Concierge Healthcare Partners enhanced membership programs are not usually covered by your traditional insurance plan or Medicare. As long as you are currently on your insurance plan or accept your out-of-network benefits with your physician, nothing will change with your insurance coverage. The annual fee for the concierge program covers the cost of the annual physical. Follow-up and routine exams are paid for through programs like private insurance, Medicare or fee for service. Concierge medical programs focus on early detection and prevention, which most insurances don’t cover.