He charges $80/month. In the most common year, I only have my annual physical, and that's covered by insurance. That translates to $0 out of pocket. Other years

He charges $80/month. In the most common year, I only have my annual physical, and that's covered by insurance. That translates to $0 out of pocket. Other years I have visits for other reasons. With the deductible and copay, it's more than $100 for any visit. I'd need 7-8 visits a year to reach $80/month out of pocket. On the other hand, not having to make appointments weeks in advance, and even being able to send a text message to save a visit has some value. I don't think that would be possible with my insurance (the doctor wouldn't get compensated).