Insurance is for emergencies. Healthcare is for everyday life.
OffPlan is a structural reset, not another plan.
Employers save. Employees get real care. Physicians practice medicine again. Advisors win new clients.
How can we help you?
The OffPlan Difference
Healthcare without the insurance friction.
No Claims for
Primary Care.
For the 80% of healthcare most people actually use, there are no claims to file, approve, deny, or appeal.
No Prior Authorizations
for Primary Care.
Your doctor controls care decisions, not an insurance company.
No
Deductibles.
No copays. Primary care is fully covered through membership.
Real
Physician Access.
Same-day or next-day appointments. 30-to-45 minute visits. In-person, tele-health, direct text or call.
Traditional insurance was built around claims.
OffPlan was built around care.
Our Philosophy
We're not anti-insurance,
we're anti-misuse of insurance
You'd never file an auto claim for an oil change, so why do we let a $700 billion insurance bureaucracy handle a routine doctor's visit? OffPlan brings back the logic: a simple membership for everyday care, and insurance for the big stuff. Our incentives are aligned with yours. We earn a flat rate, so when your costs go down, you actually keep the savings.
OffPlan handles:
of everyday healthcare.
- Annual wellness exams
- Sick visits
- Chronic disease management
- Care coordination
- Rx Management
- Preventative Care
Insurance covers:
of care that insurance was actually designed for.
- ER Visits
- Hospitalizations
- Specialist procedures & surgeries
- Imaging (MRI, CT)
- Cancer treatment
*For ER visits and short hospital stays, hospital indemnity pays fixed cash directly to the employee.
How It Works
Healthcare, finally managed by common sense.
Most of what we need from a doctor is actually pretty routine. OffPlan handles that 80% through a straightforward membership. This lets insurance go back to doing its original job: protecting you from the big, unpredictable things like surgeries and emergencies.
Primary Care
Unlimited visits, chronic disease management, basic labs, telehealth, same-day access. $0 copay. Physician-owned practices.
Curated Specialty Access
Cash-pay specialists and imaging at pre-negotiated transparent rates. MRI: ~$350 vs. $1,200–$3,000 through insurance. Colonoscopy: under $1,500 vs. $4,000+. Employer-funded benefit card. No claims filed.
Gap Event Protection
Hospital indemnity + accident insurance. Cash payouts for ER visits and hospital admissions below the stop-loss attachment point. HSA-compatible.
Major Event Protection
Stop-loss + hospital network for ER, inpatient, and major surgery. Claims only for the 10-15% that is truly catastrophic. Standard plan deductible and coinsurance apply. Designed to protect you from costs that would otherwise be financially catastrophic.
Who It's For
Built for those who know the system is broken
For Physicians
Own your practice. Set your schedule. 600-800 patient panels. No insurance billing. No prior authorizations. Equity in the platform. We handle the business so you can practice medicine.
Explore the physician opportunity
For Benefits Advisors
Your client cannot absorb another 20% renewal increase. Now you have an answer. Broker-of-record protected. You keep the client and we deliver the care. Bring a differentiated story to prospects your competitors can't match.
Explore the advisor partnership
For Employers
Self-funded, level-funded, or fully insured. 80% of your healthcare spend is predictable, routine care that does not require insurance. We remove it from the insurance system entirely. You get lower costs that stay lower.
Explore the employer sectionReady to see a simpler way forward?
Whether you're running a practice, building a benefits package, or managing a team, we'll show you exactly how the OffPlan model plugs into what you're already doing. No high-pressure sales, just a clear look at how this fits your world.
Schedule a Conversation