How Much Does Concierge Medicine Cost in Seattle?

Concierge medicine in Seattle generally runs from about $2,000 per year at the entry level to more than $30,000 per year at the top. Most of the spread comes down to one variable: how many patients the physician agrees to take. Kosmos Medical Group sits in the middle at $6,900 a year for Premium Care and $15,000 a year for Optimal Care.

That is the short answer. The longer answer is worth reading, because price alone tells you very little about what you are buying.

The three tiers, and what separates them

MD², the Seattle-founded practice that arguably invented the category, publishes its own view of the market in three bands: $2,000 to $4,000 a year, $5,000 to $10,000 a year, and $15,000 to $40,000 a year for what it calls ultra-personalized care.

That framing is roughly right, and here is what actually changes as you move up.

Around $2,000 to $4,000 a year. This is access pricing. You are paying for a shorter wait, a direct phone number, and a longer annual physical. The physician usually still carries several hundred patients, often 400 to 600, because the membership fee supplements insurance billing rather than replacing it. This tier is a meaningful improvement over a standard practice. It is not a different model of medicine.

Around $5,000 to $15,000 a year. Panels shrink, typically into the low hundreds. Testing gets more serious. This is the range where practices start including advanced diagnostics rather than referring you out for them, and where 24/7 physician access becomes a real commitment instead of an answering service.

$15,000 and up. Panel sizes drop to 50 families or fewer. MD² has publicly described memberships in the $24,000 to $25,000 range. At this level you are buying near-unlimited availability, and the price reflects the arithmetic: if a physician sees 50 families instead of 2,000 patients, each family carries a much larger share of the practice’s cost.

Why the fee tracks the panel, not the amenities

The single number that determines what a concierge practice can actually do for you is how many people the doctor is responsible for.

A typical insurance-based primary care physician in Washington carries somewhere between 1,900 and 2,500 patients. That is why visits are 15 minutes and why it takes three weeks to be seen. No amount of goodwill fixes a schedule with that much on it.

At Kosmos, each physician holds a panel of 100 families. That is the constraint everything else follows from. Same-day and next-day appointments are possible because the calendar has room. A physician can answer a text at 9pm because there are not 2,000 people who might text. Annual visits can run two hours because they are not competing with 25 other slots that day.

When you compare two concierge practices, ask both for their panel number before you ask about anything else.

What Kosmos charges

Premium Care: $575 per month, or $6,900 per year. The complete primary care relationship. Same-day or next-day appointments, 24/7 direct physician access, extended annual visits, coordination with specialists, and the eight-focus-area preventive framework.

Optimal Care: $1,250 per month, or $15,000 per year. Everything in Premium Care, plus the full advanced diagnostics program: whole-body MRI, coronary CT angiography, VO2 max testing, DEXA body composition, continuous glucose monitoring, advanced cardiovascular and cancer screening, and genetic testing.

Children of members, ages 15 to 29: $200 per month, or $2,400 per year.

The Optimal Care number is worth a second look. If you were to buy the diagnostics in that tier individually in Seattle, a whole-body MRI alone typically runs $2,500 or more, a coronary CT angiogram with plaque analysis several thousand, and a multi-cancer early detection blood test around $950. The tier is priced so that the testing is bundled into the relationship rather than sold as add-ons.

What the fee does not cover

This matters more than the fee itself, and it is the most common misunderstanding.

A concierge membership is not insurance and does not replace it. It covers the primary care relationship. It does not cover hospitalization, surgery, specialist care, emergency department visits, imaging performed outside the practice, or prescriptions. Every Kosmos member keeps their own health insurance for those things.

Kosmos does not bill insurance for primary care. That is a deliberate choice: billing insurance is what forces the 15-minute visit in the first place. Members can still submit certain costs against an HSA or FSA depending on their plan, and we are happy to talk through the specifics.

A note on practices that will not quote a price

Some national concierge networks do not publish pricing at all. MDVIP, the largest of them, states that membership fees vary by location and physician and directs prospective patients to look up an individual doctor’s profile.

There is a defensible reason for this, since the physicians are independent affiliates rather than employees. But it does mean that if you are comparison shopping, you will have to call. Ask for the annual fee, ask what is included, and ask for the panel size.

What to do with this

If you are weighing concierge medicine, the useful questions are not about the fee. They are:

• How many patients or families does this physician carry?
• What is actually included, and what generates a separate bill?
• What happens at 9pm on a Saturday?
• Is the advanced testing included, or referred out and billed separately?

We are glad to answer all four for Kosmos on a call, and equally glad to tell you if we are not the right fit. You can read how concierge medicine in Seattle works at Kosmos, see the full membership breakdown, or schedule a 30-minute call with one of our physicians.