FAQ
Short, candid answers about the flat-fee model, what is and isn’t covered, and how the membership fits alongside the plan you may already have.
No. Blue Line Health Plan is a direct-care membership — a flat monthly fee covers comprehensive primary care, urgent sick visits, chronic-condition check-ins, routine labs, and prescription coordination. For hospitalizations 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.
Go to the ER or call 911 — the membership does not pay for emergency room or ambulance bills. After the event, your Blue Line Health Plan physician handles coordination: records, follow-up visits, refills, and a clear path back to baseline so you are not handed off to a stranger in a hospital gown.
For day-to-day care, you route visits through Blue Line Health Plan so primary-care, labs, and refills are covered in full. Many members keep their existing specialist or hospital system as-is — the membership does not bundle specialty or inpatient care, which is what a wraparound or HDHP plan is for.
Refills are coordinated through your Blue Line Health Plan physician 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 physician directly — not a call-center queue.
Direct primary care is structured to be HSA-eligible as the regulatory pathway opens in 2026, and we are prepared to begin accepting HSA contributions the moment that pathway is clear. Members who reserve a spot in the founding cohort today will have HSA-ready billing rolled into their existing memberships as soon as it is permitted.
Ready when you are
The founding cohort is onboarding throughout 2026 — founding-price spots are limited and roll into the next year's pricing once filled.