Meet the Experts Behind Your Healthcare Membership

A healthcare membership is a simple, affordable way to access healthcare support and services without relying solely on traditional insurance. It provides ongoing access to care, guidance, and resources designed to help you manage your health with more ease, clarity, and confidence.

For Individuals & Families:
A healthcare membership gives you 24/7 access to care support, mental wellness resources, and prescription services, helping you bridge gaps in traditional healthcare and avoid unnecessary delays or costs.

For Businesses & Organizations:
A healthcare membership allows employers to offer a meaningful healthcare access benefit that supports employee well being, improves retention, and helps control rising healthcare related expenses.

Choosing the right healthcare membership depends on the level of access, support, and convenience you want. Memberships are designed to provide ongoing access to care and services, with higher tiers offering broader benefits and enhanced support.

For Individuals & Families:
When selecting a healthcare membership, consider how often you want access to care, whether 24/7 support matters to you, and if mental wellness and prescription services are important. Many individuals and families prefer Platinum or Titanium memberships because they provide the highest level of access, added services, and greater peace of mind through more comprehensive support.

For Businesses & Organizations:
For employers, choosing the right healthcare membership means selecting a tier that best supports employee well-being while controlling costs. Platinum and Titanium memberships are popular options for businesses because they offer enhanced access, expanded support services, and a stronger employee benefit that helps with retention, productivity, and overall workforce wellness.

• 24/7 Virtual Care: Unlimited access to board certified clinicians for urgent or routine health needs anytime, day or night.

• Primary & Specialty Support: Access virtual primary care, dermatology, counseling, and behavioral health services depending on your membership tier.

• Prescription Benefits: Many memberships include a $0 or low cost formulary of generic medications and discounted pricing on others.

• Wellness & Preventive Services: Higher tiers add preventive care, chronic condition management, and additional consult options.

• Discounts on Services: Members often receive savings on dental, vision, labs, chiropractic care, and other essential services.

• Household Coverage: Many memberships extend benefits to family members under one plan at no additional cost

Because this is a membership model, not a traditional healthcare plan, coverage focuses on access, support, and affordability; meeting everyday health needs directly and helping you avoid unnecessary costs or barriers.

To apply for a healthcare membership, you will first schedule a brief appointment so we can understand your needs and recommend the right membership level.

For Individuals & Families:
Individuals and families can schedule an appointment using the Individual Enrollment link, where we’ll review your needs, walk you through membership options, and help you select the best tier.

For Businesses & Organizations:
Businesses must schedule an appointment using the Business Enrollment link. During this call, we’ll discuss team size, benefit goals, and membership options to determine the best fit for your organization.

Each enrollment path has its own scheduling link to ensure you receive the correct guidance and information.

Premiums: The amount you pay monthly or annually for your health insurance. There are no insurance premiums. Instead, members pay a simple, predictable membership fee for access to services and support.

Deductibles: The amount you pay for healthcare services before your insurance starts to pay. Healthcare memberships do not require deductibles. You do not have to spend thousands of dollars out of pocket before accessing care or support.

Out of pocket costs: The total amount you pay for covered health services, including copayments, deductibles, and coinsurance. Memberships are designed to reduce unexpected expenses by providing access to care, mental wellness support, and additional services without traditional copays, coinsurance, or surprise billing tied to insurance plans.

This structure allows individuals and families to focus on access, support, and peace of mind; without the financial barriers commonly found in traditional insurance models.

Yes. Your healthcare membership is month to month, which means you can upgrade or downgrade your membership at any time.

Each membership rate is locked in for a 30 day period. If you choose to make a change during the month, your updated membership level and pricing will take effect the following month.

Any adjustments are applied on a prorated basis, reflecting the change made during the prior billing cycle.

This flexibility allows you to adjust your membership as your needs change, without long term contracts or penalties.

With a healthcare membership like AccessCare365, you’re not limited by a traditional insurance network because this is a membership based access model, not insurance. You can use your membership from anywhere in the United States as long as you have an internet connection or phone service. This means you’ll still have 24/7 virtual access to licensed clinicians for nonemergency medical needs whether you’re at home, on vacation, or traveling for work.

Because it’s telehealth focused, there are no out of network restrictions like you’d see with insurance plans. If you do experience a true medical emergency while away, you should always seek local emergency care immediately. Membership access continues to be available for routine care, follow ups, behavioral health support, and prescription needs wherever you are in the country.

That means because AccessCare365 is a healthcare membership, not traditional insurance, you are not limited by a provider network. Membership services can be accessed anywhere within the United States, as long as the state or U.S. territory where services are being rendered is selected.

When scheduling an appointment, you will be asked to select the state or U.S. territory where you are physically located at the time of care. This information can and should be updated if you are traveling, and it must be accurate to ensure services are provided in compliance with state regulations.

This question is required before any appointment can be scheduled.

There are no additional requirements beyond selecting the correct state or territory. At this time, services are available within the United States only and do not extend internationally. We are actively working to expand services internationally in the future to better support our members.

Healthcare memberships do not use traditional insurance claims. Because this is a membership based model, there are no claims to file, no paperwork to submit, and no waiting for reimbursement decisions.

Instead of claims, members receive direct access to care, support services, and resources designed to help reduce out of pocket costs and simplify the healthcare experience.

For members who are concerned about unexpected medical bills, the Titanium membership offers an added layer of protection through medical debt relief, which helps address eligible medical expenses and reduce financial stress related to healthcare costs.

Members on other membership levels may choose to:
• Add medical debt relief as an optional add on, or
• Upgrade to the Titanium membership, which includes medical debt relief along with additional benefits

For Platinum members, upgrading to Titanium is often the better value, as Titanium includes medical debt relief and expanded benefits at a cost that is typically lower than purchasing the add on separately.

This structure allows members to choose the level of protection and support that best fits their needs; without claims, deductibles, or insurance complexity.

Understanding Our Healthcare Membership Levels

AccessCare365 offers multiple healthcare membership levels designed to meet different needs for individuals, families, and businesses. Each level provides access to care and support, with higher tiers offering expanded benefits, deeper support, and greater peace of mind.

Silver Membership

The Silver membership is a foundational option designed to provide basic healthcare access and support.

For individuals and families, Silver offers convenient access to virtual care for common health needs, helping reduce delays and avoid unnecessary in-person visits.

For businesses, Silver can serve as an entry-level benefit that introduces employees to accessible healthcare support without significant cost.

Silver is ideal for those who want basic access but have limited healthcare needs.

Gold Membership

The Gold membership builds on Silver by offering broader access and additional support services.

For individuals and families, Gold provides greater flexibility, more comprehensive virtual care options, and enhanced support for ongoing health needs.

For businesses, Gold is a stronger employee benefit that supports workforce wellness and helps reduce missed workdays and healthcare related stress.

Gold is a good choice for those who want more than the basics, but still a moderate level of coverage and access.

Why Most Members Choose Platinum or Titanium

While Silver and Gold provide meaningful access, Platinum and Titanium memberships consistently deliver the greatest value for both individuals and businesses.

Platinum Membership

Platinum is designed for those who want maximum access, faster support, and broader services.

For individuals and families, Platinum offers enhanced care access, stronger wellness support, and greater peace of mind when health needs arise.

For businesses, Platinum delivers a high impact benefit that supports employee well being, improves retention, and strengthens overall benefits packages.

Platinum is often the preferred option for those who want fewer limitations and more comprehensive support.

Titanium Membership

Titanium is the most comprehensive membership and offers the highest level of protection and value.

In addition to expanded access and premium support services, Titanium includes medical debt relief, helping members address eligible medical expenses and reduce financial stress related to healthcare costs.

For individuals and families, Titanium provides confidence knowing both care access and financial protection are built into the membership..

For businesses, Titanium offers a standout benefit that supports employee health while addressing one of the biggest concerns employees face, unexpected medical bills.

For Platinum members, upgrading to Titanium is often the smartest move, as Titanium includes medical debt relief and expanded benefits at a cost that is typically lower than purchasing add-ons separately.

Choosing the Right Membership

Every membership level provides access and support, but Platinum and Titanium consistently offer the strongest value, flexibility, and peace of mind for individuals, families, and businesses alike.

Because every situation is different, we recommend scheduling a brief appointment so we can review your needs and help you choose the membership that best fits you or your organization.

The cost of not having a healthcare membership often shows up in ways people don’t expect; delayed care, higher out of pocket expenses, limited access to support, and added stress when health concerns arise. Without a membership, many individuals and families delay seeking care due to cost or uncertainty, which can lead to more complex and expensive situations later.

For businesses, not offering a healthcare access benefit can result in increased absenteeism, lower employee satisfaction, reduced productivity, and higher turnover. Employees without accessible care are more likely to miss work, struggle with unmanaged health concerns, or face financial stress from unexpected medical bills.

A healthcare membership is designed to reduce these risks by providing consistent access, support, and guidance before small issues become larger problems. In many cases, the cost of waiting or going without access far exceeds the cost of having a membership in place.

You do not need traditional health insurance to become a member. Our program is designed to provide accessible, membership based care and support without relying on the complexities of traditional healthcare and insurance claims. Many members use our services as a primary access point for virtual care, wellness support, and everyday healthcare needs.

You can still enroll. Many members use our program alongside their existing insurance to gain faster access to care, additional wellness support, and a simpler healthcare experience without copays, deductibles, or claims for eligible services.