Question 1

Is your service actually free?

Accepted Answer

Yes — really. Carriers pay us when you enroll, and your plan cost is identical whether you use us or enroll direct.

Question 2

I'm under 65. Can you help me too?

Accepted Answer

Yes. Our Direct Access Care plan gives families under 65 24/7 virtual care, $0 labs, prescription savings and a health concierge for $165/month — spouse/partner and kids included.

Question 3

Is Direct Access Care insurance?

Accepted Answer

No. It's monthly access to specified services through licensed contracted providers nationwide. For bigger medical needs like hospital stays or surgery, ask us about optional additional care.

Question 4

What is health care sharing?

Accepted Answer

Members contribute a monthly amount and share each other's large, unexpected medical bills. You pay your portion (the IUA) first, then the community shares the rest. It's not insurance, and guidelines apply.

Question 5

How do everyday care and major medical fit together?

Accepted Answer

Direct Access Care handles day-to-day needs like virtual visits, labs and prescriptions. A health care sharing program handles the big moments like surgery or a hospital stay. Many families use both.

Question 6

Is sharing guaranteed to pay my bills?

Accepted Answer

No. Sharing is voluntary and never guaranteed. Compare that honestly with insurance denials, prior authorizations and surprise out-of-network bills — then read the published guidelines first.

Question 7

What about pre-existing conditions?

Accepted Answer

Nobody is turned away. Large needs tied to an existing condition phase in over about three years, while everyday care for it is covered by your membership from day one.

Question 8

Don't I need a network?

Accepted Answer

Everyday care doesn't need a network — it needs a doctor you trust. For big bills, many sharing programs let you see any provider.

Question 9

Can my employer pay for this?

Accepted Answer

Employer ICHRA dollars can buy an individual plan but not a cost-sharing membership. We'll help you weigh both paths.

Question 10

What happens when I turn 65?

Accepted Answer

We'll help you move from under-65 care to Medicare smoothly, with a free review before your Initial Enrollment Period starts.

Question 11

Do I have to sign up at 65?

Accepted Answer

Only if you don't have qualifying employer or union coverage. If you do, you can typically delay Part B without penalty.

Question 12

What's the difference between Advantage and Supplement?

Accepted Answer

Advantage bundles everything into one private plan (often with $0 premium and a network). Supplement (Medigap) pairs with Original Medicare, has a higher premium, and lets you see any Medicare doctor.

Question 13

Do I need Part D if I don't take medications?

Accepted Answer

In most cases, yes. Skipping when eligible without qualifying drug coverage triggers a lifetime late-enrollment penalty. There are very cheap 'just in case' plans.

Question 14

Can I change my plan later?

Accepted Answer

Yes. AEP (Oct 15 – Dec 7) is the main annual window. OEP (Jan 1 – Mar 31) allows one Advantage swap. Life events open Special Enrollment Periods.

Question 15

Do you work in my state?

Accepted Answer

We're licensed in all 50 states — and yes, that includes yours.

Question 16

Will you spam me with calls?

Accepted Answer

No. We call once to book your appointment and then only when you ask. We do not sell your info.

Question 17

What if I want to keep my current plan?

Accepted Answer

Perfect — we'll review it for free and confirm it's still your best fit. If it is, you keep it. No pressure.

Real questions. Real answers.

Ready to find healthcare you can afford?