Question 1

Is the membership HSA-eligible?

Accepted Answer

Direct primary care is structured to be HSA-eligible as the regulatory pathway opens in 2026, and the membership is ready to begin accepting HSA contributions the moment that pathway is clear. HSA-ready billing rolls into an existing membership as soon as it is permitted — no new signup, no interruption of the flat-fee model at $60 per month for Individual. Read the full 2026 breakdown — what changes, what qualifies, and the example savings on a single and family bill — at [HSA + DPC: what's actually eligible in 2026](/blog/hsa-dpc-2026-eligibility).

Question 2

Why is an ID scan requested at signup?

Accepted Answer

An ID scan at signup confirms the membership is being opened by the right person and feeds name, date of birth, and address directly into the membership chart so the first virtual primary care visit opens with the right record. The scan is reviewed by a clinician rather than a call-center queue, and the scan itself is stored against the membership so a re-upload is never required after onboarding.

Question 3

How much does it cost?

Accepted Answer

One flat monthly bill, every tier. Individual is $60 per month. Family is $60 per month base plus $20 per additional member (two to four seats; a spouse and adult dependents are welcome). Small Business is $20 per employee and starts at five seats. The catastrophic coverage add-on is $49 per month on top of an Individual membership. The price you see at signup is the price you stay on for your first year of the practice; renewal pricing reflects the standard plan at the time.

Question 4

When does billing start?

Accepted Answer

At signup confirmation — the first charge runs through Stripe the moment you finish onboarding, and the membership activates immediately so you can book a visit the same week. After that, billing is monthly through Stripe; you can swap payment methods, view every charge, and add or cancel add-ons from the member dashboard at any time.

Question 5

What counts as a family?

Accepted Answer

A Family plan covers two to four seats: the primary member plus a spouse or adult dependents. The base charge is $60 per month and each additional member adds $20 per month. Virtual primary care is for adults only, and psychiatry is available to members 14 and older — but therapy, urgent care, teledentistry, and dental + vision savings are open to every member regardless of age. Children are enrolled under the parent or guardian and do not hold their own record.

Question 6

Is the membership HSA-eligible?

Accepted Answer

Direct primary care is structured to be HSA-eligible as the regulatory pathway opens in 2026, and we are ready to begin accepting HSA contributions the moment that pathway is clear. HSA-ready billing rolls into your existing membership as soon as it is permitted — no new signup, no interruption.

Question 7

What counts as preventive care under the membership?

Accepted Answer

Preventive care is the routine, scheduled layer of medicine — annual wellness visits, age-appropriate screenings, routine bloodwork, immunizations, and the lifestyle and risk counseling that runs alongside them. It is bundled into the flat monthly fee at $60 per month for Individual — the visit ships inside the membership without a separate copay. Acute and urgent visits, imaging, and prescriptions sit on the same membership chart but read a different lane at checkout, and a referral to in-network specialty is coordinated end-to-end rather than billed as preventive.

Question 8

What does the nationwide network not cover?

Accepted Answer

The nationwide network ships virtual primary care for adults, urgent care 24/7/365 by phone or video, mental wellness therapy (and psychiatry for members 14 and older), teledentistry triage, and dental plus vision savings at member rates. Radiology and specialty imaging, hospitalization, and in-person acute emergencies are not bundled — available à la carte at member rates, or coordinated through a wraparound plan or the catastrophic coverage add-on. Controlled substances are not prescribed through virtual primary care, urgent care, teledentistry, or psychiatry — any in-network referral is coordinated by your Blue Line Health care team when clinically warranted.

Question 9

Is this insurance?

Accepted Answer

No. Blue Line Health is a direct-care membership — a flat monthly fee covers comprehensive virtual primary care, urgent sick visits, chronic-condition check-ins, routine labs, and prescription coordination. For hospitalizations, surgery, and specialists, pair it with a wraparound plan or a high-deductible HSA-eligible plan; that stack keeps premiums low while your everyday care is covered in full.

Question 10

What happens in an emergency?

Accepted Answer

Go to the ER or call 911 — the membership does not cover emergency room or ambulance bills. After the event, your Blue Line Health care team handles coordination: records review, follow-up visits, refills, and a clear path back to baseline so you are not handed off to a stranger in a hospital gown.

Question 11

What does Blue Line Health's nationwide network actually cover?

Accepted Answer

The nationwide network covers urgent care 24/7/365 by phone or video (non-emergency only), routine dental checkups and cleanings, dental and vision savings at member rates, teledentistry triage 24/7/365, and mental wellness therapy and psychiatry. You can keep your existing specialist or hospital system as-is — the membership does not bundle specialty or inpatient care, which is what a wraparound plan or the catastrophic coverage add-on is for.

Question 12

What's not bundled in the base membership?

Accepted Answer

Radiology and specialty imaging are not bundled — available à la carte at member cash prices when needed. Catastrophic coverage and hospitalization are not in the base plan — handled by a separate wraparound plan or by adding the catastrophic coverage add-on. In-person acute emergencies are not bundled — your AI navigator routes you to the right setting, and the wraparound or add-on picks up the bill. Controlled substances are not prescribed through virtual primary care, urgent care, teledentistry, or psychiatry — your Blue Line Health care team coordinates any in-network referral that is clinically warranted.

Question 13

What happens during a mental-health crisis?

Accepted Answer

During a mental-health crisis, your Blue Line Health care team transfers you to 988 (Suicide & Crisis Lifeline). The mental-health network is not staffed for in-person acute crisis. Call or text 988 for free 24/7 crisis support; for a life-threatening situation, call 911 or go to the nearest emergency room.

Question 14

Do pre-existing conditions affect membership?

Accepted Answer

No. Direct primary care is preventive and maintenance-focused rather than underwritten, so a pre-existing condition never disqualifies you from joining. Day-to-day management of ongoing conditions is a routine part of what your Blue Line Health care team covers. If a condition needs heavy or hands-on handling — surgery, ongoing inpatient treatment, or long-term specialty medication — it is coordinated through a wraparound or catastrophic add-on rather than bundled into the base membership, and your care team reviews your history at onboarding so nothing falls between the cracks.

Question 15

How does the referral process work?

Accepted Answer

A referral happens when your care extends beyond what virtual primary care, urgent care, teledentistry, or psychiatry can safely handle — typically controlled substances, specialty imaging, or a hands-on follow-up visit with an in-network provider. Your Blue Line Health care team coordinates every step end-to-end rather than handing you off to a call-center queue: they line up the specialist, route your records and imaging orders in advance, and follow up after the visit so the next step never stalls. Notes, lab results, and consult letters flow back into your membership chart, and the next visit is scheduled before the current one ends so the referral stays animated.

Question 16

How do prescriptions work?

Accepted Answer

Refills are coordinated through your Blue Line Health care team and routed to high-value pharmacies, surfacing transparent cash prices that are often lower than your insurance copay. New prescriptions are written and sent to the pharmacy of your choice, and specialty meds that require prior authorization are handled by your clinician directly — not a call-center queue.

Question 17

How do refills and home delivery work?

Accepted Answer

Refills are coordinated by your care team in the background, with 365-day mail-order delivery available on maintenance medications. Address, dose, and frequency updates run through the same workflow — once you tell your care team about a change, the next fill ships to your door without a separate pharmacy call.

Question 18

How are my prior records and prior authorizations handled?

Accepted Answer

Prior records and medication history are summarized into your membership chart when you onboard, and your care team references them for every visit. Prior authorization for specialty meds is handled in the background by your clinician — not pushed to a third-party queue — so approvals move on clinical need rather than hold music.

Question 19

How do lab prices work?

Accepted Answer

Routine bloodwork panels are bundled at member rates — the order is placed during your virtual visit and the result flows back into your chart. Add-on labs are routed at transparent cash prices that often run lower than an insurance copay, and your care team surfaces the price before the draw so you can decide. Radiology and specialty imaging remain à la carte and were never bundled — see current radiology cash prices when a study is ordered.

Question 20

How month-to-month is the membership, really?

Accepted Answer

There is no contract and no annual minimum — the membership bills month to month through Stripe at $60 per month for Individual (Family is $60 per month base plus $20 per additional member). Cancellation can be done from the member dashboard or by email, takes effect at the end of the current billing period, and stays free of termination fees once the 30-day refund window has closed.

Question 21

Can I cancel anytime?

Accepted Answer

Yes. The membership is month-to-month, and you can cancel at any time from your member dashboard or by emailing us. There is no contract and no termination fee outside the 30-day refund window.

Question 22

What is the refund window?

Accepted Answer

If you cancel within 30 days of your first successful charge, we refund the full amount of that charge minus a nominal processing fee, processed within ten business days. After the 30-day window, the membership remains month-to-month — cancellation takes effect at the end of the current billing period, and we do not prorate partial months outside that window.

Question 23

What happens to scheduled visits after cancellation?

Accepted Answer

Visits scheduled before the cancellation date go through as planned, and any clinical notes, prescriptions, or refill orders placed before cancellation stay active. Continued care coordination, a copy of your clinical records, and a final medication list remain available to you after cancellation — you are never cut off mid-visit.

Question 24

What happens when a membership is paused?

Accepted Answer

If your payment method fails, we retry and notify you. After a reasonable grace period, your membership is paused until payment is corrected. A paused membership loses access to live scheduling, text-a-physician, and cash-price routing — but your existing records stay available, and the membership resumes automatically once payment clears. Adding an add-on mid-cycle is prorated to the remainder of the current billing period; canceling an add-on takes effect at the end of the current period and produces a credit applied to your next charge, never a cash refund.

Every answer to the questions people ask before they sign up.

Pricing, coverage, prescriptions, and billing — in plain language.

Membership & pricing

What's included vs. not

Prescriptions & labs

Cancellations & billing

Memberships start at $60 per month.