What is NOT Covered
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.
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 judgment as a healthcare consumer to decide.
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 are NOT health insurance.
Not everyone qualifies, you may get even better care.
We do NOT directly provide healthcare assistance.
We are NOT health insurance.
Not everyone qualifies, you may get even better care.
We do NOT directly provide healthcare assistance.
Our plans aren't perfect — here's how you can help close the gaps in coverage.
Insurance doesn’t guarantee you’ll receive the care you need, and it often fails to protect you from financial hardship or medical bankruptcy. After paying premiums and deductibles year after year, many people are better off paying cash and saving the difference.
There’s risk either way — but OptimalMD is ideal for those who want more control and clarity in managing their healthcare costs. If your job provides insurance, we recommend keeping both options if possible.
No Direct Hospital Coverage
Many of our members automatically qualify for free or significantly discounted hospital services under 501(c)(3) charity care programs. Hospitals are federally required to provide no-cost or reduced-cost care to individuals who meet financial assistance guidelines — even without insurance. In many cases, 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.
Emergency Room Visits
If you need to visit the ER, you are protected by two key safeguards to ensure you are seen and treated if necessary. Upon admission, please inform the hospital that you may qualify under 501(c)(3) charity care guidelines.
Hospitals are legally required to provide emergency services. Under EMTALA (Emergency Medical Treatment and Labor Act), a federal law, hospitals with emergency departments must provide medical care to anyone who needs it, regardless of their ability to pay or insurance status.
— In person ER visits are not covered by our plans.
Emergency Room Visits
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
Similar to the hospital guidelines above, we have helped many families receive free or significantly discounted cancer treatments. While we cannot guarantee results, you may qualify under the same 501(c)(3) charity benefit to receive care for any severe illness.
If your illness results in a change to your employment status, you may also qualify for a Health Insurance Marketplace plan if you apply within 60 days. This offers an additional layer of protection that can support your family in an emergency.
Discounted Services
Diagnostic Imaging (MRI, X-ray, Ultrasound, etc.)
Laboratory Services (Advanced blood work)
Physical Therapy
Advanced Behavioral Health (Psychiatry)
Our support team can help you find the best prices.
Our members can call our toll-free support line to discuss pricing and available services with our world-class support team. Join our movement—with a 95% customer satisfaction rate and millions of happy members in our network.
— These services are not covered in our plans, but often offered at prices far less than if you had insurance.
Discounted Services
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.
OptimalMD empowers everyone to live their healthiest life, regardless of financial or insurance status.
Contact Us
Phone Support
(855) 378-7700
Email Us
Corporate Office
15002 Lakefair Drive
Suite 103
Richmond, TX 77406