Concierge Medicine vs Direct Primary Care

There are 2 emerging trends in the US around primary care services: (1) concierge medicine and (2) direct primary care (DPC).

Current problems in primary care:

These two similar but uniquely different models of healthcare are trying to solve some common problems in our primary care system. Patients are seeking personalized healthcare with a physician that they know, like, and trust. Also, they would like to have access to that physician when they need it. 

Unfortunately, It is difficult to get a timely appointment in most primary care offices. On average it takes 26 days to get an appointment to see a doctor. This is due to a combination of a physician shortage and the need for physicians to see more patients (in short appointment slots) due to the decreasing payments from insurance. It is typically difficult to speak directly with your doctor outside of office visits due the large number of patients that they see on a daily basis. This leads to hurried doctor visits after long waits in the clinic and then being limited to 1-2 concerns during the visit so the doctor can rush to the next patient. 

Concierge medicine and DPC seek to solve these problems:

Direct primary care and concierge medicine both work to provide a higher level of service to their patients by having increased access and longer office visits. To make this model of personalized healthcare work they seek payment outside of the insurance system. 

In the concierge model, patients pay a membership fee to be part of the practice AND the practice also bills the patient’s insurance. Typically they commit to at least a year long membership. 

Direct primary care (DPC) does not accept insurance for office visits and instead has a low monthly membership fee that allows direct access to their physician through in person or video visits, text, email, or phone calls. 

DPC vs Concierge Medicine

Direct Primary CareConcierge Medicine
# of patients500-700150-600
Membership costs*$77$183
CommitmentMonth to monthAnnual
Bills insuranceNoYes
May use insurance for labs, medications, and imagingYesYes
*Average US costs

In addition, DPC practices typically offer discount pricing on labs, medications, and imaging. 

For example, at Blue Ocean Family Medicine, medications can be dispensed from the office at a low cost, often less than what you can pay at the pharmacy with insurance. Recently, we dispensed 90 days of a blood pressure medication for $0.20. Also, we contract directly with labcorp to get low cost labs and work with imaging centers to get the lowest available pricing. 

If you live in Hendersonville, or the Nashville area, then please schedule a free no-obligation visit to learn more about how DPC works at Blue Ocean Family Medicine. 

If you are interested in finding a DPC practice near you then check out https://mapper.dpcfrontier.com/

To find a concierge family medicine practice search findmydirectdoctor.com/cm/cfm

Dr Lofley is a primary care doctor in Hendersonville TN practicing at Blue Ocean Family Medicine. We have been featured in several interviews and articles.

Primary Care Doctor

Medicine Through Membership

We are very grateful to be featured in Hendersonville Lifestyle as an affordable option for healthcare. Thank you Rick Murray for the great article featured in the January 2023 edition. You can read the article here.


A Different Approach to Medical Care

Watch this interview with Renee Tuninetti to learn about Blue Ocean Family Medicine and direct primary care.


Revolutionizing Family Healthcare: Why Direct Primary Care is the Best Solution

A discussion with Daniel Adams about why direct primary care is a great solution for growing families. Watch the video here.


Become a patient at Blue Ocean Family Medicine

How to Get Best-in-class Employee Health Benefits for Small and Mid-sized Businesses

We love to partner with businesses to give incredible employee health benefits! Businesses can sign up directly with Blue Ocean Family Medicine and provide membership to our direct primary care clinic for their employees and their families. This provides an excellent alternative to expensive health insurance plans.

Listen to Dr Lofley explain how employee memberships can help your business


$65/month per individual employee

$260/month per employee family of 4 or more

Cancel anytime. No minimum time commitment.


Affordable Employee Health Benefits

Membership to Blue Ocean Family Medicine costs 20-30% of the average cost of group insurance plans. This provides unbeatable value, since a membership provides access directly to Dr. Lofley, who, as a board certified family physician, can meet 80-90% of typical healthcare needs.

In addition to affordable membership pricing we offer at-cost labs, procedures, and medications to further save you and your employees money. Most of our enrolled employers pay the membership fee for their employees and their employees pay for any services, procedures or medications they procure. (see transparent pricing here).

Employee Retention

Offering a membership to Blue Ocean Family Medicine can significantly boost employee retention and hiring appeal. Providing major medical insurance for your employees can be an unsustainable expense, and we are pleased to offer a model that is a vigorous alternative. Especially to help keep employees healthy and get them back to work quickly after an illness or injury.

Ultimate Access to a Doctor

  • same day / next day sick visits
  • video visits
  • text Dr Lofley directly

We would love the opportunity to provide great healthcare to your employees. Schedule a no obligation question and answer session with Dr Lofley to learn more.

OR call the clinic to enroll today: 615-266-6465

New Family Medicine Clinic in Hendersonville, TN

How we got our name…

Blue Ocean Family Medicine was named after our first trip to Tennessee. Tara (my wife and now practice manager) and I had just put an offer on a house in Hendersonville that had been accepted. It was official we would be moving and opening a new family medicine clinic in Hendersonville. 

On a return flight to Idaho, we were discussing the business plans of opening a direct primary care practice and knew that one of the first steps was to choose a name. Tara was working on her homework for her MBA and was reading about blue ocean business strategies. 

A Blue Ocean Strategy

She described to me that a blue ocean strategy is choosing to create a business that is not in existence today or in an unknown market space. By creating something new you are in a market with no competition allowing for unlimited potential and growth. This type of strategy creates new demand for a product or service instead of being in direct competition with other businesses. 

This is opposed to a red ocean, or the market and businesses that are already in existence. It is called a red ocean because the competition is cut-throat leaving the ocean a bloody red. There are too many competing businesses looking for the same consumers. 

We decided that we wanted to open a family medicine clinic in Hendersonville using a blue ocean strategy…

and create a business that is truly unique and would allow us to really help people become and stay healthy. To do that we decided to open a direct primary care practice. By removing insurance middlemen, the physician-patient relationship is restored. Patients pay a membership fee directly to the practice and in return have direct access to Dr Lofley. Patients can now have TIME with their physician (30 and 60 min visits are standard) and easy ACCESS (in-person visits, video visits, call, text, or email and have same-day to next day access). In office dispensing of generic medications and at-cost labs provide additional savings to patients. This is our blue ocean strategy for primary care.

 Blue Ocean Family Medicine was born

family medicine clinic in hendersonville

We now had the beginnings of a name for our practice. After several renditions we settled on Blue Ocean Family Medicine. We then held a design competition through 99designs.com where we outlined what we were looking for in a logo. After selecting our favorite designs we were able to further refine what we liked until we developed our current logo with a wave and a cross. 

Even better than the blue ocean strategy is the imagery surrounding a blue ocean.  When I close my eyes and think about a blue ocean I can hear the waves crashing on the beach, sense the sand between my toes, and feel the sun kiss my skin.

The environment is so healing

When you step into Blue Ocean Family Medicine we want you to feel a healing environment. There are beautiful photographs of the ocean adorning the walls (keep taking those beautiful photos Levon – saltycures.com). 

We have a Sisyphus Table in the waiting room that rolls a ball thru sand, all the time developing and erasing stunning patterns. Watching the Sisyphus is very calming. 

If you haven’t been to Blue Ocean Family Medicine, come and see us. We would love to meet you.  Just schedule a free appointment to come and learn what we do and experience the calmness of the blue ocean. I can’t wait to meet you.

6 ways to save money on medications

The cost of health insurance keeps increasing. Higher premiums. Increased co-pays. More out of pocket expenses. With all of these changes in healthcare, this typically means more out of pocket expenses — including the cost of medications.

I am always looking for ways to help patients save money on their medications. Here are 6 ways to help lower the cost of prescriptions.

1. Ask for generics.

Generic medications are made available after patents on medications have expired. These medications are made by a different company than the original manufacturer of the medication but are the same chemical compound. Using generics can help you save a lot of money, and they work well. Don’t be afraid to ask for generics at your next visit.

2. Price compare.

Medication cost can vary greatly depending on the pharmacy you use. I have seen the cost of a medication vary greatly. Today I found a medication that cost $212 at one pharmacy cost only $54 at another pharmacy. Also, just because your blood pressure medication is cheaper at one pharmacy doesn’t mean that they will have the best deal on your thyroid medication. I like to use the website GoodRX.com to do price comparison. In addition to finding the best price you can get prescription coupons. Which brings me to #3.

3. Use prescription coupons.

GoodRX.com has discount coupons for medications. You do need to know the specific name, strength, and quantity to get the correct coupon. This can be a huge savings. It isn’t uncommon to see a 70-80% savings. If you really want to save money then combine price comparison and use the coupon at the pharmacy that has the lowest price.

4. Get it through mail order.

As a way to save money, many insurance companies are encouraging their members to use mail order pharmacies. This saves the company money as they are working with a single pharmacy and they can contract for better rates due to a larger buying power. Some insurance plans will let you have a $0 copay for mail order pharmacies or a substantial discount. Check with your insurance company to see if they work with a mail order pharmacy.

5. Get a 90 day supply.

Most pharmacies will give you a discount by getting your medications for 90 days at a time. Although this may not be a huge savings it can really add up over a year. For example, if you take 3 blood pressure medications (generic cost is $4 per month per script) you could get a three month supply for $9 — a savings of 1 dollar per month. At 3 scripts a month for a year at regular price it would be $144 for the medications for a year. At a 90 day supply cost for 1 year it would cost $108 for a savings of $36 dollars per year.

6. Join a direct primary care clinic.

Find a direct primary care clinic that dispenses medications, like we do at Blue Ocean Family Medicine. If you aren’t in TN you can look for one here mapper.dpcfrontier.com. This can be a huge cost savings. Look at the savings available for just 1 medication.

67% percent cost savings compared to GoodRx, and 93% savings compared to retail.

Getting the medication as a member of our clinic is a savings of 93% over retail and 67% less than GoodRx. If you would like to join us at Blue Ocean Family Medicine then register here.

If you have any helpful suggestions for saving money on medications leave a comment.

Schedule a FREE 15 minute appointment with Dr. Lofley to answer your questions about direct primary care and OMT.

Choose from an in-person visit, video visit or phone call

*This is a non-medical appointment for non-members

New Patient

Blue Ocean Family Medicine is designed to offer peace of mind for your growing family through a modern, affordable approach to primary healthcare. We provide complete, compassionate healthcare for all ages through chronic, preventive, accident, and sick care.

A monthly membership provides direct access to Dr. Lofley. Members can text, call, or email him at any time. Telehealth and in-office consultations are conveniently available.

By eliminating the hassle of insurance, we provide substantial cost savings.

$105/mo. per person

maximum of $300/mo. per family

Health Savings Accounts Accepted. Cancel anytime.

How are we different?Insurance Based Family Medicine Blue Ocean Family Medicine
Number of Patients2300700
Cost of annual labs$55$33.06
Cost of Z-Pak (TM)$31.74$2.62
Wart Cryotherapy$150$5
Total yearly base cost$5,472$1,260
# of minutes with provider15 mins30-60 mins
Access to your providerMake appt or call the nurseDirectly with Dr. Lofley

Average prices are from 08/22

Watch this short video to learn how Blue Ocean Family Medicine works as a direct primary care clinic.


See a comprehensive list of our services and prices here


Patient Reviews


Ready to become a patient?

  1. Choose an appointment time for your new patient visit and reserve your appointment.
  2. Complete the patient registration form for each member of the family.
  3. Enter your payment information for your monthly membership fee.
  4. Our office will review your information and complete the registration process. Initial fees will include the monthly membership fee of $105 / member ($300 / family). Nothing is charged until your first consultation. Cancel anytime.
Schedule Now

Still have questions?

Schedule a FREE 15 minute visit with Dr Lofley.
Discover how direct primary care can work for you.

Text or call our office with questions: (615) 266-6465


Pediatrics in Sumner County, Dr Lofley is an Excellent Choice

Selecting the right doctor for your child’s pediatric care is an important decision. Fortunately, Blue Ocean Family Medicine is a standout option for pediatrics in Sumner County, TN. Family Medicine Physicians are gaining recognition for their comprehensive expertise in pediatric care. In this blog post, we’ll explore the qualifications of Blue Ocean Family Medicine to care for infants and children.

Why Choose a Family Physician for Pediatrics in Sumner County, TN?

  1. Comprehensive Training:
    Family Medicine Physicians have extensive training, covering a wide range of specialties including pediatrics, which ensures that they are well-prepared to care for infants and children. Families love the simplicity of having a compassionate physician that knows how to take good care of every member of the family.
  2. Focus on Preventive Care:
    At Blue Ocean Family Medicine, a strong emphasis is placed on preventive care and wellness. We particularly value this proactive and beneficial approach for pediatric patients, ensuring early detection and intervention for your child’s optimal growth and development.
  3. Continuity of Care:
    Situated in Sumner County, Blue Ocean Family Medicine provides continuity of care for the entire family. This localized approach allows practitioners to understand the specific needs of the community, including family dynamics, genetic factors, and environmental influences that are affecting pediatric patients.
  4. Holistic Approach with a Community Perspective:
    Blue Ocean Family Medicine takes a holistic approach to healthcare. As a Doctor of Osteopathic Medicine, Dr Lofley spends time addressing the mind, body, and spirit through therapies such as Osteopathic Manipulative Treatment.

The decision to choose a primary care provider is personal, and with Blue Ocean Family Medicine, families in Sumner County can benefit from a low-cost alternative to insurance based care, that comes with same to next day availability, and direct access to Dr. Lofley via text, email, video, phone or in our medical office next to Ellis Middle School.

If you are looking for Pediatrics in Sumner County, TN — Please schedule a free meet and greet consultation to see if Blue Ocean Family Medicine is a good fit for your family.


Related blog post: https://www.webmd.com/parenting/baby/pediatrician-or-family-doctor