Frequently Asked Questions

Explore our FAQ section for detailed answers to the most frequently asked questions. For additional information or specific inquiries, feel free to contact our team to schedule a call.
Is HealthCoin Exchange insurance?
HealthCoin isn’t insurance; we’re something much better. We serve as a third-party payer, offering medical benefits to patients and employers through low-cost, highly qualified direct primary care (DPC) providers.

Our membership unlocks access to an exclusive provider marketplace at rates 50% to 70% cheaper than typical insurance. With lower monthly costs, transparent pricing, and fewer denied claims, managing your healthcare has never been easier.
Our mission is to make healthcare free. We will invest profits to reduce the cost of healthcare services for our loyal users, eventually bringing your monthly fees down to zero.
Unlike standard insurance plans, HealthCoin subscribers enrolled in our Catastrophic + DPC + Med Access Membership never have to pay for check-ups or regular doctor visits. For more substantial medical procedures or hospital stays, all HealthCoin subscribers will only pay 20% of their bill after meeting their patient responsibility threshold of $10,000. Those in hardship may qualify for 100% reimbursement.

Patients or employers acting on their behalf pay a monthly subscription fee to access our robust provider marketplace. When you enroll in our Catastrophic + DPC + Med Access plan, you will benefit from zero co-pays for visits to direct primary care (DPC) providers. However, patients will be responsible for the cost of low-priced lab work through their DPC provider.

Upon meeting the annual Patient Responsibility threshold of $10,000, patients will only be required to pay 20% of their subsequent emergency medical expenses. Additionally, an administrative fee will be applied after each visit or procedure to cover the processing and software costs associated with HealthCoin Exchange.

Yes, we do! Both our Catastrophic Plan and our Catastrophic + DPC + Med Access Membership provide access to emergency medical services, cancer treatments, and long hospital stays.

After receiving medical care, please request your healthcare provider’s Explanation of Benefits (EOB). This document provides a comprehensive breakdown of all the services you received.

Submit the EOB within the emergency section of your HealthCoin Exchange account, and our team will work with the hospital to pay a portion of the bill on your behalf, covering up to 80% in most cases!

Rest assured that during emergencies, you’re not confined to seeking care within a specific network. With HealthCoin, you can visit any medical facility that suits your needs.

Our offerings vary depending on the plan you choose. Take a look at an overview of our services to see which best suits your needs.

The Catastrophic Plan provides basic access to our software and comprehensive coverage for costly emergency services. Patients who spend more than $10,000 a year on healthcare expenses can submit their bills to HealthCoin for up to 80% reimbursement. We recommend our catastrophic health coverage for young, healthy individuals who want to avoid unexpected hospital bills.

HealthCoin’s Catastrophic + DPC + Med Access Membership has a broader range of options. In addition to the perks of our Catastrophic Plan, this membership provides access to a Direct Primary Care (DPC) provider, lowers pharmaceutical costs for most prescription medications, and includes annual buy-downs. For more information, visit our patient resource page.

HealthCoin covers 80% of the patient’s bill in most cases, except for instances where the patient is suspended due to non-payment or misuse of our gifting system.

In cases where we cannot cover a bill, HealthCoin will liaise with the provider or hospital to establish a settlement plan. Our commitment remains steadfast—we’re dedicated to ensuring patients are never burdened with heavy financial obligations.

Vision and dental will be included in our full access plan, which has a target release date in mid-2025.
Annual buy-downs are our way of paying you back. We reinvest yearly profits back into our HealthCoin services to lower your monthly costs each year.
Direct Primary Care (DPC) is a healthcare model where patients pay a monthly fee to access personalized medical services directly from their doctor. Unlike traditional doctors, DPC providers prioritize comprehensive care based on grassroots principles. They offer after-hours availability, specialty care, and frequent visits that can replace urgent care and routine check-up appointments.
We provide pharmacy and prescription benefits to Catastrophic + DPC patients. However, lower costs for name-brand medications are typically unavailable.

Any Questions

FAQ for Providers

How does HealthCoin Exchange benefit providers?
We pride ourselves on providing a compelling alternative to conventional insurance services. Our commitment to excellence ensures that our costs consistently run 50% to 75% lower than average insurance rates. But that’s just the beginning.

With our competitive pricing, you can allocate your resources without compromising quality. Plus, our streamlined payment processes guarantee you’ll receive prompt compensation for your services so you can focus on what matters most: personalized patient care.
Providers only pay a transfer fee when transferring funds from the HealthCoin Exchange account into their personal or business accounts.
HealthCoin Exchange operates differently from traditional healthcare-sharing companies. While sharing models collect funds from members for medical expenses, we take a unique approach.

Our platform provides users direct access to a marketplace of healthcare providers who handle documentation on behalf of patients (with their consent). This convenience is what our members pay for!

Unlike tax-exempt sharing alternatives, HealthCoin pays taxes and can allocate profits as needed. In our commitment to supporting our community, we generously redistribute funds to cover medical expenses at our discretion.

FAQ for Employers

Can HealthCoin Exchange replace insurance for my employees?
HealthCoin Exchange can replace traditional insurance for individual employees, offering a more direct and often more affordable path to healthcare services. For employers with 50 or more employees, legal requirements may still necessitate the provision of traditional insurance options. However, you may still offer HealthCoin alongside traditional insurance. Employees may often find that our product is superior and more cost-effective when given the option.

For smaller businesses with fewer than 50 employees or multiple 1099 contractors, HealthCoin Exchange is an attractive and cost-effective solution that can enhance your benefits package, giving your company an edge in attracting and retaining talent.

Unlike standard insurance plans, HealthCoin subscribers enrolled in our Catastrophic + DPC + Med Access Membership never have to pay for check-ups or regular doctor visits, allowing your employees to search our provider marketplace and select services that best suit their needs. For more substantial medical procedures or hospital stays, all HealthCoin subscribers will only pay 20% of their bill after meeting their patient responsibility threshold of $10,000.
Patients or their employers contribute a monthly subscription fee, which provides access to our healthcare marketplace. Employees enrolled in our Catastrophic + DPC + Med Access plan will benefit from zero co-pays for visits to direct primary care (DPC) providers; however, patients will be responsible for the cost of low-priced lab work through their DPC provider.

Patients or their employers contribute a monthly subscription fee, which provides access to our healthcare marketplace. Employees enrolled in our Catastrophic + DPC + Med Access plan will benefit from zero co-pays for visits to direct primary care (DPC) providers; however, patients will be responsible for the cost of low-priced lab work through their DPC provider. Upon meeting the annual Patient Responsibility threshold of $10,000, patients will only be required to pay 20% of their subsequent emergency medical expenses. Additionally, an administrative fee will be applied after each visit or procedure to cover the processing and software costs associated with HealthCoin Exchange.
Beginning with HealthCoin is easy. Head to www.gethealthcoin.com, and enroll as an employer. Following this, a representative will reach out. Then, you’ll kickstart the process by uploading a CSV file containing your employees’ email addresses onto the HealthCoin platform. You’ll review and confirm the eligibility of their family members for enrollment. Once complete, activate the autopay feature and let the software manage the rest. If you ever have questions, we’ll be one call away.

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