Straight answers.

No. HealthPass is a paid healthcare membership program — it is not health insurance, not a health benefit plan, not a Medicare plan or Medicare supplement, and not a discount program. It doesn’t replace insurance and can’t be used instead of insurance. In fact, you must keep qualifying insurance active the entire time you’re a member.

Yes — always. Qualifying insurance (commercial, Medicare, VA, or TRICARE) is a requirement of membership, not an option. Participating facilities bill your insurer for your care exactly as they normally would.

It pays the part your insurer says you owe. When a participating facility bills your insurer, the insurer assigns a patient responsibility — copays, deductible amounts, coinsurance. For eligible in-house services at participating facilities, your membership pays that patient responsibility, so those bills never come to you.

Only at participating facilities. Today that includes our participating locations in Fountain Hills, El Mirage, and Gilbert, with more joining the affiliated network. At any non-participating hospital, ER, or clinic, normal billing applies and your membership does not.

Anyone with active qualifying insurance: commercial insurance, Medicare, VA, or TRICARE. Medicaid, catastrophic-only products, travel insurance, and short-term insurance under 12 months don’t qualify.

By your insurance’s in-network maximum out-of-pocket. Memberships start at $800 per year and increase $250 for every $5,000 of in-network max out-of-pocket above $5,000 — higher maximums mean higher potential patient responsibility, so pricing scales to keep the program sustainable. And it’s always one membership fee: a Family membership includes every dependent listed on your insurance at that one fee — never per-person pricing.

The membership and the care are identical either way. Monthly spreads the cost across the year with no minimum term — you can cancel any time. Annual is paid upfront, and paying the year upfront takes 20% off the annual price.

Paying annually is also the only way your membership reaches backwards. When you pay for a year upfront, your membership pays your outstanding previous-visit patient responsibility balance at participating facilities — with no time limit and no cap — provided you had active qualifying insurance at the time of that visit. It applies when you enroll on an annual membership, when you switch from monthly to annual, and again at each annual renewal. It does not extend to anything excluded from the membership. Paying monthly pays for eligible in-house services during the months you are a member, and does not reach an earlier balance.

The full terms are in Section 3 of your Membership Agreement.

Update your new qualifying insurance in the portal promptly to stay eligible. Because pricing follows your in-network maximum out-of-pocket, your fee may adjust with the new insurance.

Your choice at sign-up, and never separate memberships. An Individual membership is just you. A Family membership is you plus every dependent listed on your qualifying insurance — all included at one membership fee. You never pay separate amounts for separate people.

No. Your health history doesn’t affect your eligibility or your price — membership pricing is based only on your insurance’s in-network maximum out-of-pocket. Any condition our participating providers can treat in-house is included, from day one of your membership.

Eligible in-house services at participating facilities: emergency care, urgent care, primary care, pediatrics, on-site imaging (CT, X-ray, ultrasound), in-house lab tests, medications administered during your visit, and point-of-care testing.

Care at non-participating locations, lab work sent to outside labs, ambulance transfers, and retail pharmacy prescriptions (use your existing pharmacy benefit for those). Services tied to a motor-vehicle-accident or personal-injury case aren’t included while another party may be responsible — if the case ends without recovery and normal insurance billing resumes, eligible in-house services are included again.

No visit limits — members can seek care at participating facilities whenever they need it. Any condition our participating providers can treat in-house is included.

Only if they practice at a participating facility — your membership follows the facility, not a specific doctor. If your doctor practices elsewhere, you can absolutely keep seeing them; those visits simply follow your normal insurance billing, and your membership applies whenever you use a participating location.

Participating clinics and ERs accept most major commercial insurance as well as Medicare. Acceptance can vary by facility, so confirm your carrier when you visit — or ask us before you join and we’ll check for you.

Exactly what you do today: check in and present your insurance. The facility bills your insurer as usual. That’s it — your membership handles the rest for eligible in-house services.

Right away — you’re active per the terms in your Membership Agreement as soon as you enroll and receive your confirmation. Your agreement and membership details live in your member portal from day one.

Sign in to your member portal and upload the bill or EOB there — the portal is the only submission channel, and it keeps your information secure. We’ll take it from there and confirm with you when it’s resolved. Bills sent by email can’t be accepted.

No. Members never file anything with an insurer — your insurance and the facility handle billing between them, like always.

Your membership renews per the terms in your Membership Agreement, available anytime in the member portal. We’ll remind you before anything renews.

There is no minimum term on a monthly membership — you can cancel any time. Cancellation and refund terms, including for an annual membership paid upfront, are set out in your Membership Agreement in the portal. Call (602) 699-5244 or chat with Sarah on any page and we’ll walk you through it.

Honest answer: maybe not — and we’d rather tell you that now. HealthPass is built for people and families who want cost certainty when care happens. If a year passes with no visits, your fee bought peace of mind, not reimbursement. Weigh your family’s typical year and decide; a Program Specialist can help you think it through with zero pressure.

Chat with Sarah on any page, or call (602) 699-5244 — Sarah, our automated assistant, picks up first and puts you through to a person. Prefer a scheduled time? Request a consultation.