Both models offer more time with your doctor and better access than traditional primary care. The key differences are cost and insurance involvement. Concierge medicine typically charges $200-600+ per month (or annual retainers of $2,000-10,000) and still bills your insurance for visits. Direct Primary Care like Xcelsior Health charges a simple flat fee ($55-95/month depending on age) with no insurance billing, no copays, and no surprise charges. You get the same premium access at a fraction of the cost.

No, though they share similarities. Both prioritize longer appointments and direct physician access. However, DPC operates completely outside the insurance system, which keeps costs dramatically lower. Concierge practices charge premium fees on top of insurance billing. DPC practices like Xcelsior Health offer an all-inclusive monthly membership with no additional charges for office visits, making it accessible to more patients.

At Xcelsior Health, DPC membership costs:

Concierge practices in Tampa typically charge $200-600/month ($2,400-7,200/year) plus you still pay copays and deal with insurance. Over 5 years, the savings with DPC can exceed $10,000.

DPC covers your primary care needs, but we recommend maintaining health insurance (or at minimum, a catastrophic plan) for hospitalizations, emergency care, specialist visits, and major medical events. Many of our members pair DPC with a high-deductible health plan or health share ministry, significantly reducing their overall healthcare costs while maintaining comprehensive coverage.