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Tired of high premiums and steep deductibles?

  • You don't want to get a surprise medical bill
  • You want to lower or eliminate prescription costs
  • You need DME price reductions for financial assistance programs so you can afford the care you need.
  • You need help dealing with collection agencies for high hospital bills
About Vativis 

Traditional insurance vs Vativis plans

Services Provided

Vativis

Discount plan. Not insurance. No limitation or cap on visits.

EPO

Won't cover out-of-network care except in emergencies. Deductibles and caps on visits.

PPO

Broader network. High out-of-pocket costs. Deductibles and caps on visits.

Telemedicine (standalone)

  1. $0 for 3 visits per family member per condition
  2. 24/7/365 access any state
  1. Typically requires a copayment (around $30-60 per visit)
  2. May limit access if out of state
  1. $10-50 copay per visit
  2. May have limits on visits and if out of state

Rx Prescriptions

  1. 800 free generic medications
  2. 80% off generic
  3. 15-25% off brands
  4. International mail and PAP available
  1. Coverage varies on drug and pharmacy
  2. Usually needs a deductible
  3. May have exclusions and has exclusions
  1. Lower copay for generics
  2. Higher for brand-name and has exclusions

Mental Health/ Wellness and Coaching

  1. Requires prior authorization
  2. Copay $30-50
  1. Usually covers numerous sessions
  2. Higher out-of-pocket costs for out-of-network
  1. Usually covers numerous sessions
  2. Higher out-of-pocket costs for out-of-network

Primary Care

  1. $25-40 copay for in-network; $50-100 for urgent.
  2. Referrals needed for specialists and visits are limited
  1. $20-60 copay
  2. No referrals needed but higher costs for out-of-network and visits are limited
  1. $20-60 copay
  2. No referrals needed but higher costs for out-of-network and visits are limited

Lab Services

  1. Covered at variable rates; copay may app
  1. Typically covered with copay and deductible
  1. $20-60 copay
  2. No referrals needed but higher costs for out-of-network and visits are limited

Hospital Savings

  1. Custom negotiation through experts. Always the lowest price for in or out of network
  1. Savings only on in-network providers limiting choices
  1. Includes out of network choices at a higher cost