How It Works
Healthcare isn't broken. The way we use it for everyday care is.
You pay one flat monthly fee and get a real doctor for the everyday care you actually use, with no co-pays and no surprise bills. We recommend keeping real insurance for the emergencies it was built for. That is it. No deductible to clear before your doctor will see you, no bill for a quick visit, no guessing what it costs.
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Think about how you actually use healthcare. Most of it is everyday: a sore throat, a refill, an annual checkup, a nagging question you want a real answer to. None of that needs to run through insurance. OffPlan Care handles all of it for one flat monthly fee, so insurance is left to do the one thing it is genuinely good at, covering the rare, expensive emergency.
80% of your healthcare isn't an emergency.
About 80% of the care you use in a year is predictable and routine. You know roughly what you will need: sick visits, basic labs, managing an ongoing condition, the occasional question. OffPlan Care handles all of that through your membership, with your own doctor, at no cost to you at the visit.
The other 20% is the part you cannot predict: a hospital stay, a serious diagnosis, a major surgery. That is what real insurance is for, and you keep a plan underneath for exactly that. Two different needs, two different tools, instead of paying insurance prices for everything.
The
80%
OffPlan Care handles the care you use
- Same-day primary care, nothing to pay at the visit
- A real physician who texts you back directly
- Routine labs and chronic care management
- Specialists and imaging at transparent cash prices
The
20%
Real coverage handles what you fear
- Unexpected hospital stays and major surgeries
- A serious diagnosis, including cancer
- Specialized medications
- A federally capped out-of-pocket maximum
The OffPlan Care Membership
Everything your day-to-day health requires.
No insurance to bill, no co-pay to hand over. Just real, transparent care.
Same-day primary care and sick visits.
Focused consultations that last as long as necessary to address your concerns.
Direct text or call access to your family doctor for quick parental and medical advice.
Routine diagnostic lab work handled entirely inside our office.
Ongoing chronic care management fully covered under your monthly fee.
Curated external specialist networks at clear, pre-negotiated cash rates.
What You Still Need
What happens in a real emergency?
Your membership handles the everyday. Here is how the coverage side works for the rare, expensive day, based on where you stand today.
OffPlan Care manages your routine health, but it does not cover rare emergencies like car accidents, major surgeries, or hospital stays. A solid safety floor beneath your everyday care is what protects your savings from a massive medical bill. During onboarding, a quick coverage check looks at your current status and points you to the right next step.
If you already have
active insurance
You keep your existing coverage. OffPlan Care fits right alongside it.
If you recently
lost coverage
We identify if you are within a Qualifying Life Event (QLE) window to immediately unlock Marketplace placement.
If you have no
coverage and no QLE
We guide you through alternative open enrollment pathways or localized exemptions.
If you are
unsure
A quick set of questions about your situation uncovers the exact protection layer you qualify for.
Whichever path you take, a separate licensed agency partner legally reviews your details and places a true ACA Bronze or Catastrophic plan to act as your shield against bankruptcy. Once that floor is secure, you can choose to attach an optional hospital indemnity policy (like Aflac) as a supplemental financial cushion. This cushion delivers a scheduled cash benefit directly to your bank account if you face a hospital stay, though it is strictly a supplement and never a substitute for the floor.
See It For Yourself
See how it works for you.
Whatever your situation, OffPlan Care fits. Here is how to see it for yourself.
1 See Real Scenarios
From a twisted ankle to a serious diagnosis, see exactly how OffPlan Care holds up when life happens.
Explore If Something Happens2 Run your own numbers
Enter what you spend today and see when OffPlan Care costs you less than a plan alone.
Cost CalculatorTake control of your healthcare budget.
Everyday care for one flat monthly fee, and real coverage for the emergencies. See the plans and find your fit.
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