How much does a membership doctor cost in Tucson, and what do you get?

Three ways to pay for a doctor

Insurance-based clinics. You pay a premium to an insurer, then a copay or your deductible for each visit. If you’re on a high-deductible plan, an office visit can cost $150 to $300 out of pocket until you meet the deductible, and you’re paying for the time the clinic spends on billing as well as on you.

Direct primary care. You pay the practice a flat membership, and office care is included. When we checked Tucson practices, published adult rates ran from about $75 to $150 a month, sometimes with a one-time enrollment fee of $50 to $100. Rincon Valley Medicine is $120 a month, or $1,368 a year if you pay yearly, with no enrollment fee. Founding members pay $100 a month.

Concierge medicine. You pay an annual fee for access and a wellness program, and the practice still bills your insurance for visits. Tucson concierge fees were published at roughly $2,150 to $3,100 a year when we checked, and several practices had waiting lists.

Prices change. Treat these as a guide and check each practice directly.

What a $120 membership replaces

Think about where the money goes today.

• Copays. Four office visits a year at a $40 copay is $160. A couple of urgent care trips at $75 each adds $150.
• Deductible spending. On a high-deductible plan, those same visits are billed at the clinic’s full rate until you meet the deductible. Two sick visits, a physical and a follow-up can easily be $600 or more.
• Time. Weeks of waiting for an appointment, an afternoon in a waiting room, a phone tree for a refill. Nobody invoices you for that, and it’s the cost people say they feel most.

A membership turns all of that into one predictable number and adds things most clinics don’t offer: a doctor you can message, same- or next-day appointments on clinic days, and a visit that lasts as long as it needs to.

A worked example

A family in Vail buys a marketplace plan with a $3,000 deductible. One adult has high blood pressure and sees a doctor four times a year; the other goes twice. At a typical insurance-based clinic, billed at $180 to $250 a visit against the deductible, that’s roughly $1,100 to $1,500 a year in primary care, plus the deductible still has to be met for anything else.

With two Direct memberships paid yearly, the first adult pays $1,368 and the second $1,300 (5% off). That’s $2,668 for unlimited office and video visits, direct messaging, and two full annual physicals. At the founding price it’s $2,223 ($1,140 and $1,083). The plan stays in place for the hospital, specialists and prescriptions.

Is that cheaper? For this family, no. Membership costs roughly $700 to $1,600 a year more than they spend on primary care now, depending on the price they lock in. What they get for it is much more access and no bills from the practice. For a single adult on a high-deductible plan who gets sick a few times a year, it is often less. For someone who sees a doctor once a year and is happy with their clinic, it is more. We’d rather you do the arithmetic honestly than join on a promise.

The HSA question

Federal rules that began in 2026 made direct primary care memberships an HSA-eligible expense, up to $150 a month for one person or $300 for a membership covering more than one. Having one also no longer stops you contributing to an HSA. Our single-adult memberships are inside that limit. Check with your accountant if you have questions about your own account.

Founding membership

The first 100 members pay $100 a month or $1,140 a year, and that price is locked for three years of continuous membership. Founding members also get first choice of first-visit times before we open in November 2026. Like every membership, it can be cancelled with 30 days’ notice, and unused prepaid months are refunded.

See full pricing or book a free 15-minute call with Dr. Witt.