAMA 2010; PMID 20424251).

Cardiorespiratory fitness. A JAMA meta-analysis found each 1-MET higher level of maximal aerobic capacity — roughly 3.5 mL/kg/min of oxygen uptake — was associated with a 13% lower relative risk of all-cause mortality, and that adults with low fitness had a 70% higher relative risk of death from any cause than the fittest (Kodama et al., JAMA 2009; PMID 19454641).

This architecture is the basis of PURE’s executive health assessment, delivered from our Coral Gables practice to members across Miami Beach, Brickell, Key Biscayne and Fisher Island. These tests are ordered and interpreted by a physician within a longitudinal care relationship — not sold as a one-off scan package.

The Costs Behind the Fee: Setup, Labs, and Annual Escalators

The membership fee is rarely the whole number, even with the benefits members expect from concierge medicine services, including preventive care support. Before signing, get written answers on all seven of these.

• Enrollment or setup fee — a one-time charge on top of the first year at some practices.
• Insurance premiums — you continue paying these in full.
• Advanced testing billed separately. Genomic panels, hormone panels, epigenetic age testing and whole-body MRI may or may not sit inside the fee. This is the most common source of surprise cost, so clear pricing on these additional services can improve patient satisfaction and help patients follow through.
• Specialist referral and coordination charges — usually included; occasionally not.
• Telemedicine and after-hours contact — should be included at this price point. Confirm it.
• In-office procedures — clarify which are covered and which are billed to insurance.
• Annual escalators. Many practices raise fees 3% to 8% a year. Ask what the increase actually was for the last three years, not what the policy says.

HSA, FSA, and Tax Treatment in 2026

The rules changed this year and most published guidance has not caught up. Under the One Big Beautiful Bill Act, effective January 1, 2026, HSA funds may be used for direct primary care arrangement fees on a tax-advantaged basis, subject to monthly caps of approximately $150 for an individual and $300 for a family, indexed for inflation after 2026. Participation in a qualifying DPC arrangement also no longer disqualifies a person from contributing to an HSA.

Concierge fees are treated differently. The IRS has generally characterized a concierge retainer as a fee for access rather than payment for specific medical services, so the membership fee itself is generally not deductible. Services actually rendered — labs, imaging, procedures, physician services — are deductible in the ordinary way, subject to the 7.5%-of-AGI threshold. Most practices will itemize the services component on request, which is what makes the distinction actionable. General information, not tax advice; confirm with your CPA.

Ten Questions to Ask Before You Sign

1. What is the total annual fee in writing, including any enrollment fee?
2. How many patients does this physician currently carry, and does the practice offer same day appointments or next day appointments, including how patients schedule day appointments?
3. Which tests are included in the annual assessment? Ask for the list.
4. Which advanced diagnostics are billed separately, and at what price?
5. Do you bill my insurance, and will I still see copays, and does the membership include direct access to my primary care doctor for urgent issues?
6. What was the fee increase in each of the last three years?
7. What is the cancellation policy, and are refunds prorated?
8. What happens if the physician retires, leaves or sells the practice?
9. What is the pricing for a spouse and dependents?
10. If I spend part of the year outside Florida, how do telehealth, records-sharing, coordinated care, and collaborative care work when I am seeing outside specialists?

Where Concierge Medicine Is Not Worth the Cost

An honest answer names the cases where this is the wrong purchase. Concierge medicine is generally poor value if you are generally healthy and rarely visit a doctor; if your problem is the cost of specialist care or prescriptions, which a membership does not solve; if you are buying it as a substitute for insurance; or if the fee would create real financial strain.

It tends to be worth the cost when some combination of these is true: you are over 40, you have a family history of cardiovascular disease or cancer, you manage a chronic condition, your time carries a high opportunity cost, or fragmented care has repeatedly cost you months of delay, especially if you have ongoing health concerns.

Frequently Asked Questions About Concierge Medicine Cost in Miami

How much does concierge medicine cost in Miami?

Individual concierge memberships in Miami with concierge physicians generally run $2,000 to $25,000 per year, with published Miami-area fee schedules clustering between roughly $400 and $2,500 per month. Pricing often reflects the level of personalized care and quick access included in the annual membership. Access-focused practices occupy the $2,000 to $5,000 band, comprehensive diagnostic programs $5,000 to $15,000, and ultra-private precision longevity practices $15,000 and above. Miami prices above the national average, which sits closer to $2,000 to $5,000 per year.

Is concierge medicine tax deductible?

Generally, no — the IRS has treated concierge membership fees as a fee for access rather than payment for medical services, so the retainer itself is usually not deductible. Individual services actually rendered, such as labs, imaging and physician services, are deductible in the ordinary way subject to the 7.5%-of-AGI threshold for itemized medical expenses. As of January 1, 2026, HSA funds may be applied to qualifying direct primary care fees up to roughly $150 per month individual and $300 per month family. Confirm your situation with a CPA.

What is the difference between concierge medicine and direct primary care?

Direct primary care charges a lower monthly fee, typically $85 to $175 per month in Miami, and generally does not bill insurance at all; it is primary care only. Concierge medicine, also called concierge care, usually involves a higher annual membership fee, often works as an add-on to an existing insurance plan rather than a replacement for it, and at the comprehensive tier is built around advanced diagnostics and care coordination rather than routine primary care alone.

What should be included in an executive physical in Miami at this price?

At the comprehensive tier, expect a comprehensive care approach with advanced cardiovascular markers including lipoprotein(a) and coronary artery calcium scoring, cardiopulmonary exercise testing for VO2 max, DEXA body composition, a full metabolic and hormonal panel, genetic risk assessment where clinically indicated, and a physician-led review producing a written plan. A standard lipid panel and a basic metabolic panel do not constitute an executive physical. That review should also include one on one time to discuss findings, health concerns, and a preventive plan that supports long-term well being.

Why does a concierge doctor in Miami cost more than the national average?

Panels are smaller, operating costs in Coral Gables, Brickell and Miami Beach are higher, and much of the Miami patient population is seasonal or internationally mobile, requiring travel coordination, records portability and in-residence visits. Miami practices often charge more because patients expect a higher-touch healthcare experience, a close relationship with their physician, and longer visits; that fee reflects the added staffing and infrastructure, often supported by teams that may also include family medicine doctors for mobile families.

Can I cancel a concierge membership?

Policies vary and must be confirmed in writing before enrolling. Many practices prorate refunds; some do not refund at all. Ask what happens if you relocate, if your circumstances change, or if the physician leaves the practice.

Which Miami neighborhoods does PURE Executive Health serve?

PURE Executive Health & Wellness is located in Coral Gables and serves members across Miami Beach, Brickell, Coconut Grove, Key Biscayne, Fisher Island, Indian Creek, Pinecrest and South Miami. Membership pricing is discussed during a confidential consultation.

Medically reviewed by Dr. Jennifer Miranda, PURE Executive Health & Wellness, Coral Gables, Florida. Educational content only — not medical, tax or financial advice, and not a diagnosis or treatment recommendation. Clinical decisions should be made with your own physician. Outcomes vary; no result is guaranteed. To discuss PURE’s concierge medicine and longevity program, request a confidential consultation.