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GP Membership vs Pay As You Go

GP Membership vs Pay As You Go

The arithmetic, including the part that argues against buying a membership.

£40 · 20 minutes

Same-day availability

6am to 10pm, seven days

Prices checked against the source, with the date shown

We say plainly where the other option is stronger

Verifiable facts only — no logos, no adjectives

Clinically reviewed by a GMC-registered GP

Clinically reviewed by Dr Mohammad Khan · Last reviewed

August 29, 2026

Book a consultation

A 20-minute appointment with a GMC-registered GP for £40. Same-day appointments are usually available, 6am to 10pm, seven days a week.

Private GP care led personally by Dr Mohammad Zubair Khan, GMC 7563469.

Why patients choose Cheshire Clinics

GMC registered doctors badge - every Cheshire Clinics consultation is with a General Medical Council registered GP

GMC-registered

Care led personally by Dr Khan

Royal College of General Practitioners badge - RCGP trained private GP consultations at Cheshire Clinics

RCGP-trained

Attentive, unhurried care that listens properly

Google five star reviews badge - Cheshire Clinics private GP online

Highly rated by patients

Five-star Google reviews from the people we have looked after

Care Quality Commission registered badge - Cheshire Clinics online GP service is registered with the CQC, England's independent regulator of health and social care

CQC-registered

Registered with the Care Quality Commission

Same-Day Appointments
Sick Notes
Private Prescriptions
Blood Tests
Menopause & HRT
Weight Management
Mental Health
Specialist Referrals
Same-Day Appointments
Sick Notes
Private Prescriptions
Blood Tests
Menopause & HRT
Weight Management
Mental Health
Specialist Referrals

Overview

Both are ours, so we have no reason to push you towards either. What follows is the arithmetic.

Individual membership costs £180 a year paid monthly, or £150 paid annually. A consultation is £40. Membership therefore starts paying for itself at roughly four consultations a year.

At a glance

  • Cost — pay as you go £40 each time; membership from £15 a month with unlimited consultations
  • Break-even — about four consultations a year
  • Commitment — none either way; no minimum term on membership
  • Repeat prescriptions — need a consultation on pay as you go; included without one on membership
  • Follow-up messaging — brief follow-up included on both
  • Priority booking — members only
  • Medical letters — £40 each on pay as you go; four a year included on membership
  • Family cover — membership only, £30 a month for two adults and up to four children

Price check

Membership from £15 a month

Pay as you go £40 per consultation

View the source

Where Cheshire Clinics is stronger

Membership makes sense for people whose use is predictable and regular:

Families. The clearest case by a distance. Children get ill often and briefly, and the family tier covers two adults and up to four children for £30 a month — the same as two individual memberships, so the children are effectively free. Cover runs to 18, or to 25 in full-time education, anywhere in England or Wales.

Long-term conditions. Regular review, repeat prescriptions without booking, and no hesitation about asking a question.

Starting HRT or another treatment needing titration. The first year commonly means several reviews.

Anyone who has put off asking a doctor because of the cost. Removing the charge at the point of use is the whole point.

Where they are stronger

Pay as you go is cheaper for most people. If you see a doctor once or twice a year, membership costs you more and you should not buy it.

No commitment at all. Nothing to cancel, nothing to remember, no recurring payment.

Better for a single specific need. A letter, a test interpretation, a second opinion. One transaction, done.

Better for trying us out. There is no reason to commit before you know whether the service suits you.

Identical clinical care. Membership buys access and convenience, not better medicine. The consultation is the same twenty minutes with the same doctor either way.

Still deciding?

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Who each suits best

Stay pay as you go if

  • You are generally well and see a doctor once or twice a year
  • You want one specific thing
  • You would rather try the service first
  • Your NHS practice mostly meets your needs

Membership is worth it if

  • You have children — the family tier is the strongest case
  • You manage a long-term condition
  • You take medication needing regular review
  • You expect four or more consultations a year

You can join at any point, including immediately after a consultation, and cancel whenever you like.

How to decide

The arithmetic first

Membership is £180 a year paid monthly, or £150 paid annually. A consultation is £40.

Paid annually, membership costs less than four consultations. Paid monthly, less than five. Below that, pay as you go is cheaper. Above it, membership is.

That is the whole calculation, and we would rather show it than dress it up.

Pay as you go suits you if

  • You are generally well and expect to need a doctor once or twice a year
  • You want to try the service before committing to anything
  • Your need is a one-off — a letter, a second opinion, a single problem
  • You would rather not have another monthly payment, which is a perfectly reasonable position

Membership suits you if

  • You have children. This is the clearest case by a distance. Family cover is £30 a month for two adults and up to four children — the same as two individual memberships, so the children are effectively free. Children get ill often and briefly, which is exactly the pattern membership is built for
  • You have a long-term condition needing regular review — thyroid, blood pressure, menopause, diabetes. Repeat prescriptions are included without needing to book a consultation at all
  • You are titrating a medication and need several reviews over the first year
  • You need letters. Four a year are included, against £40 each on pay as you go
  • You want the cost predictable rather than deciding each time whether a problem is worth £40 — which is the real benefit, because it stops people putting things off

What we would say

If you are a single adult in good health, start pay as you go. There is no advantage to committing before you know how much you will use it, and you can join at any point — including straight after a consultation.

If you have a family, the arithmetic favours membership almost immediately.

Both are ours, so we have no reason to steer you either way.

Common questions

How many consultations before membership pays for itself?

Four a year if you pay annually at £150, five if you pay monthly at £180.

Below that, pay as you go is cheaper — though letters and repeat prescriptions shift the sum in membership's favour if you need those too.

Does membership mean unlimited appointments?

Yes — consultations are unlimited.

That is what removes the hesitation about whether something is worth £40, which for most members turns out to matter more than the money.

Can I add my family?

Yes. Family cover is £30 a month for two adults and up to four children — the same as two individual memberships, so the children cost nothing extra.

Cover runs to age 18, or 25 in full-time education, anywhere in England or Wales — which is useful once they leave home.

Which should I start with?

A single adult in good health should start pay as you go. Switch when you find yourself booking a fourth appointment.

A family should probably start with membership.

Is the care different?

No. Same doctors, same twenty minutes, same standard.

Membership buys access and convenience, not better medicine.

Do I still need an appointment for a repeat prescription?

Not on membership — repeats are included without booking one.

On pay as you go a consultation is needed, which is often the deciding factor for anyone on regular medication.

Is annual payment worth it over monthly?

It saves £30 a year. Whether that is worth paying up front is a cashflow question rather than a clinical one.

What if I hardly use it?

Then it was the wrong choice, and you should switch back. There is no minimum term.

We would rather you paid us less and stayed than paid for something you are not using.

Does it cover blood tests or medication?

No. Laboratory fees are set by the laboratory and medication is paid at your own pharmacy — true on either option.

We take no margin on either, so membership cannot subsidise them.

Can I cancel?

Yes, whenever you like. There is no minimum term and nothing to negotiate.

A service that has to lock people in is telling you something.

Dr Mohammad Zubair Khan, GMC-registered private GP and founder of Cheshire Clinics

Clinically reviewed by Dr Mohammad Zubair Khan, GMC 7563469

Last reviewed

August 29, 2026

How it works

What happens when you book

£40 for a 20-minute appointment with a GMC-registered GP, 6am to 10pm, seven days a week. Membership is optional and never required.
Cheshire Clinics online GP appointment booking confirmation on mobile
01

Book your appointment

Pick a time that suits you — 6am to 10pm, seven days a week, including weekends and bank holidays. £40 for 20 minutes, self-pay, with no insurance to arrange.
5–10 minutes
Online video consultation with a GMC-registered private GP
02

Meet your GP

A 20-minute video or phone consultation with a GMC-registered GP — long enough for a proper conversation about your symptoms, your history and what matters to you.
20 minutes
Diagnostic testing plan including blood test panel, ECG and urine screening
03

Tests and referrals, if you need them

Where testing will actually answer the question, we arrange it — blood tests and health screening through our laboratory partner, or a referral for ultrasound, X-ray, CT or MRI through private imaging providers. We will also tell you when a scan is not the right next step.
1–7 days
Personalised results and treatment plan from a private GP consultation
04

Results and next steps

Your GP talks you through what the results mean and agrees the next step with you. Every consultation ends with your treatment plan in writing, and any prescription goes to your own pharmacy.
20 minutes
GP follow-up reminder for ongoing care and progress monitoring
05

Ongoing care and follow-up

Follow-up appointments, progress monitoring and ongoing advice — including saying plainly when something needs in-person or NHS care instead.

Ongoing

Questions about our service

How quickly can I be seen?

Same-day access is usually available, from 6am to 10pm, seven days a week. You choose a time that suits you rather than waiting on hold at 8am.

Will I see the same doctor each time?

Yes. Care is led personally by Dr Mohammad Khan, so you are not passed between clinicians. Continuity is the point of a small practice: someone who knows your history and is listening attentively rather than working through a checklist.

Can you see my NHS records?

Yes, with your consent. We can access your Summary Care Record during the consultation, so your current medications, allergies and significant history are in the room. That means fewer questions you have already answered elsewhere, and safer prescribing.

Are you trying to replace my NHS GP?

No. We are not here to replace GPs, only to support them. Your NHS practice remains responsible for your ongoing care, and with your consent we write to them after the consultation. We are useful when you need to be seen sooner, or want more time than a standard appointment allows.

What is included in the appointment?

Twenty unhurried minutes and a comprehensive assessment. A written treatment plan is included, along with any prescription, sick note or referral letter arising from the consultation, at no extra charge.

How much does it cost?

£40 for 20 minutes, self-pay. Membership is optional and never required. Priced for fairness, because we are not here to charge extortionate amounts for access to a doctor.

What does “treatable online” actually mean?

It means the diagnosis can usually be made from your history and photographs, and that treatment can be arranged safely without examining you. Where a condition is not marked treatable online, it is because examination is the diagnosis — listening to a chest, feeling an abdomen, examining an ear or a joint — or because a procedure or device is needed.

Can you prescribe antibiotics?

Yes, where there is a genuine bacterial infection — cellulitis, impetigo, bacterial urine infections, confirmed strep throat. We will also frequently tell you that you do not need one. Most sore throats, coughs, colds and earaches are viral, and an antibiotic gives you the side effects with none of the benefit.

What if the GP cannot help with what I need?

If your problem turns out to be genuinely outside what we can do remotely, the doctor will tell you straight away, point you to the right service, and refund your fee in full. We would rather do that than fill twenty minutes to justify the charge.

What should I do in an emergency?

Call 999 or go to A&E — do not book an online appointment and do not wait for a reply to an email. For urgent problems that are not emergencies, NHS 111 is available 24 hours a day, online or by phone, and can direct you to the right service.

Patient reviews

What our patients say

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