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Is this health insurance?

No, this is a discount program where membership is free.




Can I enroll while I'm in my physician's office?

Yes, it's easy and your discount will apply right aw




How are fees determined?

Most fees are based upon the lowest accepted managed-care rates.



Can I use my iCard for MRIs, CT scans, physical therapy, chiropractic, or dentist visits?

Yes, we are adding more services all the time.




Should I enroll even if I have insurance?

Yes, the iCard can be useful for many different services that are not covered by your insurance.




Is this really a free program?

Yes, this is really a free program.




How does my provider know I'm a member?

You can confirm your membership using your phone.




Is this charity care?

No, this is excellent care provided at the best possible cost. 



Can I use my iCard membership for another member of my family?

Yes, but we encourage you to enroll each family member separately.  The more members we have, the more services we can add to serve you.



What if my insurance changes and my doctor does not participate in my plan?

The iCard will allow you to continue to receive affordable healthcare from your person physician even if they are not contracted with your insurance.




Why would you offer this program?

Our goals are to provide care the the lowest possible cost to cash-pay patients to lessen our dependency on the insurance industry and to serve the needs of our community.




What if I don't enroll and just say I am a member?

Why not enroll?  It is free and by enrolling, you will help us add even more services for your benefit.




What if I need a specialist?

Participating specialists have different fees; however, participating providers have agreed to charge our iCard members the lowest possible rates.




Can I use my iCard with my insurance?

The iCard is intended for patients who are uninsured or who choose a physician out of their insurance network.  If your physician has a contract with your insurance network, that physician is required to adhere to the insurance fee schedule and your iCard cannot be used.




What's the catch?

No catch.  No membership fee.  No obligation.  No one will bother you.  Our goal is to enhance access to healthcare, preserve patient relationships regardless of insurance, and to protect independent healthcare choices.

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