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indipop Core
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.
Why people love Core:
- Sharing for maternity needs in the first year*
- Total freedom from the traditional system
Things to consider:
- 36-month look back period
- 6-month waiting period for preventive screenings.
- Reimbursement model
*Not available in WA, VT, ND, PA, NM, CA, MD, MT and FL
What's Included?
Preventive Care
Age appropriate screenings are available after 6 months of continuous membership and reimbursed based on guideline allowance.
Virtual Care
- Optional add-on service
- Unlimited access to physicians
- Virtual care at your fingertips
Primary Care
To see a primary care provider simply ask for the “self-pay” or “cash pay” rate to take advantage of the discounted rate, or use the Savvos cash pay marketplace to locate low-cost providers and services near you. If the need becomes larger, your payment will apply to your chosen IUA.
Specialists
To see a specialist care provider simply ask for the “self-pay” or “cash pay” rate to take advantage of the discounted rate, or use the Savvos cash pay marketplace to locate low-cost providers and services near you. If the need becomes larger, your payment will apply to your chosen IUA.
Imaging and Labs
Use the Savvos cash pay marketplace to locate low-cost services near you. If the need becomes larger, your payment will apply to your chosen IUA.
E.R./Urgent Care
Urgent Care
Use the Savvos cash pay marketplace to locate low-cost providers and services near you.
If the need becomes larger, your payment will apply to your chosen IUA.
Emergency Room
Capped at the chosen IUA for expenses related to a single eligible medical need.
High Cost Medical
Expenses related to eligible medical needs are capped at your chosen IUA (initial unshareable amount) or member responsibility.
You are responsible for no more than 3 in a 12 month period per membership. Choose between a $500, $1000, $1500, $2500 or $5000 IUA.
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 necessary.
TIP: If you select the $5,000 IUA, you may be saving monthly, but if your family has 3 major medical needs in a year, you could be responsible for $15,000 ($5000 X 3) out of pocket.
RX
- Save up to 80% on medications
- Powerful shopping tool for comparing Rx prices
- Over 67,000 pharmacies
Savvos Cash Pay Marketplace
- Shop for imaging, outpatient surgery, labs, diagnostics & more
- Save up to 90% compared to local hospitals
- Simplified communication, approvals, scheduling & payment
- And, enjoy a reduced IUA for utilizing Savvos
Member Support
- Real live experts
- Assist with sharing questions
- Guide you every step of the way
Membership Concierge
- Service to help Members find cash pay providers in their area and value driven pricing for care
- Recommendations within 3-5 days
Maternity
Maternity Specific Initial Unshareable Amount applies:
2x the Member’s selected IUA up to a maximum of $5,000.
Newborn Members must be added to a household no later than 30 days after birth to be eligible for shared funds.
*Existing pregnancy will be treated as a pre-existing condition
Pre-Membership
This membership limits sharing for pre-membership conditions.
The existence of a pre-membership condition does not prevent participation in the membership and is not intended to deny care. If you or someone in your membership has a pre-membership condition, sharing for that condition will not be shareable in the first year of membership.
Thereafter, sharing for pre-membership conditions for which symptoms and/or treatment existed within 36 months prior to membership.
Year 1: No cost sharing for the condition
Year 2: A $25,000 sharing limit for condition
Year 3: A $50,000 sharing limit for condition
Year 4: Condition eligible for full sharing
A pre-membership medical condition is any illness or injury for which a person has been:
- Examined
- Diagnosed
- Taken medication
- Had symptoms or,
- Has a personal history of or known increased risk of conditions that may arise or worsen in pregnancy or
- Received medical treatment within the 36 months prior to their membership start date.
Exclusions: Back pain, genetic defects, high blood pressure, diabetes not requiring insulin and heart conditions are not considered pre-membership medical conditions as long as the member has not been hospitalized for the condition in the 36 months prior to joining, the member is able to control the condition through medication or diet and exercise, and a written verification signed by both the Member and the Member’s treating physician must be submitted to substantiate that there have been no signs or symptoms of the condition, no treatment needed, no medication recommended or taken, and no suspicion by the patient or doctors that the condition was resurfacing for at least 36 months prior to membership Start Date.
If you think you have a premembership condition, reach out to a member of our team to discuss the applicability of this provision.
indipop Core Rates
Your Initial Unshareable Amount (IUA) is the upfront amount you’re responsible for when a high cost medical need arises. Unlike a deductible, it’s not tied to the calendar year—instead, it applies per incident and caps your cost for major medical events.
Routine services are available without needing to meet your IUA first. Once your IUA is met (up to three times per year), there’s no additional coinsurance—the community shares the rest.
Important: Always review pre-membership medical condition guidelines before enrolling.
Routine services are available without needing to meet your IUA first. Once your IUA is met (up to three times per year), there’s no additional coinsurance—the community shares the rest.
Important: Always review pre-membership medical condition guidelines before enrolling.
Select the IUA (cap on high-cost medical expenses)
Similar Options
Similar Options
indipop Core FAQ
An IUA, or initial unshareable amount, is your member responsibility for expenses related to a single eligible Medical Need. Designed to avoid costly surprise medical bills, IUAs function as caps on your out of pocket costs for eligible medical needs. You are responsible for a maximum of 3 IUA’s in a 12 month period. For many of our memberships, you have the freedom to select your IUA.
No. These month to month memberships and plans offer an alternative approach to paying for and accessing healthcare. Each membership included in our marketplace was carefully selected to meet indipop’s strict criteria. Registration for Group Plans and Individual or Family memberships is available year round – some with a same day effective date. Simply structured to provide set, transparent pricing and designed to avoid surprise medical bills – see if you are a good fit for one of our memberships.
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 49 states and when traveling abroad
- Concierge service and medical advocates
These memberships do not restrict you to a network. Receive identical services 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, these memberships provide medical advocacy teams to help coordinate your care. Need help finding a doctor? The concierge will connect you with a provider wherever you go.
The more you involve the team, the closer you'll be to zero medical bills.
Add these supplements to any plan
indipop dental and vision
Vision, dental and prescription discounts
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