It’s always Open Enrollment at indipop! Click Find My Plan to get matched to one of the healthcare memberships.
Explore The Right Group Plan For You
- Great for small teams of 3 or more
- HSA compatible
- ACA compliant
- Satisfies penalty A (MEC) & B (MVP)
- Unlimited primary and urgent care $0
- Chiropractic visits
- Enroll your group with customized benefits
- Affordable monthly and out of pocket costs
- Features such as, Teladoc& Zion RxShare
indipop Essential + HSA Group
Powered by Zion Healthshare
Navigating the healthcare system doesn’t have to be a headache. All indipop plans include a level of service that most of our members have never known possible before indipop.
Same day membership, start your plan any day of the month!
BYOB, Build Your Own Benefits, you pay for what you need and custom create the plan that fits your needs.
1. Choose the major medical IUA and enroll.
2. After you enroll you can add in the benefits you choose.
This option is not available in Washington
Rates guaranteed though December 31st, 2024
Why people love this plan:
- Great for small teams of 3 or more
- HSA compatible
- ACA compliant
- Open network for providers
- $1,000 out of pocket for major medical
Plan Benefits
that can be added in
Preventive Care
Provides Preventive Services as Mandated by the Affordable Care Act (ACA)
- Annual Wellness Visit
- Well-Woman Visit
- Childhood Immunizations
- Mammograms – 6 month wait period
- Colonoscopies- 6 month wait period
24/7Virtual Health/Urgent Care/Primary Care
As a Member, you may access our primary, pediatric, women’s health, and behavioral health board-certified physicians on your own time, whenever and wherever. Through a convenient web and mobile experience, you are free to text directly with our providers to get the answers you need, including access to additional support. This solution will be accessible via secure text (with image share, phone, and video available) 24/7 365 days a year.
Mental Health
LifeCare
Member Assistance Program
100% Confidential Counseling: This program provides members with a way to find help dealing with personal and work-related issues. Without this help, the issues could decrease members’ quality of life or interfere with job performance.
Services include:
Counseling: Virtual, face-to-face, or telephonic sessions with a counselor
Personal Navigation: In all areas of work/life convenience
Access to Additional Resources: Childcare, legal, financial, support groups, housing, etc.
Elder Care and Financial: Telephonic consulting, tailored eldercare counseling & resources, plus financial wellness counseling provided by experts in their field
Online Training Library: Thousands of virtual work/life training and ability to track progress
Access to Compass: Advanced HR support and assistance in professional development
Maternity
Member becomes pregnant and receives prenatal care for 9 months. Member has standard vaginal delivery and postnatal care. Delivery is successful without further complications. The doctor prescribes several medications.
Pre and Postnatal Care, Ultrasound and Labs, Delivery,Prescriptions
Any pregnancy that is conceived prior to membership is not eligible for sharing.
Major Medical/ Urgent Care/ER
The indipop Essential + HSA powered by MPB Health, offers a low deductible for a medical need.
$1,000 per major medical/hospitalization capped at $3,000 annually.
Example: A broken leg, $1,000 is the patient responsibility amount, this is the out of pocket cost for the surgery, aftercare provider visits, and physical therapy if needed.
Emergency Room
The max out of pocket for an ER visit is $1,000.
Open Network
Keep your provider or choose a practitioner you want to work with. This plan is not a PPO or HMO, there is an open network and set rates for medical needs with transparent pricing. This ensures you don’t have to worry about networks and what surgeon, hospital or anesthesiologist is on call, you know exactly what you will owe.
For in in-person primary care/specialist appointments our suggestion is you say you are a self pay patient and pay the cash rate. You may always call the concierge number prior to an appointment to inquire about provider visits.
Imaging and Labs
Imaging
Skip the emergency room for x rays and scans, if your condition is not a life threatening medical need the 24/7 practitioners can order you the imaging you need. The self pay rate will apply to your IUA. Example: if you get an MRI and pay $300 out of pocket, and the medical need requires surgery, you will now pay $700 for the surgery. You applied $300 to count towards this medical need.
Labwork
Routine lab work included with your annual wellness $0. For labs throughout the year it will be a discounted self pay rate.
Cost & Quality Search Assistance
Our Concierge Team researches the highest quality, fairest priced providers, diagnostics centers, labs, and medical facilities for members who are in need of these services.
Care Connect
For high-cost surgical procedures. We work with the Care Connect Team to search for the highest quality and fairest price for each component of a member’s surgical procedure. The total cost is then negotiated to the lowest possible price.
Pharmacy Benefit Program
Our concierge Team searches a variety of U.S. and worldwide pharmacy discount platforms and pharmacy assistance programs to find the fairest priced medications, as well as where to purchase them. Use our sources for high-cost prescriptions and maintenance medications.
Health Savings Account
A tax-advantage medical savings account that can be used to pay for medical expenses with before-tax dollars is available to taxpayers in the United States who are enrolled in Secure.
- You own the account, therefore, HSA funds stay with you when you change jobs or retire.
- After age 65, HSA funds can be rolled into a retirement account or kept in the HSA for medical expenses
- Money you do not use in your HSA rolls over from year to year and earns interest tax-free.
- Options for self-directed investments can potentially grow your savings for healthcare or retirement.
Pre-Membership
Two-year lookback for pre-existing conditions
Time constraint for pre-existing conditions after membership effective date | Sharing eligibility
First 12 months | Not shareable
Months 13-24 | Shareable to $25,000
Months 25-36 | Shareable to $50,000
Month 37 and after | Shareable to $125,000
Essential+HSA Group Pricing
Select the IUA $1,000 or $2,500 (cap on high-cost medical expenses)
Similar Options
indipop Essential - HSA Plan FAQ
While insurance has max out of pockets and deductibles, indipop plans have IUA’s, Initial Unshareable Amount. The IUA follows the medical need rather than the calendar year. So, if you break your leg in December, you don’t pay for it again in January, unlike a deductible which would start at $0 in January.
indipop provides an alternative to health insurance, it is another approach to managing your healthcare needs. Your monthly rate is not based on earnings or employment status making these plans more flexible and affordable to fit diverse employment statuses. They also use app based coordination, medical advocacy, and pre-membership condition limitations to keep costs low for all members.
Why choose indipop
All of our memberships feature:
- Large or open nationwide networks
- Set, transparent pricing
- No lifetime or annual caps
- Open enrollment all year long
- Portability in all 50 states and when traveling abroad
- Concierge service and medical advocates
This plan does not restrict you to any networks. Receive identical benefits in all 50 states with the doctor of your choice. As we like to say here at indipop, you have the freedom to choose who cares for you!
Unlike traditional HMO or PPO plans, we utilize our care coordination team to help you manage your care effectively. The more you involve our team, the closer you'll be to zero medical bills. Need help finding a doctor? Our concierge service can connect you with a provider near you.
After you cross healthcare off your list, check out our partners, they can help with offers for credit card processing to cybersecurity.
indipop Complete Group
Powered by Zion Healthshare
Navigating the healthcare system doesn’t have to be a headache. All indipop plans include a level of service that most of our members have never known possible before indipop.
Same day membership, start your plan any day of the month!
BYOB, Build Your Own Benefits, you pay for what you need and custom create the plan that fits your needs.
1. Choose the major medical IUA and enroll.
2. After you enroll you can add in the benefits you choose.
This option is not available in Washington
Rates guaranteed though December 31st, 2024
Why people love this plan:
- Satisfies penalty A (MEC) & penalty B (MVP)
- Unlimited primary and urgent care $0
- Chiropractic visits and co-pays for specialists
Plan Benefits
that can be added in
Preventive Care
Annual Adult Physical & Well Child
$0 for you annual wellness or well child visit
Age appropriate screenings.
40 years old for a mammogram $50 copay
45 years old for a colonoscopy $50 copay
Primary Care/Specialists
This plan includes unlimited primary care visits for adults and children at $0.
Coordinate with Redirect using the app or phone, prior to the appointment.
Specialist visit
$50 copay
24/7 Virtual Health
Nurse practitioners, medical doctors and naturopaths can be reached 24/7 at $0.
These practitioners can order lab work, digital imaging and prescribe medication.
Mental Health
Mental Health & Tele-Counseling $0
Resilience PRO Mental Wellness Consultants • Life Coaches • Mental Health Crisis Counselors 24/7
Do you have a therapist you’d like to continue working with? We can help!
*No Coverage without Appointment Preparation/Pre-authorization
Maternity
Subject to IUA.
Individual max out of pocket is $4,000
Family max out of pocket $6,000
Pregnancy existing prior to membership is not shareable.
Major Medical/Urgent Care
Hospital Care – Inpatient & Outpatient Individual
Individual Plan: $2,000 Initial Member Responsibility 20% co-share | $4,000 out-of-pocket max
Family plan: $4,000 Initial Member Responsibility 20% co-share | $6,000 out-of-pocket max
Example: A broken leg for an individual, $2,000 plus 20% co-share up to $4,000 is the patient responsibility amount, this is the out of pocket cost for the surgery, aftercare provider visits, and physical therapy if needed.
Urgent Care
When you coordinate with the health plan prior to the provider visit it is $0.
Emergency Room
$500 Initial Member Responsibility + 20% co-share.
Open Network
This plan leverages the PHCS network of providers, Redirect health will work with your current provider if they are not currently in this network.
This plan is not a PPO or HMO, there is an open network and set rates for medical needs with transparent pricing. This ensures you don’t have to worry about networks and what surgeon, hospital or anesthesiologist is on call, you know exactly what you will owe.
Imaging & Labs
Imaging
Skip the emergency room for x-rays and scans, if your condition is not a life threatening medical need the 24/7 practitioners can order you the imaging you need many times it is $0!
MRI’s: $50 Copay
CT Scans: $50 copay
Ultrasound and other imaging: $50 copay
*No Coverage without Appointment Preparation/Pre-authorization
Labwork
Routine labs are included at $0
This plan is contracted with Labcorp they have locations in all 50 states.
Rx and Immunizations
Redirect will help find the lowest cost and where it is available. Not sure about your medication cost, reach out to indipop for help. They work directly with the medical advocates to help you save on your medication costs.
RedirectHealth.com/rxformulary
100% member responsibility and prices may vary depending on pharmacy location, quantity, and dosage.
Work with a medical advocate to see if you qualify for $0 cost medication.
Chiropractic
$0 for 12 Chiropractic visits/year for each person in the family.
Pre-Membership
How pre-existing conditions are shared:
A condition is considered pre-existing for you or a dependent if symptoms or treatment have occurred within the 12 months prior to joining the Medical Cost Share. See the Membership Guidelines for detailed description of what will be considered a pre-existing condition. Controlled diabetes, hypertension, high cholesterol, seasonal allergies, and intermittent asthma will not be considered pre-existing when reported prior to membership effective date.
Pre-existing conditions become eligible for sharing based on members’ tenure with the plan, as indicated by the following graduated sharing schedule:
Time After Membership Effective Date | Shareable
First 12 months | Not shareable
Months 13-24 | Shareable to $25,000
Months 25-36 | Shareable to $50,000
Month 37 and after | Shareable to $125,000
Conditions beginning after a Member’s effective date will be shared after the $1,000 per condition initial member responsibility and/or the annual $3,000 family maximum out-of-pockets have been met. See the Membership Guidelines for sharing rules.
Additional Sharing Restrictions
See Member Guidelines for detailed shareable restrictions. Households with one or more tobacco users will incur an additional $75/mo added to the membership price.
Complete Group Plan Pricing
Select the IUA $1,000 or $2,500 (cap on high-cost medical expenses)
Similar Options
indipop Complete Group Plan FAQ
While insurance has max out of pockets and deductibles, indipop plans have IUA’s, Initial Unshareable Amount. The IUA follows the medical need rather than the calendar year. So, if you break your leg in December, you don’t pay for it again in January, unlike a deductible which would start at $0 in January.
indipop provides an alternative to health insurance, it is another approach to managing your healthcare needs. Your monthly rate is not based on earnings or employment status making these plans more flexible and affordable to fit diverse employment statuses. They also use app based coordination, medical advocacy, and pre-membership condition limitations to keep costs low for all members.
Why choose indipop
All of our memberships feature:
- Large or open nationwide networks
- Set, transparent pricing
- No lifetime or annual caps
- Open enrollment all year long
- Portability in all 50 states and when traveling abroad
- Concierge service and medical advocates
This plan does not restrict you to any networks. Receive identical benefits in all 50 states with the doctor of your choice. As we like to say here at indipop, you have the freedom to choose who cares for you!
Unlike traditional HMO or PPO plans, we utilize our care coordination team to help you manage your care effectively. The more you involve our team, the closer you'll be to zero medical bills. Need help finding a doctor? Our concierge service can connect you with a provider near you.
After you cross healthcare off your list, check out our partners, they can help with offers for credit card processing to cybersecurity.
indipop BYOB
Powered by Zion Healthshare
Navigating the healthcare system doesn’t have to be a headache. All indipop plans include a level of service that most of our members have never known possible before indipop.
Same day membership, start your plan any day of the month!
BYOB, Build Your Own Benefits, you pay for what you need and custom create the plan that fits your needs.
1. Choose the major medical IUA and enroll.
2. After you enroll you can add in the benefits you choose.
This option is not available in Washington
Rates guaranteed though December 31st, 2024
Why people love this plan:
- Enroll your group with customized benefits
- Affordable monthly and out of pocket costs
- Add features such as, Teladoc, Zion RxShare, and Preventive Sharing.
Plan Benefits
that can be added in
Preventive Care
- Annual Wellness Visit
- Childhood Immunizations
- Mammograms – 6 month wait period (age 40)
- Colonoscopies- 6 month wait period (age 45)
Virtual Care
Through a convenient web and mobile experience, you are free to text directly with our providers to get the answers you need, including access to additional support. This solution will be accessible via secure text (with image share, phone, and video available) 24/7 365 days a year.
Mental Health
LifeWorks
Member Assistance Program
LifeWorks (Telus Health) is an additional service that can be added to your membership. It’s designed to support your mental wellness by providing access to counseling services, without the need to meet your Initial Unshareable Amount (IUA)
What LifeWorks Offers
- 24/7 Access: Get support whenever you need it, via phone, web, or mobile app.
- Digital and In-person Services: Choose from a variety of resources, including online tools and one-on-one counseling for acute needs.
- Empowerment for a Healthier Life: LifeWorks aims to equip you with the tools you need to live your healthiest life.
Major Medical included in the membership
This plan offers a $1000, $2500 or $5000 IUA, this is the amount you would be responsible for if you need a surgery or hospitalization. This is up to 3x in a calendar year.
Example: If you choose the $1,000 IUA and you break your leg and need surgery, medical expenses total $10,000. Your cost for this medical need is capped at $1,000. including follow up care, provider visits and physical therapy, if needed
TIP: If you select the $5,000 IUA, you may be saving monthly, but if your family has 3 major medical years in a year that totals $15,000 out of pocket.
Open Network
Zion HealthShare is not health insurance, there is no network limitations. Members can go to any healthcare provider within the US and Puerto Rico. The healthcare provider must be a licensed medical professional in the location where services are received and provide medically necessary evaluations and treatment to be considered eligible for sharing.
Contact Medical Advocacy for assistance in finding a low-cost provider.
Rx
Access to discounted prescriptions from any pharmacy through Zion RxShare powered by Rx Valet.
1. Simply type in the medication name on your prescription.
2. Enter the dose (strength, mg, etc.) and quantity prescribed.
3. Choose your savings option and save up to 80% on your medications.
Pre-Membership
To keep membership contributions low for all members, they implement a waiting period for sharing of medical conditions that existed prior to a member’s membership start date. They call such medical conditions: pre-membership medical conditions.
A pre-membership medical condition is any illness or injury for which a person has been examined, been diagnosed, taken medication, had symptoms, or received medical treatment within the 24 months prior to their membership start date. Sharing requests related to pre-membership medical conditions are only shareable if the condition was regarded as cured and did not require treatment or present symptoms for 24 months prior to the membership start date.
Shareable amounts for pre-membership medical conditions:
- Year One: $0 (waiting period)
- Year Two: $25,000 maximum per sharing request
- Year Three: $50,000 maximum per sharing request
- Year Four: $125,000 maximum per sharing request
After four years of membership, expenses related to pre-membership medical conditions will be shareable up to a maximum of $125,000 in a 12-month period. The shareable maximum resets each membership year.
Please Note: pre-membership medical conditions may still qualify for sharing through the Additional Giving fund.
Exceptions for High Blood Pressure, High Cholesterol, & Diabetes
High blood pressure, high cholesterol, and diabetes (types 1 and 2) are not considered pre-membership medical conditions as long as
1) the member has not been hospitalized for the condition in the 12 months prior to joining, and
2) the member is able to control the condition through medication or diet.
Read guidelines here
BYOB Plan Pricing
Select the IUA $1,000 or $2,500 (cap on high-cost medical expenses)
Similar Options
indipop BYOB Plan FAQ
While insurance has max out of pockets and deductibles, indipop plans have IUA’s, Initial Unshareable Amount. The IUA follows the medical need rather than the calendar year. So, if you break your leg in December, you don’t pay for it again in January, unlike a deductible which would start at $0 in January.
indipop provides an alternative to health insurance, it is another approach to managing your healthcare needs. Your monthly rate is not based on earnings or employment status making these plans more flexible and affordable to fit diverse employment statuses. They also use app based coordination, medical advocacy, and pre-membership condition limitations to keep costs low for all members.
Why choose indipop
All of our memberships feature:
- Large or open nationwide networks
- Set, transparent pricing
- No lifetime or annual caps
- Open enrollment all year long
- Portability in all 50 states and when traveling abroad
- Concierge service and medical advocates
This plan does not restrict you to any networks. Receive identical benefits in all 50 states with the doctor of your choice. As we like to say here at indipop, you have the freedom to choose who cares for you!
Unlike traditional HMO or PPO plans, we utilize our care coordination team to help you manage your care effectively. The more you involve our team, the closer you'll be to zero medical bills. Need help finding a doctor? Our concierge service can connect you with a provider near you.
After you cross healthcare off your list, check out our partners, they can help with offers for credit card processing to cybersecurity.
See Why People Love indipop
