Does Insurance or Medicare Cover Concierge Medicine?

How concierge medicine works with insurance and Medicare: what the membership fee is, and how Seth Premier Medical bills your insurance for visits as an in-network practice.

Reviewed by Dr. Rishi Seth, MDBoard-Certified Internal Medicine

Published June 11, 2026 · 2 min read

Concierge MedicineSeth Premier Medical

The short answer

A concierge membership fee is generally not billed to insurance or Medicare, because it pays for access and time beyond a standard billable visit. At Seth Premier Medical, the practice is in-network and bills your insurance for the actual visits, including telehealth, so standard copays apply, and your insurance covers labs, imaging, prescriptions, and specialists as usual.

The membership fee vs your insurance

The concierge membership is a separate fee for the relationship with your physician: 24/7 access, same or next-day visits, longer appointments, and care coordination. That fee is not billed to insurance, because it covers access and time rather than a billable procedure.

The medical care itself goes through your insurance. At Seth Premier Medical we are in-network and bill your insurance for visits, including telehealth, just like a traditional practice, so standard plan copays apply. Bloodwork, imaging, prescriptions, hospital care, and outside specialists are billed to your insurance too. The membership sits alongside your coverage, it does not replace it.

Medicare and HSA or FSA funds

If you have Medicare, you keep it and use it for covered services; the membership is a separate fee for the non-covered access and amenities. Because the rules around concierge care and Medicare are specific, we walk you through exactly how it works for your situation.

Many members are able to use HSA or FSA funds toward the membership. Rules vary by plan, so confirm with your administrator, and we provide documentation to help.

Related program

Concierge Membership at Seth Premier Medical

Physician-supervised, in Tampa, with Dr. Rishi Seth.

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Does Insurance or Medicare Cover Concierge Medicine?, answered.

The membership fee itself is generally not billed to insurance, since it covers access and time beyond a billable visit. At Seth Premier Medical, the practice is in-network and bills your insurance for the actual visits, including telehealth, and your insurance covers labs, imaging, medications, and specialists.

Yes. We are in-network and bill your insurance for visits, including telehealth, just like a traditional practice, so standard plan copays apply. The monthly membership is a separate concierge fee.

You keep Medicare for covered services, and the membership is a separate fee for non-covered access and amenities. The rules are specific, so we walk you through how it applies to your plan.

Many members are able to use HSA or FSA funds toward membership, but rules vary by plan, so confirm with your administrator. We provide documentation to help.

Yes. We bill your insurance for visits, and you use it for labs, imaging, medications, hospital care, and specialists. The membership is a separate concierge fee for the access and time insurance does not pay for.

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