How it works
Healthcare that doesn’t fight you.
Blue Line Health is a flat monthly membership for working Americans — for the uninsured, the self-employed, and anyone on a high-deductible plan. The membership covers the day-to-day care you actually use, and routes you to a network of providers who publish their cash prices up front. One predictable bill. One consistent care team. No claim forms to chase.
What the membership covers
What your $60/month buys.
One bill. Eight lanes. Here is what the membership covers upfront — everything you see here ships with the bundle, included in the monthly price.
- Virtual primary care — for adult members, 8am to 8pm local, 7 days a week (excluding holidays)
- Urgent care — 24/7/365 by phone or video; non-emergency only; for true emergencies call 911
- Mental wellness — therapy 7am to 10pm local (video-only in Colorado and North Carolina); psychiatry for members 14 and older
- Dental + vision savings — nationwide network for checkups, cleanings, fillings, crowns, orthodontics, exams, contacts, frames, lens enhancements, and LASIK
- Teledentistry — 24/7/365 non-emergency dental questions and triage; non-DEA medication may be included, prescriptions not guaranteed
- Prescriptions + home delivery — generic routing, refills, and mail-order delivery
- Discount labs — routine panels bundled; cash-price routing for add-ons
- Care navigation via your AI navigator — decides ER, urgent care, or same-day visit
When hands-on care fits
What you pay out-of-pocket when something comes up.
When you need hands-on care, Blue Line Health routes you to a provider who charges a transparent cash rate. You see the price before the visit, you pay at the desk, and that’s the end of it — no claim, no EOB, no surprise bill three months later.
Tell us what is going on.
Start with a phone call, a video visit, or a message to your care team. Same-day visits are routine; we do not put you on a waitlist for the day-to-day stuff.
Check the cash rate.
When hands-on care fits, you see the cash price before the visit. Use the estimator for imaging, browse the dental and vision directory for the network rate, and your care team confirms the rate at the desk.
Pay at the desk.
One transparent rate at the counter, no claim chase, no surprise EOB three months later. Membership continues under your monthly bill; the cash-price visit is a separate in-the-moment charge.
Telemedicine
How telemedicine fits in.
Virtual primary care runs 8am to 8pm local, seven days a week, for adult members. Urgent care is 24/7/365 by phone or video — non-emergency only, and for true emergencies we direct you to 911 or the nearest ER. Teledentistry answers non-emergency dental questions any time of day.
When you call, you reach a coordinated care team: your dedicated virtual primary care physician for ongoing questions, the urgent care lane for the day-of stuff, mental wellness for the day-to-day weight, and an AI navigator to help you decide whether the visit needs to be hands-on at all.
The cash-price network
How the cash-price network fits in.
When hands-on care fits — dental cleanings, eye exams, lab draws, an MRI — the membership routes you to a provider in our nationwide network who charges a transparent cash rate. The price lives in the directory before the visit. You see it, you agree to it, and you pay the rate at the desk.
Members pay the network rate, which runs lower than an insurance copay on most of the everyday catalog. There is no claim, no deductible, and no surprise EOB arriving three months after the fact.
Specialists and urgent care
Specialists and urgent care, with the prices up front.
Blue Line Health routes members to cash-price specialists in our nationwide network at pre-published member rates — typically dermatology consultations, with cardiology, orthopedics, and GI rolling out as the network grows. Urgent care is already bundled: twenty-four hours a day, seven days a week, by phone or video, with a clinician who has your chart.
The numbers below are live from the specialty network. Specialist consultations in today’s published metros typically run under $300, and you see the rate before the visit. When something is outside the bundle — a hospitalization, an elective surgery, a recurring prescription that needs a specialty pharmacy — the care team coordinates the next step with a partner who publishes their price.
At a glance
The flow, in one picture.
Two lanes ship with the membership. A third lane — in-person emergencies — lives outside the bundle and is covered separately.
What’s not bundled
What’s not covered in the base membership.
Honest bundle boundaries. The list below is the same one the pricing page renders — nothing is bundled that we do not actually cover.
- Radiology and specialty cash-pay are not bundled — available à la carte at member rates when needed
- Catastrophic insurance and hospitalization are not bundled — handled by a separate wraparound or HDHP plan
- In-person acute emergencies are not bundled — your AI navigator routes you to the right setting, and the wraparound 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
Adding catastrophic coverage — the next add-on.
Hospitalization, ER routing, and surgery coordination layered on top of an Individual membership. We’re not quoting yet — join the interest list so the team can follow up when the carrier partnership is live. Not a regulated insurance product.
FAQ
First-time questions, answered.
Ready when you are
Activate your membership and lock the rate.
The membership and the rest of the membership ship together — one predictable monthly bill, every visit covered, no separate enrollment to chase downstream.