Why are we different?
We are NOT insurance.
Traditional Insurance
Insurance carriers control the money and access to care.
Designed to retain profits for insurance corporations, not to guarantee access to care.
Gatekeeping by insurers creates delays, denials, and limits on what care, treatments, and medications consumers can receive.
Wastes time by forcing people to take off work to see a doctor for 15 minutes.
Used only when you are "sick" or limited wellness exams.
Uncertain or "surprise billing" creates hesitance to seek care when needed.
Doctors must justify every diagnostic or treatment order.
Private Network Model
Eliminates insurance and unnecessary middlemen to receive access to care.
On‑demand access to care (virtual first, in‑person as needed) without prior authorization or claims battles.
No prior authorizations on claims or treatment decisions. Improves physician-patient relationship.
No deductible, copays or denials.
Limits risk to a predictable, fixed cost for clearly defined access to care.
Lab work does not require doctor to justify tests allowing doctors to focus on health, not illness.
Can be used anytime to remain "healthy".
The Math Is Simple
Traditional Insurance (2026)
$2,249*
Per Month (or $26,933 Annually)
Average cost for a family Bronze plan after the ACA subsidy cliff expires on December 31, 2025. This represents $33,960 annually for limited coverage with high deductibles and copays.
High deductibles ($6,000-$9,000 per person)
Copays for every visit ($50-$75)
Limited network restrictions
Claim denials and paperwork
* Source: KFF 2025 Employer Health Benefits Survey
OptimalMD Private Network
$149*
Per Month (or $1,788 Annually)
Complete family coverage with unlimited virtual visits, free medications, and free lab testing. This represents just $1,788 annually — a savings of over $32,000 compared to post-subsidy insurance.
Zero deductibles
Zero copays
Nationwide network access
No claims or denials
* Source: OptimalMD.com
America's Healthcare Crisis
27.1M
Americans Uninsured
The number of uninsured Americans continues to grow, leaving millions vulnerable to financial catastrophe from unexpected medical events.
User satisfaction rating for clinical care. (JD Power Study)
30%
Income on Healthcare
Members already in our network. Join us!
For many American families, healthcare costs now consume nearly one-third of their entire household income — an unsustainable burden.
25%+
Premium Increases
Insurance premiums are skyrocketing in 2026, with many Americans facing increases of 25% or more on already unaffordable plans.
80
States Worsening
Eighteen states saw their uninsured rates actually increase in 2024, reversing years of progress in healthcare coverage.
Partners including labs, imaging centers, pharmacies, and more.
My AI Doctor™ Diagnostic System
OptimalMD Prime includes My AI Doctor™, a revolutionary diagnostic system that combines artificial intelligence with board-certified physicians to deliver faster, more accurate care than traditional telemedicine services.
Intelligent Technology
AI-powered symptom analysis uses advanced algorithms to evaluate your symptoms and medical history instantly
Intelligent triage determines urgency level and recommends appropriate care pathway
24/7 availability means you can access diagnostic assistance any time, day or night
Seamless handoff to live physicians ensures continuity of care
Voice Powered so you can have a conversation as if speaking to a real person to help you with your symptoms and concerns.
Human Expertise
Board-certified physicians available in an average of just 17 minutes
Full prescribing authority for medications when clinically appropriate
Comprehensive care for urgent care and primary care needs
13 Specialists Available via messenger from primary care, pediatrics, allergists, endocrinology, women's health, ophthalmology and more.
Care navigation to guide you to appropriate specialists or facilities when needed
OptimalMD empowers everyone to live their healthiest life, regardless of financial or insurance status.
Contact Us
Phone Support
Toll Free: (855) 378-7700
Members: (281) 962-7700
Email Us
Corporate Office
15002 Lakefair Drive
Suite 103
Richmond, TX 77406
Phone: (855) 378-7700