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June 11.2026
11 Minutes Read

Is Concierge Medicine a Scam? The Truth Revealed Now

Is concierge medicine really an innovative answer to broken healthcare or simply a high-priced scam? As more patients and physicians weigh the promise and pitfalls of membership-based care, questions swirl about value, access, and ethics. This article unpacks those debates with real-world clarity and reveals what every practitioner and patient must know to separate hype from reality.

What You'll Learn About Concierge Medicine

  • What defines concierge medicine and how it operates

  • Key misconceptions, including is concierge medicine a scam

  • Perspectives from industry experts and real patients

  • How to weigh value, ethics, and financial considerations

  • Concrete tips for physicians and practice leaders


Is Concierge Medicine a Scam? The Truth Revealed Now

The Captivating Dilemma: Is Concierge Medicine a Scam or a Smarter Way Forward?

Concierge medicine is rapidly reshaping the landscape of health care and primary care, promising instant access, relationship-driven care, and a dramatically different patient experience. But with headlines about annual fees reaching tens of thousands, and critics arguing that the model may favor the privileged, it’s easy to question: is concierge medicine a scam, a necessary disruption, or simply misunderstood? Both doctors and medical groups grapple with the potential for burnout in traditional settings and see opportunity in a more sustainable, rewarding alternative. Meanwhile, patients seeking more time, advocacy, and preventive focus must wonder whether the higher price tag is justified — or if they’re being sold a flashy “healthcare flash sale” that offers little genuine value.

Whether you’re a physician, practice leader, or health care consumer, understanding the truths and myths behind membership models is no longer optional. Staying informed means you can see past sensationalism and take action that best serves your needs and ethics, turning uncertainty into opportunity and a more rewarding practice for both clinicians and patients alike.

Addressing Common Concerns and Why the Question Matters

There’s a reason “is concierge medicine a scam?” has become a top query in patient and practitioner circles: because, for many, the idea of paying a membership fee for what was once “standard care” seems foreign or even suspicious. Media headlines stoke the fire with stories of patients paying $50,000 per year, while critics claim the model undermines equity in health care. Yet, at the same time, many primary care physicians are burning out in traditional, overloaded systems and crave a way to practice medicine that nurtures relationships and gets meaningful results. The core of the debate isn’t simply about price — it’s about whether the model aligns practice incentives with patient wellness, or if it widens gaps and breeds distrust.

Engaging with this question openly matters because, for every patient or physician wondering if “concierge medicine” is a scam, there are thousands experiencing dramatic improvements in their healthcare journeys. Addressing these concerns thoughtfully is critical for practice leaders seeking change and patients seeking clarity. The answer, as you’ll discover, lies less in fees and more in the integrity, communication, and structure of the model itself.

Concierge Medicine Explained: What It Really Means

What Is Concierge Medicine and How Does It Differ from Traditional Care?

Concierge medicine is a membership-based model where patients pay an annual fee (or sometimes a monthly retainer) directly to their doctor or medical group for enhanced access and personalized care. Unlike traditional health plans, where patient panels are large and visit times brief, a concierge doctor typically serves fewer patients, offering longer visits, more responsive communication, and proactive preventive care. The core practice elements include quick scheduling, instant access via phone or virtual visits, and a patient experience often described as relationship-centered and deeply personal.

It’s important to note the distinction between concierge medicine and Direct Primary Care (DPC). While both offer membership models that forego traditional fee-for-service billing, DPC often serves broader communities at lower price points and typically does not bill insurance. Concierge practices may (or may not) engage with insurance and often provide more customized, “VIP” levels of service. In either case, the goal is the same: to create a system where clinicians and patients are partners, rather than adversaries scrambling for time or clarity in the traditional insurance maze.

Understanding the nuances of concierge medicine is crucial, especially as patients and providers navigate the differences between personalized care and traditional models. For those interested in how health can sometimes be misrepresented by appearances, the story of Dwyane Wade’s kidney cancer diagnosis offers a powerful reminder that even seemingly healthy individuals can face unexpected medical challenges—explore the details and lessons in Dwyane Wade’s kidney cancer symptoms and why healthy looks can deceive you.

a concierge doctor with a relaxed patient in modern office, explaining care options with an open, welcoming demeanor

Is Concierge Medicine a Scam? Busting the Biggest Myths and Misconceptions

The surge of curiosity (and skepticism) about “is concierge medicine a scam?” often comes from misunderstandings about who benefits, what’s included, and how value is delivered. One myth holds that only the very wealthy can access these services, but fee structures vary from a few hundred to tens of thousands annually, depending on geography and included services. Another misconception is that membership fees guarantee perfect health outcomes or act as a “health care magic wand. ” In reality, while concierge medicine optimizes for access and continuity, no doctor can promise every patient will avoid illness or complications. Outcomes still depend on factors such as patient engagement, underlying health, and whole-system supports.

"The heart of concierge medicine is not exclusivity—it's relationship-driven care."

What about allegations of exploitation? Critics point to high fees and the perception of “queue jumping. ” Yet, reputable concierge doctors and medical groups justify costs by spending more time per patient, offering individualized resources, and taking on deeper responsibility as care coordinators and health advocates. For many, those member benefits provide strong returns compared to the fragmented, hurried traditional care most patients experience. What distinguishes a scam from genuine value is transparency: clear communication of what the annual fee includes, how the practice operates, and measurable improvements in patient experience and health engagement.

What is the Real Problem With Concierge Medicine?

Exploring Systemic Critiques and Challenges

The most significant issues facing concierge medicine arise from the structures of the broader health care ecosystem, not bad actors. As more doctors and medical groups shift to membership models, critics fear that shrinking patient panels may exacerbate national physician shortages, limit access for vulnerable populations, or further stratify care by wealth or geography. While concierge practices offer sanctuary from burnout for physicians and create powerful, healing connections with their patients, they don’t resolve systemic failures in health policy or resource allocation. The debate centers on how these models coexist with — or challenge — the status quo, and whether their growth signals positive evolution or new divides in access and expectation.

On the patient side, many experience transformative results: more time with their doctor, quick responses to new concerns, meaningful prevention, peace of mind, and advocacy that’s increasingly rare in traditional care. Skeptics, however, worry that such advantages should not depend on paying a fee, and argue that true healthcare reform must ensure all populations benefit from better models — not just those who can afford it. Addressing these tensions directly is vital for clinicians and practice leaders wishing to operate ethically and for patients evaluating where they feel seen and cared for.

Beyond the Model: Systemic Challenges in Concierge Care

Concierge medicine’s real challenges stem from broader issues in healthcare, including access and resource allocation. Practices with thoughtful patient selection and engagement can mitigate perceived inequities, but ethical considerations persist.

Is Having a Concierge Doctor Worth It?

Comparing Value, Access, and Experience

For many patients, joining a concierge doctor’s panel means moving from a system where they are “just a number” to one where they are known, remembered, and genuinely guided. Testimonials often cite instant access, same-day or next-day appointments, unrushed visits, and highly coordinated care as life-changing shifts. Financially, the value equation depends on what members prioritize: is an annual investment of $1,500–$5,000 justified if it prevents missed diagnoses, unnecessary ER visits, or undetected chronic conditions? For those with complex needs, frequent travel, or a desire for proactive health engagement, many say the answer is yes.

Ethical practices distinguish themselves by outlining benefits up front, inviting feedback, and routinely demonstrating how they deliver “more than what you paid for. ” Whether or not concierge medicine is a scam depends on whether there is alignment between fee and outcome — and if patients feel heard, cared for, and involved. The worth is ultimately personal: some will always prefer conventional care or find DPC alternatives that better fit their financial and care needs.

When Concierge Medicine Is Worth It

Having a concierge doctor can be worth it for patients valuing access, relationship, and preventive focus. For others, traditional systems may suffice. The worth is often personal, but thoughtful models show strong returns in satisfaction and health engagement.

confident patient shaking hands with smiling concierge doctor in a bright, welcoming office, indicating satisfaction and trust in the care model

Are Some Patients Paying Up to $50,000 Per Year in Fees for Concierge Medicine?

Examining Fee Structures and Transparency

While stories of $50,000 annual fees splash across media headlines, these ultra-premium cases are rare outliers in the concierge medicine landscape. Most providers set pricing based on the time, access, and specific services offered, with averages ranging from $1,500–$3,000 per year for general concierge primary care, and higher rates for specialty or “luxury” practices bundling wellness, executive, or 24/7 travel support. Critics often point to high-top rates to argue that concierge medicine is a scam, but credible practices are clear about what those fees include — and rarely leave patients surprised by hidden costs or vague value promises.

The reality is, transparency around fee structure is the greatest defense against accusations of exploitation. Robust, trustworthy practices offer plain language breakdowns of what’s included, such as unlimited visits, same-day consults, care coordination, extended telehealth, and wellness screenings. For patients, understanding and comfort with the investment hinges on conversations about fee alignment with value, not just sticker shock.

Comparison of Concierge Medicine Fee Structures

Type of Concierge Practice

Annual Fee Range

Typical Services Included

Geographic Variation

General Concierge Primary Care

$1,500–$3,000

Unlimited visits, same/next-day appointments, extended time, virtual care

Small towns to large cities

Specialty or Executive Medicine

$5,000–$15,000

In-depth annual physicals, wellness planning, direct physician access 24/7

Major urban areas

Ultra-Premium “VIP” Practices

$20,000–$50,000+

Travel support, private facilities, real-time diagnostics, lifestyle medicine

Large cities, celebrity markets

infographic comparing concierge medicine fee structures, tiers, and included services, using clear icons and modern design

Can Concierge Doctors Prescribe Opioids?

Scope of Practice, Ethics, and Legal Boundaries

Like all licensed physicians, concierge doctors must comply with strict federal and state regulations when prescribing controlled substances like opioids. The membership relationship does not give carte blanche; reputable concierge medical groups carefully document all pain management protocols, adhere to prescription monitoring programs, and prioritize non-opioid therapies when possible. Trust is a cornerstone of the model, and higher accountability — through direct communication and deep knowledge of each patient — actually reduces the risk of “pill mill” abuses seen elsewhere in health care. Industry watchdogs and medical boards monitor compliance regardless of business model, ensuring high standards safeguard patient wellbeing.

Patients who value relationship-based medicine often cite the ability to have candid conversations about pain, alternatives, and risk without fear of being dismissed or judged. For leaders and clinicians, responsible prescribing is an ethical imperative and a prime area where transparency, boundaries, and documentation are non-negotiable.

Expert Perspectives: Is Concierge Medicine a Scam or a Sustainable Healthcare Solution?

Most expert physicians and industry veterans agree: concierge medicine is neither a scam nor a panacea. When done thoughtfully, it represents a sustainable evolution in clinical and operational practice, offering strong solutions to burnout, patient frustration, and inefficiency. Physicians who have transitioned report greater satisfaction, more meaningful patient relationships, and the ability to focus on care over paperwork. Patients echo the benefits, describing tangible improvements in mental and physical health, stronger advocacy, and more proactive prevention.

However, the journey is not without obstacles. Miscommunication around fees, failure to deliver promised access, or overreliance on exclusivity can undermine the trust essential to the model’s survival. Case studies from leading groups show the most successful practices center on openness: transparent pricing, ongoing education, clear communication of boundaries, and high responsiveness to patient feedback. Longevity is linked to honesty, not hype.

"Membership medicine isn’t for everyone—but transparency, communication, and quality drive its success."

consultant, patient, and doctor reviewing checklist in a bright modern office, engaged in evaluating concierge medical practice integrity and value

Red Flags and Green Lights: How to Evaluate Concierge Medicine Practices

Questions to ask as a practice leader or patient

  1. Does the practice provide a clear, detailed explanation of what’s included in the membership fee?

  2. Are patient expectations managed up front, with no vagueness or “fine print”?

  3. How does the group handle urgent needs or out-of-office support—do they promise more than they can deliver?

  4. Is there evidence of ongoing patient feedback, satisfaction surveys, and transparent reporting?

  5. Do practitioners maintain full professional licensure and accreditation, with strong ties to broader medical groups or hospitals?

As a practice leader, asking these questions protects you and your patients, helping to build trust and value from the start.

Actionable Steps: How Physicians and Practice Leaders Can Build Trust in Concierge Medicine

To ensure your membership practice is never mistaken for a scam and always delivers on its promises, prioritize transparency from initial conversations and throughout the patient relationship. Develop plain-language guides explaining services and costs, hold regular feedback sessions, and encourage open dialogue about what’s working and what isn’t. Consistently update practice policies to reflect professional standards and emerging regulatory expectations. Leverage tools like satisfaction surveys, online member portals, and clear compliance checklists to maintain accountability and invite patient participation. Most importantly, always strive to align every detail — from pricing to care delivery — with the values of clarity, communication, and commitment to ethical improvement.

concierge doctor answering questions for a diverse couple in a welcoming clinic room, emphasizing transparency and empathy

FAQs About Is Concierge Medicine a Scam

How is concierge medicine regulated?

Concierge medical practices are regulated at the state and federal level just like all healthcare providers. Physicians must maintain licensure and adhere to strict medical board and DEA regulations, including those around controlled substances, privacy, and ethical conduct. Membership fees are legal, provided practices don’t mislead patients or promise specific medical outcomes.

Is concierge medicine the same as DPC?

No — while both models involve a membership structure, Direct Primary Care (DPC) generally operates at a lower price point, forgoing insurance altogether and often serving more diverse patient groups. Concierge medicine may accept insurance and can include higher-touch services.

Can you get reimbursed for concierge fees?

Concierge medicine fees are usually paid out-of-pocket and not covered by insurance. Some Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) may allow reimbursement for qualifying care costs, but the membership fee itself is typically not reimbursable unless used for specific covered medical services.

How should practices talk about fees and value?

The best concierge practices communicate fee structures openly, offer written service summaries, and invite questions about what’s included. Honest conversations about cost versus value — supported by patient testimonials, data, or clear “before and after” stories — help patients feel confident and in control.

Key Takeaways: What Every Physician and Patient Should Remember About Is Concierge Medicine a Scam

  • Concierge medicine is not inherently a scam—clarity, quality, and communication set reputable practices apart

  • Ethical membership models require alignment between expectations, fees, and delivered value

  • Clinicians and leaders have a pivotal role in patient education and transparent practice

  • Patients must ask the right questions and understand their own needs

Ready to Create a Trusted Concierge Practice?

If you’re eager to deepen your understanding of how health can be unpredictable—even for those who appear outwardly well—consider exploring real-world examples that challenge assumptions. The journey of Dwyane Wade, who faced a kidney cancer diagnosis despite his athletic background, highlights the importance of proactive, personalized care and the limitations of judging health by appearance alone. By learning from such stories, both patients and practitioners can better appreciate the value of comprehensive, relationship-driven medicine. For a closer look at these lessons and how they intersect with the concierge model, visit Dwyane Wade’s kidney cancer symptoms: what you need to know and discover why vigilance and partnership matter at every stage of health.

The future of concierge medicine depends on honesty, transparency, and the relentless pursuit of value-driven, relationship-centered health care for all.

Practice Mastery

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Navigating 2026 Meals Deduction Changes: Essential Insights for Medical Practices

Update Understanding the New Tax Landscape for Medical Practices As we approach 2026, the medical community finds itself on the brink of a significant shift in operational costs due to changes in tax deductions for meals. Beginning January 1, 2026, meals provided to staff for the employer's convenience will no longer be deductible, fundamentally altering the financial landscape for many medical practices, particularly concierge health practitioners. This transition is not just a minor adjustment; it presents a serious challenge as the operational model of several practices relies heavily on providing meals to maintain staff morale and efficiency. What the Changes Mean for Your Practice The changes introduced by IRC §274(o) eliminate the 50% deduction for in-office meals provided to employees, including catered lunches and snacks that support staff productivity. For concierge health practitioners, who often work long hours ensuring patient care without disruption, these meals are not perks; they are essential tools for maintaining an effective and satisfied workforce. Without the ability to deduct these costs, the after-tax expense could strain budgets, particularly for multi-location practices where operational meals accumulate quickly. In this landscape, it is crucial for practitioners to recognize that an approximate 10% increase in operational expenses due to this tax change can substantially alter a practice’s annual budget. It can lead to decisions about staffing, scheduling, and the overall allocation of resources. Thus, maximizing operational efficiency becomes a priority, alongside addressing the immediate financial implications of these changes. Strategic Planning: Staying Ahead of the Curve Given that medical practices will now face increased operational costs, strategic planning is crucial. Practitioners should perform a thorough analysis of current meal-related expenses and consider reallocating budgets to accommodate these changes. Budget prediction models that incorporate this new expense structure can help practices remain financially viable. Additionally, developing alternative methods for supporting staff without incurring additional costs may help mitigate the financial impact. Options could include fostering a culture of potlucks or encouraging meal prep among staff, which can maintain morale without the added business expense. Moreover, investing in employee engagement initiatives that emphasize wellness without direct costs can offset some of the morale issues that may arise from losing meal benefits. Practices could implement wellness programs that provide education on nutrition, offering incentives for staff who participate in local health events or fitness challenges. Keeping Compliance in Mind Despite the new deduction changes, it is important to remember that not all meal expenses are impacted. Meals provided during social events, such as annual company parties or community health fairs, remain fully deductible, provided they serve a broad audience rather than a select few. Additionally, meals treated as taxable compensation are still 100% deductible. Practicing proper documentation and understanding the different classifications of meals can help practices navigate these financial waters more effectively. A robust financial management strategy will involve regular audits and check-ins with finance specialists who can advise on maintaining compliance and optimizing deductions where possible. Leveraging software that tracks meal categorizations can also assist in accurate record-keeping and accounting practices, which are essential under the new tax regime. Stakeholder Awareness: Informing Your Team Communication with staff about these changes is critical. Keeping everyone informed helps foster a transparent work environment and encourages collective problem-solving regarding how best to keep operations running smoothly. Develop training sessions related to the new rules and engage the team in discussions about finding alternatives and collaborative solutions. As team members work together to adapt, consider creating a forum for ongoing feedback on what strategies are most effective. Involvement in decision-making also fosters a sense of ownership among employees, reinforcing the culture of camaraderie and teamwork that is essential in a healthcare setting. Long-Term Implications and Strategies for Adaptation The elimination of deductions for routine meals will have long-lasting effects on how medical practices operate. 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R","city":"Sheridan","state":"WY","zip":"82801","email":"info@banidadigital.com","tos":"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","privacy":"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