Participating ERs open 24/7 No appointment needed
HOW IT WORKS
Keep your insurance. We handle what it leaves you.
Participating facilities bill your insurer exactly as they always would. The patient responsibility your insurer assigns for eligible in-house services is paid by your membership, not by you.
Not insurance — and never a replacement
Qualifying insurance is a requirement of membership, not an option.
WHAT IT IS
A membership, not insurance.
Instinctive HealthPass is a healthcare membership, not insurance. Members keep their own qualifying insurance — commercial, Medicare, VA, or TRICARE. When a member visits a participating facility, the facility bills the member’s insurer exactly as it always would. The patient responsibility the insurer assigns for eligible in-house services is then paid by the membership, not the member. One membership fee. Unlimited eligible visits. No surprise balances from participating facilities.
THE THREE STEPS
How HealthPass works
Your commercial, Medicare, VA, or TRICARE insurance stays active. HealthPass works alongside it — never instead of it.
Which insurance qualifies
Walk into any participating facility. They treat you and bill your insurer exactly like they always would.
Where your membership works
The patient responsibility your insurer assigns for eligible in-house services is paid by your membership, not by you.
What’s includedWHY IT WORKS
Why our program is a game-changer
Predictable
One membership fee you know in advance — never a surprise balance from a participating facility.
Complete where it counts
Emergency, urgent, primary and paediatric care, with imaging and labs on site.
Built around families
One membership includes you and every dependent listed on your insurance.
No visit limits
Members can seek care at participating facilities whenever they need it.
You keep your insurance
It is a requirement of membership, and the facility bills it exactly as always.
More facilities joining
More participating facilities join the affiliated network over time.
WHAT’S INCLUDED
Clear about what’s in — and what’s not.
Included at participating facilities
- Emergency room visits
- Urgent care
- Primary care
- Pediatrics
- On-site imaging (CT, X-ray, ultrasound)
- In-house lab tests
- Medications given during your visit
- Point-of-care testing
Not included
- Care at non-participating locations
- Lab work sent to outside labs
- Ambulance transfers
- Retail pharmacy prescriptions
- Services tied to motor-vehicle-accident or personal-injury cases while another party may be responsible
WATCH
See it explained in minutes.
READY WHEN YOU ARE
Healthcare without the “how much will this cost?”
Join in minutes. Keep your insurance. Walk into participating care knowing your membership has the rest.
COMMON QUESTIONS
Six that come up most.
Is Instinctive HealthPass health insurance?
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.
So what does the membership actually do?
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.
Where does my membership work?
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.
How is my membership fee set?
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.
Do I sign up as an individual or a family — and does my family need separate memberships?
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.
What’s not included?
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.