Frequently Asked Questions

Concierge medicine is a membership-based model of healthcare that gives you direct access to your doctor without the long waits or rushed visits common in traditional primary care. At Three Rivers, you’ll enjoy same-day or next-day appointments, extended visits, and direct access to your physician for urgent concerns.

Membership is $325 per month. This flat fee covers unlimited visits, direct communication with your doctor, care coordination, and preventive health planning. You’ll still use your insurance for labs, imaging, medications, and specialist visits.

No. The membership fee does not replace your insurance premium. Insurance is still required for services outside our office—such as hospital care, imaging, prescriptions, and specialist visits. Blood draws happen right here in our office with our in-house phlebotomist, so there’s no separate trip to an outside lab; your insurance covers the lab processing. Your membership ensures you have unlimited time, direct access, and preventive care with your physician, while your insurance continues to cover the broader healthcare system.

You’ll continue using your insurance for services such as labs, imaging, prescriptions, and specialist referrals. Your membership fee covers the time, access, and direct physician relationship at Three Rivers. This model ensures you get the best of both worlds—the convenience and personalization of concierge care, plus the broader coverage your insurance provides.

No. Members have blood drawn right in our Creve Coeur office by our own phlebotomist. It takes a few minutes, during a visit or at a time that suits you, and a courier takes samples to the lab every day, so results come back in about the same time the big labs take. Lab processing is billed to your insurance as usual.

Membership fees generally can't be paid from a Health Savings Account (HSA). A 2026 change in the tax law covers only simpler direct primary care plans below a set monthly limit, and our membership doesn't fall into that category. Some Flexible Spending Account (FSA) plans may reimburse part of the fee, so check with your plan administrator; we're happy to give you an itemized receipt to submit. You can keep using your HSA or FSA as usual for care that goes through insurance: lab processing, imaging, prescriptions and specialist visits. For questions about your own taxes, please talk with your tax advisor.

• Appointments last 30–60 minutes (compared to the typical 10–15).
• Same-day or next-day scheduling.
• Direct text and phone access to your doctor.
• In-body and in-office diagnostic equipment to guide precision health decisions.
• Comprehensive care coordination with specialists and hospitals so nothing falls through the cracks.
   

Each physician at Three Rivers limits their panel to 500 patients or fewer. In traditional practices, one doctor may be responsible for 2,500+ patients. By keeping panels intentionally small, we ensure time, access, and highly personalized care.

Not right now: we’re accepting new members. Panels are capped at 500 patients per physician, so if we ever fill, we’ll keep a waitlist and let you know as soon as a spot opens. A meet-and-greet now is the best way to secure your place.

Our patients include:

• Busy professionals who value time and accessibility.
• Adults seeking proactive, preventive healthcare.
• Individuals planning major life changes (such as pregnancy).
• Adults managing complex or chronic health issues who need close coordination and extra time with their physician.
• Those frustrated with rushed, fragmented traditional care.

At this time, Three Rivers provides care for adults ages 18 and older only. We may expand to pediatric care in the future, but currently memberships are limited to adults.

• Unlimited office visits with extended appointment times.
• Annual wellness planning and preventive screenings.
• Nutrition, fitness, and lifestyle guidance.
• Direct access to your doctor via phone, text, or secure message.
• In-body and in-office diagnostics to track your health.
• Care coordination with specialists and hospitals.

Concierge Care is for individuals who want direct, personalized healthcare through a monthly membership.

Executive Care is designed for businesses that want to provide this same level of care to their leadership teams or employees as a company-sponsored benefit. Executive Care emphasizes same-day access, comprehensive annual exams, preventive health planning, and minimizing time away from work while ensuring confidentiality.

At Three Rivers, we provide both Concierge Care and Executive Care. You can learn more about our Executive Care program here.

Both models charge a flat membership fee, but Direct Primary Care (DPC) usually operates without billing insurance at all.

At Three Rivers, we practice Concierge Care:

• Your membership fee covers access, extended visits, and direct physician communication.
• Insurance is still billed for labs, imaging, medications, and outside services.
• This blended model gives you the personal access of DPC with the broader coverage of insurance when you need care beyond our office.

Yes. We offer a complimentary meet-and-greet visit where you can get to know the physician, tour our office, and ask questions before deciding if concierge care is right for you.

Yes. Virtual visits are available for times when coming to the office isn’t convenient. This allows you to stay connected with your physician whether you’re traveling, busy at work, or just prefer the convenience of telemedicine.

If hospitalization is required, we coordinate closely with the admitting team and specialists to ensure continuity of your care. While we do not replace hospital physicians, we stay in close communication to advocate for you and help guide decisions.

Membership is $325 per month, billed annually. If your circumstances change, we’ll work with you to transition your care appropriately.