Fountain Life sits at the top of the direct-pay longevity market on price. It is a concierge program built around full-body imaging, a deep biomarker panel, and in-person clinician time at a physical site. The advertised entry price is roughly $19,500 per year. The number you actually spend in year one is higher, because travel and add-on screens are quoted separately.
This page breaks the cost into line items, separates what the membership covers from what it does not, and prices the same scope against three alternatives. For where that entry price sits against the rest of the category, see what longevity clinics charge across the market.
The Verdict
Public litigation
Fountain Life Holdings faces an open New York suit filed by a physician (July 2023) alleging fraud and deceptive practices over a clinic arrangement. These are allegations, not findings — Westfair Online.
Fountain Life APEX cost — line by line
The membership fee is a single annual number. Everything below it is either bundled inside that fee or quoted separately at the time it is ordered. The distinction matters because the separately-quoted items are the ones that move a $19,500 decision into the high twenties.
| Line item | Cost |
|---|---|
| APEX membership (flagship annual) | $19,500+ / year |
| Included assessment | Full-body MRI, coronary CT, 200+ biomarker panel, DEXA, in-person clinician days |
| Location travel (Naples, Dallas, and other sites) | Not included — plan $1,500+ round trip |
| Advanced add-ons (Galleri cancer screening, expanded genomics) | $500–$2,000 each |
| Peptide / hormone therapies (if prescribed) | Priced separately, ~$150–$400/mo per protocol |
| Supplements (if prescribed) | Billed at cost, variable |
| Follow-up imaging or biopsy after an incidental finding | Billed at an outside facility, often through insurance |
| Realistic year-one total | $22,000–$30,000+ |
| Year-two renewal (membership + one travel trip, no new add-ons) | ~$21,000–$24,000 |
Year one versus year two
Year one carries every one-time cost: baseline genomics, the first full imaging series, and whatever add-on screens you elect at intake. Year two drops the one-time genomics work and typically repeats the imaging and biomarker series at the same membership rate.
The practical result is that year two lands near $21,000–$24,000 for most members — membership plus one travel trip. It goes higher if a year-one finding put you on a repeat-imaging schedule, and it goes higher again if a prescribed hormone or peptide protocol is running, since medication is billed at its own cost every month regardless of membership year.
What the membership price includes, specifically
- Full-body MRI. Screening for structural findings across the torso, and at most sites the head, neck, and spine as well.
- Coronary CT. Calcium scoring and, at some locations, CT angiography for plaque characterization.
- A 200+ biomarker panel. The broadest base panel of any platform covered on this site.
- DEXA body composition. Lean mass, fat mass, and bone density.
- In-person clinician days. Physical exam and unhurried physician time at a Fountain Life site, not a telehealth call.
- Care-team access between annual visits. A point of contact for questions and protocol adjustment through the year.
What the price does not include
- Travel. Assessments happen in person at specific locations. Flights, hotel, and time off are yours.
- Advanced add-on screens. Galleri multi-cancer detection and expanded genomics are quoted at $500–$2,000 each.
- Prescribed medication. Hormone therapy, peptides, and GLP-1 medications are billed at their own cost, typically $150–$400 per month per protocol.
- Prescribed supplements. Billed at cost and not capped by the membership.
- Downstream workup. If the MRI flags something, the follow-up ultrasound, repeat MRI, or biopsy happens at an outside facility on its own bill.
How the price compares at similar scope
Listed alphabetically by platform: Function Health, Opt Health, and Prenuvo. The relevant comparison is not entry price — it is what scope each price buys, because these products do not overlap cleanly.
| Platform | Entry price | Realistic year one | Scope at that price |
|---|---|---|---|
| Fountain Life APEX | $19,500+/yr | $22,000–$30,000+ | Full-body MRI, coronary CT, 200+ biomarkers, in-person physician days |
| Function Health | $499/yr | $750–$1,200 | 100+ biomarkers, 2 draws/year, no imaging, no prescribing |
| Opt Health | ~$3,000/yr | $3,000–$6,000+ | 55+ biomarkers, physician consults, 3–4 month reassessment, prescription pathway |
| Prenuvo (imaging only) | $999–$2,499 per scan | $2,499–$3,000+ | Whole-body MRI and radiologist report, no ongoing care |
Two things fall out of that table. First, if imaging is the reason you are looking at Fountain Life, imaging can be bought on its own for roughly a tenth of the membership. Second, if ongoing physician-led optimization is the reason, that can be bought on its own for roughly a sixth. Fountain Life's premium is for getting both, in person, from one coordinated team, on one site visit.
Insurance, HSA, and FSA
No US insurer covers the Fountain Life membership. There is no in-network path and no superbill that produces reimbursement for the annual fee.
HSA and FSA treatment is more nuanced. Qualifying medical expenses inside the program — imaging, lab work, and physician services — are generally eligible. Membership and concierge fees are treated inconsistently across plan administrators, and some require the fee to be itemized before any portion qualifies. Ask Fountain Life for an itemized receipt separating medical services from membership, then confirm eligibility with your plan administrator before you assume any of it is pre-tax.
One exception worth knowing: if a scan finding leads to a diagnostic workup, that downstream care is ordinary medical care and is billed to insurance normally. The screening is cash-pay; what the screening finds usually is not.
Who the price fits
The membership makes budget sense for people who want the deepest available screening in a single coordinated package, value in-person physician time over telehealth, and can absorb a five-figure recurring cost without it displacing other spending. If you are comparing platforms primarily on price, the arithmetic will not land here — and that is a scope difference, not a quality judgment.
Frequently Asked Questions
How much does Fountain Life cost per year?
The APEX membership starts around $19,500/year and covers the flagship assessment — imaging, biomarkers, and in-person clinician days. Realistic all-in year-one cost with travel and one or two add-ons runs $22,000–$30,000+.
What does Fountain Life include for the price?
A full-body MRI, a coronary CT, a 200+ biomarker panel, DEXA and other body-composition scans, in-person clinician visits at a Fountain Life site, and ongoing care-team access between annual visits.
What does the membership price not include?
Travel to a Fountain Life location, advanced add-on screens such as Galleri or expanded genomics, any prescribed medication or peptide protocol, prescribed supplements, and any follow-up imaging or biopsy triggered by a finding on the scan.
What does Fountain Life cost in year two?
The membership renews at roughly the same annual rate, so a second year with one travel trip and no new add-ons typically lands near $21,000–$24,000. Year two is usually cheaper than year one only because the baseline genomics and one-time add-ons do not repeat.
Does insurance cover any of Fountain Life?
No. Fountain Life is entirely cash-pay and there is no in-network channel. HSA and FSA funds can often cover qualifying medical portions such as imaging and lab work; membership fees are treated inconsistently across plan administrators, so confirm before you assume eligibility.
How does the price compare to buying the pieces separately?
A whole-body MRI at Prenuvo runs $999–$2,499. A coronary CT calcium score runs $100–$500 cash-pay at most imaging centers. A broad biomarker membership runs $499/year. A physician-led telehealth program runs $1,900–$3,000/year. Assembled separately, that stack lands near $5,000–$7,000 — the Fountain Life premium buys in-person physician days, one coordinated site visit, and a single team reading all of it together.