You’re paying $99, $175, or $500 per month for your Direct Primary Care membership, but do you actually know what that covers? Most people sign up understanding they get “more time with their doctor” and “no copays,” but the full scope of what’s included – and what’s not – remains frustratingly unclear until they need specific care.
I know this because the question “what does DPC actually cover?” is the first thing potential patients ask after learning about the membership model. The confusion is understandable when you’re comparing it to traditional insurance that covers some things at 80%, others at 100%, and still others not at all. Here’s the complete breakdown of what your DPC membership includes, what it doesn’t, and how to think about coverage in a model that works completely differently from insurance.
Understanding DPC Coverage vs. Insurance Coverage
Before we dive into specifics, you need to understand that Direct Primary Care coverage works nothing like insurance coverage. This isn’t a semantic difference – it’s a fundamental shift in how you access and pay for primary care services.
Insurance coverage operates on this model:
- Per-service billing – Each visit, test, and procedure generates a separate bill
- Cost-sharing structures – You pay deductibles, copays, and coinsurance
- Coverage limitations – Insurance decides what’s “medically necessary” and denies what isn’t
- Surprise bills – You often don’t know the cost until after receiving care
- Access restrictions – Visit frequency limited by what insurance will pay for
DPC coverage operates on this model:
- Membership fee – One predictable monthly payment covers all included services
- Unlimited access – Use services as often as medically appropriate without additional fees
- Transparent inclusions – You know upfront what’s covered in your membership tier
- No surprise bills – Anything outside membership scope is discussed and priced before proceeding
- Time-based value – You’re paying for access to your physician, not per-service charges
This matters because when you ask “what does DPC cover,” you’re really asking “what services can I access with my monthly membership?” The answer depends on your membership tier at Craft Concierge, but the framework remains consistent across all levels.
What Direct Primary Care Covers: Complete DPC Membership Benefits
Office Visits and Consultations
Your DPC membership includes unlimited office visits without additional charges. This is fundamentally different from traditional primary care, where each visit triggers a copay or counts against your deductible.
Included visit types:
- Same-day sick visits – Acute illness care when you’re feeling unwell, no waiting for appointments weeks out
- Routine wellness visits – Annual physicals and health maintenance appointments
- Chronic disease follow-ups – Regular monitoring visits for conditions like diabetes, hypertension, or thyroid disease
- Medication management appointments – Adjusting prescriptions and monitoring medication effectiveness
- Extended consultation visits – 30-60 minute appointments for complex health discussions
- Follow-up care – Post-procedure or post-illness check-ins without additional cost
- Preventive care visits – Health screening and early disease detection appointments
The visit length matters here. Traditional primary care averages 8-10 minutes per appointment because physicians need to see high patient volumes to make insurance reimbursement work. Your DPC appointments typically run 30-60 minutes because your membership fee allows your physician to maintain smaller patient panels and spend actual time with you.
Telehealth and Remote Care
Your membership includes comprehensive remote access to your physician through multiple channels, all without additional fees.
Included telehealth services:
- Video visits – Virtual appointments for conditions that don’t require physical examination
- Phone consultations – Direct phone access to your physician for medical questions
- Text messaging – Secure messaging for non-urgent medical questions and follow-up
- Email communication – Detailed medical correspondence with your physician
- 24/7 urgent support – After-hours access for urgent medical concerns
- Prescription refills via telehealth – Medication renewals without office visits when appropriate
This level of access is what makes DPC fundamentally different. When you text your doctor at 9 PM about your child’s fever or message about a medication side effect, you’re not generating additional charges. The communication is included in your membership because it prevents unnecessary ER visits and keeps minor issues from becoming major problems.
Preventive Screenings and Health Assessments
Preventive care coverage varies by membership tier at Craft Concierge, but all levels include basic preventive services.
Core preventive services included:
- Annual physical examinations – Comprehensive yearly health assessments
- Blood pressure monitoring – Regular BP checks and hypertension screening
- Diabetes screening – Blood glucose testing for early diabetes detection
- Cholesterol screening – Lipid panel testing to assess cardiovascular risk
- Body composition analysis – BMI, body fat percentage, and metabolic assessments
- Cancer screenings – Age-appropriate screening recommendations and coordination
- Immunization counseling – Vaccine recommendations and administration
Advanced preventive services (Vitality and Longevity tiers):
- Advanced cardiac imaging – Including coronary calcium scoring and cardiac CT
- Full-body screening – Comprehensive imaging to detect early disease (Longevity tier)
- Cleerly cardiac assessment – Advanced heart disease detection available in Tulsa (Vitality and Longevity tiers)
- Expanded lab panels – More comprehensive metabolic and hormone testing
- Executive health assessments – In-depth annual evaluations for proactive health optimization
Chronic Disease Management
If you have ongoing health conditions, your DPC membership includes comprehensive management without per-visit charges eating into your healthcare budget. According to the CDC, 6 in 10 Americans live with at least one chronic disease, making accessible primary care essential.
Covered chronic disease management:
- Diabetes management – Regular monitoring, medication adjustments, A1C testing, and lifestyle counseling
- Hypertension control – Blood pressure monitoring, medication management, and cardiovascular risk reduction
- Thyroid disease management – TSH monitoring, medication adjustments, and symptom management
- Asthma and COPD care – Respiratory condition management and medication optimization
- Heart disease management – Post-cardiac event care and ongoing cardiovascular monitoring
- Obesity and weight management – Medical weight loss support and metabolic optimization
- Chronic pain management – Non-surgical pain treatment and medication management
- Mental health support – Anxiety and depression management within primary care scope
The unlimited visit structure means you’re not rationing your care. If your diabetes needs weekly monitoring during medication adjustments, you get weekly visits. If your blood pressure requires twice-monthly checks, that’s what happens. The care frequency matches your medical needs, not what insurance will reimburse.
Laboratory Testing
Lab testing coverage depends on your membership tier and the specific tests needed.
Included lab services:
- In-office testing – Point-of-care tests like rapid strep, flu, COVID-19, and urinalysis performed in the office
- Basic blood work – Common panels like CBC, CMP, lipids, and A1C at significantly discounted rates
- Routine monitoring labs – Testing for chronic disease management at wholesale pricing
- Preventive screening labs – Age-appropriate blood work for early disease detection
How lab pricing works:
- Wholesale cost – DPC practices negotiate direct pricing with labs, often resulting in significantly lower costs than insurance-billed rates
- Transparent pricing – You know the cost before testing, not after receiving a surprise bill
- Bundled with higher tiers – Vitality and Longevity memberships include more lab work in the monthly fee
- No markup – You pay what the lab charges the practice, not an inflated rate
Minor Procedures and In-Office Treatments
Your membership includes many procedures that would generate separate facility fees and procedure charges in traditional settings.
Included minor procedures:
- Wound care and suturing – Laceration repair and wound management
- Abscess drainage – Incision and drainage of simple abscesses
- Skin lesion removal – Excision of benign lesions and skin tags
- Joint injections – Corticosteroid injections for joint pain and inflammation
- Trigger point injections – Muscle injection therapy for pain management
- Nail removal – Ingrown toenail treatment
- Minor burn treatment – First and second-degree burn care
- Foreign body removal – Splinter removal and minor foreign object extraction
- Ear lavage – Ear wax removal and ear cleaning
- Simple fracture care – Splinting and initial management of minor fractures
These procedures would typically generate separate facility fees and procedure charges in an urgent care setting. In your DPC membership, they’re included when medically appropriate. The cost savings from avoiding even one urgent care visit can represent significant value over time.
Care Coordination and Navigation
One of the most valuable – and most overlooked – coverage components is comprehensive care coordination.
Included coordination services:
- Specialist referrals – Recommendations and direct connections to trusted specialists
- Hospital communication – Direct physician-to-physician communication about your care
- Medical records management – Organizing and interpreting your complete medical history
- Insurance navigation – Help understanding what your insurance covers for services outside DPC
- Prior authorization assistance – Support with insurance approval processes for specialist care
- Treatment plan coordination – Ensuring all your providers work together coherently
- Imaging results interpretation – Explaining CT, MRI, and X-ray results in understandable terms
- Prescription management – Coordinating medications across multiple specialists
Your DPC physician becomes your healthcare quarterback. When five different specialists are making recommendations, your DPC doctor synthesizes everything into a coherent treatment plan and catches potential medication interactions or conflicting advice.
What Direct Primary Care Doesn’t Cover: Important Exclusions
Direct Primary Care covers comprehensive primary care services, but it’s not health insurance and doesn’t replace the need for coverage of major medical events. Understanding what’s excluded helps you plan appropriately and avoid surprises.
Specialty Care
DPC membership covers primary care provided by your DPC physician, but not care from specialists outside the practice.
Not included – requires separate payment or insurance:
- Cardiology visits – Heart specialists for complex cardiac conditions
- Orthopedic care – Bone and joint specialists for surgical evaluation
- Neurology appointments – Neurologists for complex neurological conditions
- Dermatology (complex) – Advanced dermatological procedures beyond simple lesion removal
- Gastroenterology – GI specialists and procedures like colonoscopies
- Oncology – Cancer treatment and specialized oncology care
- Surgery consultations – Surgical specialists and surgical procedures
- Psychiatry – Specialized psychiatric care beyond primary care mental health management
However, your DPC physician provides the referral, communicates directly with specialists, and coordinates your care across all providers. You’re not navigating the specialist landscape alone.
Advanced Imaging (Varies by Location and Tier)
Imaging coverage depends on your membership tier and location. Craft Concierge offers significant advantages here compared to typical DPC practices.
Imaging included at Craft Concierge locations:
- X-rays – Basic radiographic imaging performed in-house
- Ultrasound – Diagnostic ultrasound available at both locations
- CT scans – Advanced imaging included with Vitality and Longevity tiers
- MRI scans – Magnetic resonance imaging included with Vitality and Longevity tiers
- Cardiac imaging – Advanced heart imaging with higher tier memberships
Core tier ($99/month) imaging:
- X-rays and basic ultrasound included
- CT and MRI available at wholesale pricing (significantly discounted from typical costs)
- Transparent pricing provided before any advanced imaging
This represents a significant difference from most DPC practices, which don’t have in-house imaging capabilities at all. Having CT and MRI available in-house – and included in higher tier memberships – eliminates the typical 2-4 week wait for imaging appointments and the coordination hassles of outside facilities.
Hospitalizations and Emergency Care
DPC membership doesn’t cover hospital stays, emergency department visits, or inpatient care.
Not covered – requires insurance or self-pay:
- Emergency room visits – ER care for acute emergencies
- Hospital admissions – Inpatient hospital stays for any reason
- ICU care – Intensive care unit treatment
- Ambulance transport – Emergency medical transport services
- Observation stays – Hospital observation without full admission
- Inpatient procedures – Surgeries and procedures requiring hospitalization
This is why most DPC patients maintain catastrophic or high-deductible health insurance. Your DPC membership handles 80-90% of your healthcare needs (primary care), while insurance covers the 10-20% of major medical events (hospitalizations, surgeries, emergency care).
Prescription Medications
Medications are not included in your DPC membership fee, but your practice provides significant cost advantages.
How medication costs work:
- Retail pharmacy – You can fill prescriptions at any pharmacy using insurance or cash pricing
- Wholesale pricing access – Your DPC practice can help you access wholesale medication pricing, often substantially less than retail pharmacy costs
- Generic alternatives – Your physician prioritizes generic medications when clinically appropriate
- Medication cost counseling – Discussion of medication costs before prescribing expensive drugs
- Alternative suggestions – Recommendations for equally effective but more affordable medication options
Your DPC physician isn’t incentivized by pharmaceutical companies and can freely recommend the most cost-effective medications for your condition. This often results in lower total medication costs than in traditional settings where expensive brand-name drugs are routinely prescribed.
Durable Medical Equipment
Medical equipment and supplies are not included in membership fees.
Not covered – separate purchase required:
- Diabetic supplies – Blood glucose monitors, test strips, insulin pumps
- CPAP machines – Sleep apnea treatment devices
- Orthotics and braces – Specialized support devices
- Wheelchairs and walkers – Mobility assistance devices
- Home oxygen – Oxygen concentrators and supplies
- Nebulizers – Respiratory treatment devices
However, your DPC physician can write prescriptions for this equipment, which may be covered by your health insurance if you maintain separate coverage.
Dental and Vision Care
DPC membership covers medical care, not dental or vision services.
Not covered – requires separate dental/vision coverage:
- Dental cleanings and exams – Routine dental care
- Dental procedures – Fillings, crowns, root canals
- Orthodontics – Braces and alignment treatments
- Eye exams for glasses – Refraction and prescription updates
- Eyeglasses and contacts – Vision correction devices
- LASIK or vision surgery – Elective vision correction
Your DPC physician can diagnose medical eye conditions (infections, glaucoma concerns) and dental infections, but routine dental and vision care requires separate providers.
DPC Coverage by Membership Tier: What Each Level Includes
Craft Concierge offers three membership tiers, each with different coverage levels. Here’s what each includes:
Core Membership ($99/month)
Best for: Generally healthy individuals who need affordable access to primary care without high-deductible barriers.
Included services:
- Unlimited office visits (same-day, sick visits, wellness exams)
- 30-60 minute appointments
- 24/7 urgent care access
- Text, phone, and video consultations
- Basic preventive screenings
- Chronic disease management visits
- Minor procedures and wound care
- Care coordination and referrals
- In-office point-of-care testing
- Basic X-rays and ultrasound
Additional costs at wholesale pricing:
- Advanced lab work (significantly discounted from typical rates)
- CT and MRI imaging (available at reduced wholesale pricing)
- Medications (wholesale pricing access available)
Vitality Membership ($175/month)
Best for: Those wanting comprehensive preventive care with imaging included, or managing chronic conditions requiring frequent monitoring.
Everything in Core, PLUS:
- Quarterly comprehensive wellness visits
- Advanced preventive screenings included
- CT and MRI imaging included (no additional charge)
- Expanded laboratory panels included
- Advanced cardiac screening (including Cleerly in Tulsa)
- More comprehensive metabolic assessments
- Executive health program access
Value analysis: Advanced imaging like CT and MRI scans can be costly when paid out-of-pocket. The Vitality tier includes this imaging in the monthly fee, which can provide substantial value if you need these services. The included advanced preventive screenings and imaging make this tier ideal for proactive health optimization.
Longevity Membership ($500/month)
Best for: Those prioritizing comprehensive health optimization, early disease detection, and longevity medicine.
Everything in Vitality, PLUS:
- Full-body CT screening for early disease detection
- Most comprehensive laboratory testing included
- Advanced longevity and anti-aging assessments
- Unlimited advanced imaging
- Most extensive preventive screening program
- Concierge-level health optimization
- Priority scheduling and extended appointment times
Value analysis: Full-body CT scans and comprehensive diagnostic imaging represent significant costs as cash-pay services. Combined with unlimited advanced imaging and the most comprehensive preventive care available, this tier is designed for those treating healthcare as an investment in longevity rather than an expense to minimize.
How DPC Coverage Compares to Traditional Insurance for Common Scenarios
Understanding DPC coverage becomes clearer when you see how it handles real healthcare situations compared to traditional insurance.
Scenario 1: Managing New Diabetes Diagnosis
Traditional insurance approach:
- Initial diagnosis visit – Copay required
- Follow-up visits every 2 weeks during medication adjustment (4 visits) – Multiple copays
- Monthly monitoring visits for 3 months – Additional copays
- Laboratory testing (A1C, comprehensive metabolic panel, lipid panel) – May require meeting deductible first
- Diabetes education referral – Separate copay or deductible charge
- Total first 3 months: Variable costs depending on insurance plan and deductible status
DPC approach (Core tier):
- Unlimited visits during medication adjustment – No additional charge
- Monthly monitoring – No additional charge
- Extended appointment time for diabetes education – No additional charge
- Text and phone support between visits – No additional charge
- Laboratory testing at wholesale pricing – Reduced cost compared to insurance-billed rates
- Total first 3 months: $297 membership plus wholesale lab costs
The DPC model provides more frequent care, better access, and often lower total costs for chronic disease management.
Scenario 2: Annual Preventive Care with Minor Issue
Traditional insurance approach:
- Annual physical – Often covered at 100%, but limited to specific preventive codes
- Doctor notices concerning mole during exam – Now becomes “diagnostic” visit
- Mole removal reclassified as procedure – Copay plus possible deductible charge
- Lab work beyond standard preventive panel – May hit deductible
- Follow-up visit for results – Additional copay
- Total: What you thought was “free” preventive care generates multiple charges
DPC approach (Core tier):
- Annual physical – Included in membership
- Mole removal during same visit – Included in membership
- Extended time discussing health concerns – Included in membership
- Lab work at wholesale pricing – Reduced cost
- Follow-up discussion via phone or video – Included in membership
- Total: $99 membership plus wholesale lab costs
Scenario 3: Sick Child Needing Multiple Visits
Traditional insurance approach:
- Initial sick visit – Copay required
- Not improving, return visit 2 days later – Additional copay
- Still concerns, third visit – Another copay
- After-hours nurse line (limited help) – Included but impersonal
- Possible urgent care visit if worsening after hours – Higher copay charge
- Total: Multiple copays for one illness episode
DPC approach (family on Core tier):
- Initial visit – Included in membership
- Follow-up visits as needed – Included in membership
- Text physician at 8 PM with concerns – Included in membership
- Video visit next morning to reassess – Included in membership
- Direct physician communication throughout illness – Included in membership
- Total: No additional charges beyond monthly membership
Common Questions About DPC Coverage
Does DPC replace my health insurance?
No. DPC is not insurance and doesn’t cover hospitalizations, emergency care, or specialist services outside the practice. Most DPC patients maintain high-deductible health insurance or catastrophic coverage for major medical events while using DPC for all primary care needs.
Can I use my HSA or FSA to pay for DPC membership?
Currently, IRS regulations don’t allow HSA funds to pay for DPC memberships if you have a high-deductible health plan. However, you can use FSA funds in some cases. Craft Concierge can provide documentation for you to discuss with your benefits administrator.
What happens if I need something not covered by my membership?
Your physician discusses costs upfront before ordering anything outside your membership coverage. You’ll know the price and can make an informed decision. There are no surprise bills – everything is transparent before proceeding.
Can I see specialists while in a DPC practice?
Absolutely. Your DPC physician provides specialist referrals when needed. The specialist visit itself isn’t covered by your DPC membership (you’ll use insurance or self-pay), but your DPC doctor coordinates your care, communicates with specialists, and helps you navigate the specialist landscape.
What if I travel – does my membership cover telehealth from anywhere?
Yes. Your membership includes telehealth access regardless of your location. If you’re traveling and need medical advice, prescription refills, or urgent consultation, you can reach your DPC physician remotely.
Are family members covered, or does each person need their own membership?
Each family member needs their own membership, but Craft Concierge offers family pricing. Children under 18 typically have reduced membership rates, making family coverage more affordable than paying individual adult rates for each person.
Making DPC Coverage Work With Your Health Insurance
Most Craft Concierge patients use DPC alongside a high-deductible health plan (HDHP) or catastrophic insurance. Here’s how that pairing works:
Your DPC membership handles:
- All primary care visits and consultations
- Chronic disease management
- Preventive care and screenings
- Minor procedures and urgent care
- Care coordination
- Most imaging (depending on tier)
- Significantly discounted lab work
Your insurance handles:
- Hospitalizations
- Emergency room visits
- Specialist care
- Major surgeries
- Expensive medications (if you have prescription coverage)
- Durable medical equipment
This combination can provide comprehensive coverage while maintaining affordable primary care access. You’re paying your monthly DPC membership plus a high-deductible insurance premium, which may compare favorably to traditional low-deductible coverage that still requires copays for every visit.
Is DPC Coverage Right for Your Healthcare Needs?
DPC coverage makes sense when you value time with your physician, predictable costs, and comprehensive primary care access. It’s particularly valuable if you:
- Have chronic conditions – Unlimited visits mean you’re not rationing care due to copay costs
- Have a high-deductible plan – DPC provides affordable primary care access before hitting your deductible
- Are self-employed or 1099 – DPC plus catastrophic insurance often costs less than individual market comprehensive plans
- Want preventive care focus – Higher DPC tiers include extensive screening and early detection
- Have a family – Unlimited sick visits without copays saves money with multiple children
- Value time and access – Same-day appointments and direct physician communication are worth the membership investment
DPC coverage might not be the best fit if you:
- Rarely need medical care and have no chronic conditions
- Have comprehensive employer insurance with low copays and great coverage
- Prefer seeing different providers for different issues rather than building a relationship with one physician
- Need frequent specialist care that wouldn’t be coordinated through primary care anyway
Understanding What You’re Really Paying For
When you evaluate DPC coverage, you’re not just comparing services lists. You’re comparing healthcare experiences. Traditional insurance might technically “cover” annual physicals, but you wait three weeks for a 10-minute appointment where your doctor is distracted by their computer screen documenting for billing codes.
Your DPC membership covers 60-minute appointments where your physician actually knows you, remembers your health history without checking charts, and has time to address not just your immediate concern but the broader context of your health. That’s what the membership fee purchases – access to relationship-based medicine that’s been squeezed out of the insurance-driven system.
The coverage question isn’t “Does DPC cover everything insurance covers?” It doesn’t, and it’s not designed to. The coverage question is “Does DPC cover the healthcare I actually use most often, in a way that’s more accessible, affordable, and effective than my current system?”
For most people spending their days navigating insurance bureaucracy, waiting weeks for appointments, and paying copays every time they need medical advice, the answer is yes.
Frequently Asked Questions About What Direct Primary Care Covers
What does Direct Primary Care cover?
Direct Primary Care covers unlimited office visits, telehealth consultations, preventive screenings, chronic disease management, minor procedures, care coordination, and, depending on your membership tier, advanced imaging like CT and MRI scans. DPC does not cover hospitalizations, emergency care, specialty visits outside the practice, or dental and vision care.
Is Direct Primary Care the same as health insurance?
No. Direct Primary Care is not health insurance. DPC is a membership-based primary care model where you pay a monthly fee for comprehensive access to your physician and primary care services. You typically pair DPC with a high-deductible health plan or catastrophic insurance to cover hospitalizations, emergency care, and specialist services.
Does DPC cover lab work and imaging?
Lab work and imaging coverage depends on your membership tier. Basic point-of-care testing is included in all tiers. At Craft Concierge, Vitality ($175/mo) and Longevity ($500/mo) memberships include CT and MRI imaging. Core membership ($99/mo) provides lab work and advanced imaging at wholesale pricing, significantly lower than standard rates.
Can I use my insurance with Direct Primary Care?
Yes. Most DPC patients maintain health insurance for major medical events like hospitalizations, emergency care, and specialist visits. Your DPC membership handles all primary care needs, while insurance covers catastrophic events. This combination often costs less than traditional comprehensive insurance while providing better primary care access.
What’s not covered by Direct Primary Care?
DPC does not cover hospitalizations, emergency room visits, specialist care outside the practice, prescription medications (though you get wholesale pricing access), durable medical equipment, dental care, or vision care. Your DPC physician coordinates and refers for these services, but they’re paid separately through insurance or out-of-pocket.
Does Direct Primary Care cover my entire family?
Each family member needs their own DPC membership. However, practices like Craft Concierge offer family pricing with reduced rates for children under 18, making comprehensive family coverage more affordable than paying full adult rates for each person.
How much does Direct Primary Care cost per month?
DPC membership costs vary by practice and coverage tier. At Craft Concierge, memberships range from $99/month (Core tier) to $500/month (Longevity tier), with Vitality at $175/month as the middle option. Higher tiers include more services like advanced imaging and comprehensive preventive screenings.
Can I use HSA or FSA funds for Direct Primary Care?
Currently, IRS regulations don’t allow HSA funds to pay for DPC memberships if you have a high-deductible health plan. However, you can potentially use FSA funds in some cases. Craft Concierge can provide documentation to discuss with your benefits administrator regarding your specific situation.
Experience Comprehensive DPC Coverage at Craft Concierge
The best way to understand what DPC covers is to experience it directly. At Craft Concierge, we offer meet-and-greet appointments where you can discuss your specific healthcare needs, review exactly what your membership tier would include, and get transparent answers about costs before making any commitment.
Our Tulsa and Tampa locations provide access to in-house imaging, advanced cardiac screening with Cleerly technology (Tulsa), and comprehensive primary care services that eliminate the frustration of traditional insurance-based medicine. Whether you’re managing chronic conditions, focusing on prevention, or simply want reliable access to a physician who actually has time for you, we’ll help you understand exactly what’s covered and what isn’t.
You deserve to know what you’re paying for in healthcare. DPC coverage is transparent, predictable, and designed around your needs rather than insurance company profit margins.
Ready to learn what’s covered in your DPC membership? Schedule a meet-and-greet with Craft Concierge to discuss your healthcare needs and get a clear breakdown of coverage for your situation. Call our Tulsa office at (918) 203-6800 or Tampa location at (813) 981-7807, or visit craftconcierge.com to explore membership options.
