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Terrain Medical

What membership costs.

Practices offering this level of attention have charged $25,000 to $50,000 or more per year. Terrain Medical is $500 a month at the founding rate, with primary care and functional medicine from one physician. Add up what you already spend each month on premiums, copays, urgent care, and piecemeal appointments, and for many people, Terrain lands close to that number.

Three ways to begin, depending on where you are.

PATH A

30-Minute Practice Introduction Call

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.

  • 30 minutes, video
  • Meet me personally and ask anything about the practice.
  • Leave knowing exactly how membership would work for you and your family.
  • Not a medical visit: no diagnosis, treatment, prescribing, or individualized medical advice
  • Many practitioner-referred patients start here
Book a 30-Minute Practice Introduction Call

PATH B

A single doctor's visit, no membership needed

$400

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.

  • A full 60 to 80 minute visit, by video
  • For both primary care and functional medicine
  • I read your records and history before we meet
  • Labs and imaging ordered if needed, at wholesale prices
  • Prescription medications and supplements when appropriate
  • A written plan you keep, in your portal
  • Questions about your plan answered through the portal for two weeks after the visit
Book a Doctor's Visit
FOUNDING MEMBER · LOCKED FOR LIFE

Terrain Medical Membership

$500 / month

All 150 founding memberships lock in $500 a month for as long as they stay. Once the 150 founding spots fill, new applicants join a waiting list, and the monthly rate will likely increase.

  • A comprehensive 80-minute first appointment
  • Message me directly. I read messages morning and evening, seven days a week, and you'll hear back within a day.*
  • Follow-up video visits around your clinical needs, with no per-visit fee.
  • Full medication management across primary care
  • A plan that covers nutrition, exercise, sleep, performance, and medication together
  • The Terrain Lab Panel, included up to twice a year, with my personal review of every result
  • Coordination with every other practitioner involved in your care
  • An integrative perspective on every clinical decision
  • Cancel anytime before your next billing date

*Every effort is made to keep this rhythm; rare exceptions happen when life intervenes. Messaging is for nonurgent questions and is never for emergencies.

Apply for Membership

Family pricing: your whole family can join under one roof, and kids under 10 are free. Joining solo? One membership covers you completely, and family can always join under it later. Only memberships count toward the 150. A spouse or partner joins under your membership at $400 a month at the founding rate. Kids under 10 are free. Ages 10 to 17 are $300 a month for the first child, $200 for the second, and $100 for each after that. Children are seen from birth; anything that needs a hands-on exam is referred to a trusted local provider.

More than 90%

The WHO estimates about 90 percent of essential health services can be delivered through primary care. At Terrain Medical, that primary care includes integrative medicine, from one physician.

World Health Organization estimate; The Lancet, 2024.

What you actually pay, compared to insurance.

Side by side, line by line. At Terrain Medical, primary care and functional medicine are part of the membership from the first day.

Total monthly cost of your healthcare

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 insurance plan = about $1,000 to $1,150/mo2

What you pay for primary care before insurance kicks in

Through insurance

A $3,000 to $8,000 deductible, every year3

Through Terrain Medical

Nothing extra. It's part of the membership.

Time with your doctor

Through insurance

20-minute visits, 2 to 4 a year

Through Terrain Medical

No predetermined limit on visits. An 80-minute first visit, and follow-ups run as long as they need to.

Integrative and root-cause care

Through insurance

Not part of the plan

Through Terrain Medical

Built in. Integrative medicine alongside your primary care, from one physician.

What you pay per visit

Through insurance

A $35 to $50 copay once you've met your deductible, full price before that

Through Terrain Medical

Nothing.

Labs and bloodwork

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 up to twice a year. Beyond it, wholesale rates or your insurance, whichever is cheaper. Prices below.

Reaching your doctor

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 messages morning and evening, seven days a week, and you'll hear back within a day.

Coordinating your specialists

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

Hospital and specialists

Through insurance

Covered after your deductible

Through Terrain Medical

Your basic insurance plan still covers this, after your deductible. Nothing changes here.

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 an hour, three visits at 20 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.

What labs cost here.

The Terrain Lab Panel is included in your membership twice a year. And when something on your labs needs watching, I designate that recheck as included. 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:

Example prices below.

LabsWholesale price
Complete metabolic checkfrom $8
Full thyroid checkfrom $8
Hormone panelfrom $49

These run a fraction of hospital pricing for the same tests.

These are real prices as of August 2026. They change by location and by the exact test, so I confirm the cost with you before anything gets ordered.

What imaging costs here.

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.

ImagingCash price
X-rayfrom $33
Ultrasoundfrom $115
CT scanfrom $130
MRIfrom $266

Or run it through your insurance when that’s cheaper.

These are real prices as of August 2026. They change by location and by the exact test, so I confirm the cost with you before anything gets ordered.

How this compares to other options.

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.

A few important details.

Should I keep my insurance?

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. On HSAs: the federal direct primary care rules changed in 2026, and I can’t guarantee tax treatment, so check with your HSA administrator or tax adviser before paying membership fees from an HSA.

Still have a question about cost? The 30-Minute Practice Introduction Call is the place to ask it.

Book a 30-Minute Practice Introduction Call