Four plans. The only thing that changes is how much you can use.
Same card, same networks, same discounts at the counter. A cheaper plan is not a weaker version of the benefits — it simply includes fewer categories.
| Plan | Cats | Monthly | 6 months | 12 months | Year 1 saving |
|---|---|---|---|---|---|
| Complete SolutionEverything, including dental | 17 | $39.95per month | $199$33.17/mo | $299$24.92/mo | $180 |
| Sensible SolutionMost of the commonly used categories | 13 | $29.95per month | $169$28.17/mo | $249$20.75/mo | $110 |
| Essential SolutionCore medical and wellness | 9 | $24.95per month | $129$21.50/mo | $199$16.58/mo | $100 |
| Basic SolutionThe three most used | 3 | $19.95per month | $109$18.17/mo | $149$12.42/mo | $90 |
The small figure under each price is what that cycle works out to per month, so the three can be compared directly. Year 1 saving is what paying twelve months up front keeps against twelve monthly payments.
02 — What each one adds
The plans stack. Each one is the plan below it, plus more.
Nothing is taken away as you move up, so the only question is where you stop.
Basic Solution
3 categories$19.95/mo- Retail and mail order pharmacy
- Vision care
- Hearing aids
Essential Solution
9 categories$24.95/moEverything in Basic, and adds:
- Lab testing
- MRI and CT scans
- Mental health
- Durable medical equipment
- Alternative medicine
- Vitamins and supplements
Sensible Solution
13 categories$29.95/moEverything in Essential, and adds:
- Physician and hospital discounts
- Chiropractic
- Diabetic supplies
- Caregiver support
Complete Solution
17 categories$39.95/moEverything in Sensible, and adds:
- Dental
- Doctors Online — 24/7 telehealth
- Health advocate solutions
- Pet care
03 — How billing works
Monthly, semi-annual, or annual
Longer cycles cost less overall. Nothing else changes between them — same card, same categories, same discounts.
Six months sits between the two, though not in the middle. On the Complete plan it works out at $33.17 a month against $39.95 — while twelve months takes it to $24.92. That pattern holds across all four plans: the twelve-month rate is where the saving actually lands, and six-month billing buys flexibility more than it buys a discount.
No contract
Stop whenever you like. There is no term to see out and no cancellation fee.
One membership, one card
The physical card is posted within ten business days.
Move between plans
If a plan turns out to be the wrong fit, you are not stuck on it.
Plans can also be added to certain other qualifying subscription services as a monthly add-on, billed monthly and mirroring the structure above. Small business arrangements are sized to the company and worked out directly.
04 — Choosing one
The right plan is the one that pays for itself
Which is a question about you, not about us.
If you fill one prescription a month and wear glasses, Basic tends to cover its own cost and the rest is spare. If you have dental work coming, Complete is the only plan that touches it, and the math often settles itself in a visit or two. If none of them work out ahead for you, we would rather say so.
See which plan pays for itselfA few questions about what you actually spend on — nothing to fill in, and no obligation at the end of it.