My brother and I started a &quot;member&#x2F;concierge&quot; primary care network for uninsured&#x2F;under-insured patients.  Members pay $20&#x2F;month (individuals) or $15&#x2F;month (business plans) and the patients can set appointments to see an ARNP&#x2F;PA for $10 copay or the MD for $25 copay.  Most primary practices can&#x27;t take this issue into consideration because your copay is set by your insurance policy.