Care You Need, Cost You Can Afford
No Insurance can be better than having bad insurance.
Insurance is no guarantee of receiving the care you need and often does not protect you from financial hardship or medical bankruptcy. After paying premiums and deductibles year after year, the majority of people are better off paying cash and saving their money. There is a risk both ways, but OptimalMD for those who want more control of financial process. If insurance is provided through your work we recommend you have both options if you can.
We are NOT health insurance.
You may qualify for free or discounted services.
Healthcare services are often more accessible than many realize. The combination of these services with an OptimalMD plan make healthcare more accessible and affordable. If you lost your job, are having a baby and other reasons qualify you for Marketplace plans when you need them. True to use your best judgement as a healthcare consumer to decide.
Not everyone qualifies, you may get even better care.
We can guide you in the process.
Our company serves as an informational resource to help individuals navigate the complex landscape of healthcare services and assistance programs. Our expertise lies in explaining how to access and utilize these services.
We do NOT directly provide healthcare assistance.
Our plans are NOT perfect, so here is how you may close the gaps in coverage.
Many individuals and families struggling with financial hardships, job loss, or medical issues may qualify for government assistance programs without realizing it. These programs include health insurance through the Affordable Care Act Marketplace, food assistance through SNAP, housing aid, and financial support through programs like TANF or SSI. Eligibility often depends on factors such as income, family size, and specific circumstances. Additionally, people experiencing life changes like losing a job, having a baby, or moving may qualify for special enrollment periods for health insurance. It's important to regularly check eligibility for these programs, as criteria and personal situations can change over time.
No Direct Hospital Coverage
Proposed Soluton: Hospitalization Waiver 501(r) Benefit
Many of our members automatically qualify for no cost or highly discounted rates under hospitals 501 (r) charity requirements. hosptal Hospitals are required to provide care at no or reduced cost to those who meet federal assistance guidelines even without insurance. In your case, insurance may not be necessary. While hospitalization is not covered by the OptimalMD plans, we can advise you to your rights so that you may still obtain care if needed.
Step-by-Step Guide to Qualifying Under These Hospital Benefits
Emergency Room Visits
In person ER visits are not covered by our plans.
If you need to go to the ER, Individuals are protected in two key ways to be sure you will be seen and treated if necessary. Please advise the hospital upon admission you qualify under 501(r) guidelines.
Hospitals must provide service. EMTALA (Emergency Medical Treatment and Labor Act) is a federal law that requires hospitals with emergency departments to provide emergency medical care to anyone who needs it, regardless of their ability to pay or insurance status.
The same Hospital Waiver 501(r) Benefit mentioned above apply to emergency room visits.
Cancer Treatments & Severe Illness
Proposed Soluton: Hospitalization Waiver 501(r) Benefit
Similar to the hospital rules above, we have assisted many families in recieving free or highly discounted cancer treatements. We can make no promises, but you may qualify under the same 501(r) benefit to receive care for any severe illness.
If your illness causes a change in your job status, you would also qualify for a Healthcare Insurance Marketplace plan if you apply within 60 days. This is an additional layer of protection that can protect your family in case of emergency.
Step-by-Step Guide to Qualifying Under These Hospital Benefits
Discounted Services
These services are not covered in our plans, but often offered at prices far less than if you had insurance.
Diagnostic Imaging (MRI, X-Ray, Ultrasound, etc.)
Laboratory Services (Advanced Blood Work)
Physical Therapy
Advanced Behavioral Health (Psychiatry)
Our support team can help you get the best prices.
Our members can call our toll free support line and discuss pricing and services with our world class support team. Join our movement that has a 95% Customer Satisfaction Rate and millions of happy members in our network.
Why OptimalMD?
24/7 Access to Care
Because health concerns don't adhere to a 9-to-5 schedule, our network of U.S. licensed physicians and healthcare professionals is available around the clock, ensuring you have access to care whenever you need it.
Personalized Healthcare Solutions
From virtual primary care and urgent care visits to behavioral health support and specialist consultations, our comprehensive suite of services is designed to meet the diverse needs of our members.
No Surprise Pricing
We believe in transparency and affordability in healthcare. With OptimalMD, there are no hidden fees, and our members enjoy access to a range of services at a fraction of the cost of traditional healthcare models.
A Commitment to Innovation
We continuously invest in research and development to enhance our platform and services, ensuring that our members benefit from the latest in healthcare technology and innovation.
Your Mental Health Matters
Recognizing the intrinsic link between physical and mental health, we offer extensive virtual psychology and psychiatry services to support our members' emotional and mental well-being.
Our Vision
We're working towards a world where everyone, no matter where they come from, or what they earn, lives their healthiest life. At OptimalMD, we're making that world a reality.
Join Us on This Journey
At OptimalMD, we're more than just a healthcare provider; we're a partner in your health and wellness journey. Whether you're seeking immediate medical advice, managing a chronic condition, or looking to improve your overall well-being, we're here to support you every step of the way.
Welcome to OptimalMD. Welcome to a healthier, happier you.
