$500 a month at the founding rate, with primary care and functional medicine from one physician. Practices offering this level of attention have charged $25,000 to $50,000+ a year. For many people Terrain Medical lands close to what they are already spending.
Three ways to begin, depending on where you are.
PATH A
15 minutes, video, no obligation
A call with me about the practice, how the model works, and whether it fits what you need. The right place to begin if you're considering me for your primary care, your functional medicine, or both, and want to understand how I work first.
PATH B
60 to 80 minutes, video, real clinical work
I review your case, order labs if they're needed, and prescribe when it's appropriate. You leave with a written plan in your portal.
All 150 founding memberships lock in $500 a month for as long as they stay. Once the practice fills, new families join a waiting list and enroll at the standard rate of $600 a month.
Your whole family can join under one roof. Kids under 10 are free. A spouse or partner joins under your membership at $400 a month at the founding rate. Ages 10 to 17 are $300 a month for the first child, $200 for the second, and $100 for each after that. Every paid rate rises $100 once the practice fills. Children are seen from birth; anything that needs a hands-on exam is referred to a trusted local provider.
The founding rate stays open until every founding spot is filled.
More than 90%
of essential health services can be delivered through primary care. Here, that includes integrative medicine, from the same physician.
World Health Organization estimate; The Lancet, 2024.
Side by side, line by line. At Terrain Medical, primary care and functional medicine are part of the membership from the first day.
| Primary care through insurance | Primary care through Terrain Medical | |
|---|---|---|
| Total monthly cost of your healthcare | $505 to $1,600 in monthly premiums, before you’ve paid for any actual care1 | $500 membership + about $500 to $650 for a basic plan = about $1,000 to $1,150/mo2 |
| What you pay for primary care before insurance kicks in | A $3,000 to $8,000 deductible, every year3 | Nothing. It's part of the membership. |
| Time with your doctor | 15-minute visits, 2 to 4 a year | Unlimited visits. An 80-minute first visit, and follow-ups run as long as they need to |
| Integrative and root-cause care | Not part of the plan, at any price | Built in. Integrative medicine alongside your primary care, from one physician. |
| What you pay per visit | A $35 to $50 copay once you've met your deductible, full price before that | None |
| Labs and bloodwork | Billed at hospital and lab rates, and applied to your deductible until it's met | The Terrain Lab Panel is included twice a year. Beyond it, wholesale rates or your insurance, whichever is cheaper. Prices below. |
| Reaching your doctor | You send a message through a website and wait days for a reply, often from staff | Message me directly. I read and answer morning and evening, seven days a week |
| Coordinating your specialists | You relay your own history and test results from one office to the next | I contact your other doctors directly |
| Hospital and specialists | Covered after your deductible | Covered by the insurance plan you keep |
Through insurance
$505 to $1,600 in monthly premiums, before you’ve paid for any actual care1
Through Terrain Medical
$500 membership + about $500 to $650 for a basic plan = about $1,000 to $1,150/mo2
Through insurance
A $3,000 to $8,000 deductible, every year3
Through Terrain Medical
Nothing. It's part of the membership.
Through insurance
15-minute visits, 2 to 4 a year
Through Terrain Medical
Unlimited visits. An 80-minute first visit, and follow-ups run as long as they need to
Through insurance
Not part of the plan, at any price
Through Terrain Medical
Built in. Integrative medicine alongside your primary care, from one physician.
Through insurance
A $35 to $50 copay once you've met your deductible, full price before that
Through Terrain Medical
None
Through insurance
Billed at hospital and lab rates, and applied to your deductible until it's met
Through Terrain Medical
The Terrain Lab Panel is included twice a year. Beyond it, wholesale rates or your insurance, whichever is cheaper. Prices below.
Through insurance
You send a message through a website and wait days for a reply, often from staff
Through Terrain Medical
Message me directly. I read and answer morning and evening, seven days a week
Through insurance
You relay your own history and test results from one office to the next
Through Terrain Medical
I contact your other doctors directly
Through insurance
Covered after your deductible
Through Terrain Medical
Covered by the insurance plan you keep
More expensive insurance plans mostly just lower your hospital bills. They don’t buy you more time with a doctor.
A whole year of conventional primary care adds up to about 45 minutes of your doctor’s time, three visits at 15 minutes each. Your first appointment at Terrain Medical runs longer than that on its own, and every visit after it is included.
1 Florida individual market, 2026, 40-year-old, unsubsidized, Bronze to Platinum (FL Office of Insurance Regulation). 2 The $500 rate is the founding-member rate. These monthly totals are premiums plus membership; deductibles and per-visit copays are shown in the table above. 3 What you pay each year before the plan covers most care. A Silver plan’s deductible runs about $3,000 to $5,000 a year. Bronze and high-deductible plans run higher.
If you see specialists often, pair the membership with a higher-coverage insurance plan. If you rarely do, a basic plan may be all you need.
One thing to be clear about: Terrain Medical is not health insurance. I’m your doctor, not your insurance plan. Keep an insurance plan for hospitals, emergencies, and surgeries. My membership works alongside it.
The Terrain Lab Panel is included in your membership twice a year. And when something on your labs needs to be checked again, that repeat test is free too. For anything beyond that, you pay the lab or imaging center directly at wholesale rates, or run it through your insurance when that’s cheaper. There’s no markup from this practice. A few examples:
| Labs | Wholesale price |
|---|---|
| Complete metabolic check | from $8 |
| Full thyroid check | from $8 |
| Hormone panel | from $49 |
These run a fraction of hospital pricing for the same tests.
Same idea as labs. When you need a scan, I send you to a cash-pay imaging center and you pay them directly at their cash price. No markup from this practice.
| Imaging | Cash price |
|---|---|
| X-ray | from $25 |
| Ultrasound | from $100 |
| CT scan | from $150 |
| MRI | from $266 |
Or run it through your insurance when that’s cheaper.
A doctor who knows you and has the time to find what’s wrong has usually meant concierge medicine. Conventional concierge practices charge a membership and still run your care through insurance, so the premiums, deductibles, and copays continue on top. Functional and integrative clinics charge a membership too, but many can’t prescribe or manage your full primary care, so you keep a separate doctor for that. Terrain Medical is both at once, primary care and integrative care from one physician, at $500 a month, with no insurance billing at all.
Yes. Keep at least a catastrophic or high-deductible plan for hospital stays, surgery, emergency room visits, and specialist visits. The membership doesn't cover those; your insurance does. Bronze and catastrophic plans also qualify you for an HSA under the 2026 rules, which you can put toward labs, prescriptions, and other care.
Membership isn't open yet to patients who are on Medicare or old enough to qualify for it. That changes in late 2027.
Members who pay annually save 10 percent. At the founding rate, that's $5,400 for the year instead of $6,000, a savings of $600. At the standard rate, it's $6,480 instead of $7,200, a savings of $720.
Still have a question about cost? The free 15-minute call is the place to ask it.
Book a Free 15-Minute Call