What If Something Happens
Real coverage when it counts.
Real savings every day.
OffPlan Care handles the everyday visits you actually use. We recommend pairing it with a real emergency plan for the rare moments that could bankrupt you and can help connect you with one. A few examples of how that plays out are below.
See Plans & PricingTrue Protection
The four layers of true protection.
Everyday care handled, and a real safety net underneath.
So the small stuff is easy and the big stuff can't break you.
Cushion
Supplements
Extra cash to soften a hospital deductible. Optional, never a substitute for the floor.
The Tax Advantage
HSA
Pay for care in pre-tax dollars when paired with an HSA-eligible plan.
Floor
Catastrophic Plan
A real HDHP or Catastrophic plan underneath, so one serious event never bankrupts you.
Foundation
OffPlan Care Membership
The everyday care you actually use, one flat monthly fee. The base everything else builds on.
Real Scenarios
How it works when life happens.
You twist your ankle in a weekend pickup game. You need an evaluation and an X-ray immediately.
With a Bronze Plan Alone
You pay the full insurance-negotiated rate out of pocket at urgent care because you haven't met your deductible. This typically runs $1,500 to $2,000. Your plan pays zero.
With The OffPlan Care
Your doctor coordinates a fast, transparent cash-pay scan at a fraction of hospital prices. When everyday care is needed, there is nothing due at the visit, and your emergency floor plan remains completely untouched.
The Accident Cushion: If added, this optional layer sends a fixed cash check straight to you to help offset your cash-pay scan costs. This is your day-to-day 80%. OffPlan Care handles routine care beautifully, while deductible plans handle it badly.
Your shoulder has been aching for months. Your doctor orders an MRI to diagnose the issue before treatment.
With a Bronze Plan Alone
An insurance-billed MRI before your deductible runs $1,000 to $1,500 out of pocket. Many people delay the scan due to the high upfront cost.
With The OffPlan Care
Your doctor arranges the scan at a partner imaging center for $400 to $500. You see the exact, transparent price before you book. There are no surprise bills.
Pre-deductible cash pricing for imaging is consistently lower than standard insurance rates.
You feel fine, but a routine evaluation reveals an anomaly in your bloodwork. It is caught early and is highly treatable.
With a Bronze Plan Alone
The initial checkup is covered at no additional cost, but follow-up diagnostic labs hit your wallet instantly. Financial dread often causes people to skip these crucial next steps.
With The OffPlan Care
You see your doctor as often as needed with no extra fees. If a serious issue is found, your membership seamlessly hands off to your emergency floor plan to cover major specialty treatment.
Removing the cost barrier from daily visits allows you to catch problems before they become catastrophes.
A major health crisis requiring intense oncological treatment and specialized, high-cost medications.
With No Insurance Floor
Without a true financial floor, the system breaks. A membership for everyday care was never built to absorb six-figure hospital bills, and cash supplements only cover a few weeks of basic living expenses. Bills arrive uncapped, leading to medical debt.
With The Emergency Floor
Your ACA-compliant plan legally caps your absolute worst-case financial exposure at your individual out-of-pocket maximum. Insurance covers 100% of your covered care beyond that. You lose your deductible, not your life savings.
The Hospital Cushion: If added, this cash helps you absorb that out-of-pocket maximum and offset lost income while you recover. It softens the blow, but it never replaces the floor. OffPlan Care is your partner for health. A real catastrophic floor plan is your shield against bankruptcy.
Choosing Your Floor
How do I choose my emergency floor?
The Affordable Care Act features an official plan tier literally named Catastrophic. It features very low premiums and a high deductible, making it the perfect match for an OffPlan Care membership.
Under Age 30?
You are legally eligible to select a Catastrophic plan automatically.
Age 30 or Older?
You can secure this tier if you qualify for a standard hardship or affordability exemption. Otherwise, a standard ACA Bronze plan serves as your exact financial equivalent.
How it works here
You do not need to self-qualify or fill out complex forms during checkout. Our licensed partners will automatically review your age during onboarding, check your eligibility, and place the ideal floor plan for you at no extra cost.
Put both pieces in place.
Handle your daily care with OffPlan. Secure your financial safety net with the right emergency floor.
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