FAQ & Member Support
The questions everyone asks.
Straight answers about how OffPlan Care works alongside real insurance — what it covers, what it does not, and how to keep yourself protected.
The Basics
Yes. Your membership is month to month. Cancel or pause from your member account, no phone tree and no fight.
OffPlan Care replaces the routine care you use day to day. It does not replace catastrophic coverage. We help you keep a real ACA plan underneath for the rare, expensive event, because that is the only thing that prevents medical bankruptcy.
Cost & Enrollment
Yes, when you pair OffPlan Care with an HSA-eligible Bronze or Catastrophic plan, you can pay your membership with pre-tax HSA dollars, up to $150 a month individual or $300 a month family. See the HSA page for the full picture.
Your OffPlan Care membership starts right away, any day of the year. A catastrophic plan can usually only be bought during open enrollment or within 60 days of a major life event. If you are outside both, we start your membership now and schedule your coverage for the next enrollment window so it actually happens.
No setup fee and no enrollment cost. You pay the membership, nothing more.
Emergency Plans
There are many insurance options available to help protect individuals in the event of unexpected accidents or major life events. A licensed agency partner can help determine which coverage options you may qualify for.
A licensed insurance agency partner places it with you at no extra cost. They are licensed in your market, and you are never charged for this help.
Supplemental Coverage
Yes, as an optional cushion. These hand you cash to help with a hospital stay or accident and can help absorb your deductible. They are placed by the same licensed agency partner. They are a supplement, not a substitute for a real catastrophic plan, and we will always make that distinction clear.
No, and we will always tell you so. Indemnity pays a fixed amount of cash and then stops. It does not cap your exposure in a serious illness. Only a real catastrophic plan does that.
Pediatric Care
Yes. Every child can see your family’s doctor at $75 a month, or you can add a dedicated pediatrician for any child. Children can be part of a Family plan or enroll on their own.
A family medicine doctor cares for your whole household, children included, at $75 a month per child. A dedicated pediatrician is a specialist focused only on children, available for any child at $145 a month under 6 and $120 a month from age 6 to 18. Many families are happy with the family doctor; the pediatrician is there if you want specialized pediatric care.
You pay for up to three children. Your fourth child and beyond are included at no additional charge.
Through age 18, as long as they live at your address and do not have their own full-time coverage through an employer.