CONCIERGE MEDICINE     MEMBERSHIP PRICING      EXPLAINED      TAX BENEFITS

Concierge Membership + Supplemental Insurance:
A Smarter Way to Beat Rising Healthcare Costs

With California ACA premiums set to rise an average of 10.3% in January 2026—and expiring federal subsidies potentially increasing effective costs by up to 97% for many enrollees—traditional insurance is becoming unaffordable for individuals, couples, and families. At Temecula Medical Group (TMG), our Concierge Medicine (Direct Primary Care) membership pairs perfectly with affordable supplemental insurance to provide unlimited primary care, 24/7 access, no copays, and direct cash benefits for hospitals/accidents—all at significant savings compared to plans like Anthem Blue Cross HMO.

This approach isn't just cheaper; it's better. You get personalized preventive care to stay healthy, plus protection for unexpected events without high deductibles or network restrictions. Savings can reach $4,320 annually, and starting in 2026, membership fees are HSA-eligible (up to $150/month individual or $300/family), adding tax advantages. Explore the scenarios below based on real community profiles—click the images to download printable flyers for details.

Why This Combination Works: The Opportunity Explained

Rising premiums and shrinking benefits leave gaps in coverage, leading to surprise bills and delayed care. TMG's model fixes this by:

• Covering everyday primary needs (unlimited visits, labs at 85% off, chronic management) for a flat fee.
• Adding supplementals like HospitalWise and AccidentWise for cash payouts (e.g., $10,000/hospital stay) that you can use freely—no claims hassles.
• Delivering real savings: Lower monthly costs, zero primary copays, and tax deductibility (deduct as medical expenses now; HSA-compatible in 2026—see our Tax Benefits page).
• Providing peace of mind: Same-day appointments mean faster recovery; cash benefits turn expenses into income during crises.

The examples below use 2026 projections for a local resident.
Your savings may vary—contact us for a free personalized quote.

Single Male (Age 40 | $65,000 Annual Income)
Switch to TMG + Supplementals and save $231/month ($2,772/year) with superior access and no primary deductibles.

Couple (Ages 55 & 54 | $80,000 Annual Income)
Save $235/month ($2,820/year) with enhanced preventive care for mid-life health.

Family of Four (Ages 40, 42, 15 & 12 | $120,000 Annual Income)
Save $360/month ($4,320/year) for active families.

Frequently Asked Questions

• How do taxes play in? Fees are deductible now; HSA-eligible in 2026 for extra savings.
• Can I use my own agent? Yes, but we recommend Victor for seamless integration.
• What if my situation differs? These are examples—get a custom quote.

Ready to Save?

Schedule a free consultation with TMG

Contact Victor Ortega (CA License #4424316)
619-754-5021 | vortega@HealthMarkets.com | HealthMarkets.com/vortega -  for quotes.

FREE CONSULTATION        CALL US: 951-302-2526        SIGN-UP NOW

Disclaimer

Figures above are illustrative examples; consult professionals. Not health insurance.

Supplemental insurance: provides extra coverage to help pay for out-of-pocket costs (deductibles, copays) or services your primary plan doesn't cover, like dental, vision, accident, or critical illness, often paying cash directly to you for flexibility. It fills gaps in major medical coverage, offering financial security for everyday expenses, lost wages, or specific health issues. 

• Out-of-Pocket Costs: Deductibles, copayments, and coinsurance.
• Specific Services: Dental, vision, hospital stays, or long-term care.
• Condition-Specific: Cancer, critical illness, or stroke.
• Cash Benefits: Can pay you directly for groceries, rent, transportation, or lost income. 

• Accident Insurance: Helps with costs from accidents.
• Critical Illness Insurance: Pays for major illnesses like cancer, heart attack, or stroke.
• Disability Insurance: Replaces lost income if you can't work.
• Hospital Indemnity: Pays a fixed amount per hospital stay.
• Dental & Vision: Covers routine eye and dental care. 

• It doesn't replace your primary insurance but supplements it.
• It often pays benefits directly to you as a cash payment, which you can use as needed. 
  

Additionally:

The information provided on this page is for educational and informational purposes only and is not intended as financial, legal, or medical advice. Temecula Medical Group (TMG) is not affiliated with any insurance companies, supplemental insurance programs, or entities mentioned herein, including but not limited to Anthem Blue Cross, HospitalWise, AccidentWise, or HealthMarkets. We do not receive any financial compensation, commissions, kickbacks, or other benefits from your enrollment in any insurance or supplemental plans. In compliance with applicable laws, including the Stark Law and Anti-Kickback Statute, we maintain strict separation and receive no incentives for referrals or recommendations.

Victor Ortega is an independent licensed insurance agent (CA License #4424316) with whom we have developed a professional relationship based on trust and shared commitment to patient well-being. He is not employed by or affiliated with TMG, and we do not endorse or promote any specific products through him. You are encouraged to consult with any insurance agent of your choice, including your own trusted advisor, to explore options tailored to your individual needs. Always seek personalized advice from qualified professionals before making healthcare or insurance decisions. Savings and benefits illustrated are estimates based on hypothetical scenarios and may vary.