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Nudge Health DPC plans

What is a DPC model?

Direct Primary Care (DPC) is a healthcare model where patients pay a monthly or annual membership fee directly to their physician or clinic instead of using traditional health insurance. 

  •  Covers a range of primary care services like consultations, preventive care, lab tests, and some procedures, with no copays or deductibles.
  • Shorter wait times, same-day or next-day appointments, and direct communication with your physician through phone or text.
  • Longer and more frequent appointments, allowing doctors to provide personalized, attentive care.
  • Transparent pricing - patients pay a flat, predictable fee that covers most primary care services, eliminating surprise bills 

What is Preventative Care?

Preventative care includes routine health services designed to prevent illnesses or detect health issues early. Focuses on screenings, vaccinations, regular check-ups, and lifestyle counseling to reduce the risk of chronic conditions. 

What is Integrative and Lifestyle Medicine Health?

Integrative and Lifestyle Medicine focuses on treating the whole person by combining conventional medicine with evidence-based complementary therapies. It emphasizes prevention, the promotion of health, and the management of chronic conditions through personalized care.

Key Aspects:

  1. Holistic Approach: Treats the mind, body, and spirit, considering all factors that influence health, such as physical, emotional, social, and environmental aspects.
  2. Lifestyle Interventions: Focuses on healthy lifestyle choices, including diet, exercise, stress management, sleep, and relationships, to prevent and manage diseases.
  3. Personalized Care: Treatments are tailored to each individual's needs, often integrating traditional medical practices with alternative therapies like acupuncture, herbal treatments, and mindfulness.
  4. Chronic Disease Management: Emphasizes addressing root causes of chronic diseases such as heart disease, diabetes, and obesity, rather than just symptom management.

By combining the best of both conventional and complementary medicine, integrative and lifestyle medicine aims to improve overall health, prevent disease, and enhance well-being.

Nudge Health Indemnity plans

What is an Indemnity Plan?

An indemnity plan is a flexible health insurance option that provides cash reimbursements for specific medical services, such as hospital stays, specialist visits, or emergency care. 

  • Unlike traditional insurance, it doesn’t restrict you to a provider network and offers set cash benefits, which can be used directly toward medical bills or other expenses. 
  • Ideal for supplementing existing health coverage by offering financial support for unexpected or additional healthcare costs.

How does the Indemnity Plan work?

Indemnity plans offer an extra layer of financial security by reimbursing you for specific healthcare costs, such as hospital stays, surgeries, and specialist visits. For example, if you face an unexpected hospital admission, the cash benefit from an indemnity plan can cover hospital bills directly or help with related expenses like medication, recovery supplies, or transportation costs.

How is the Indemnity plan better than standard insurance?

Traditional health insurance often has limitations, such as high deductibles or limited coverage for certain treatments. An indemnity plan fills these gaps by providing coverage for services that might otherwise lead to large out-of-pocket expenses. If your primary insurance only covers a portion of a specialist visit or emergency care, an indemnity plan can provide the financial backing to cover the remaining balance, ensuring you’re not left paying out of pocket for crucial healthcare services.

Is the Indemnity Plan flexible?

Yes, the Indemnity plan allows you to choose the types of healthcare coverage that best meets your unique needs. The plan enables you to pay only for the coverage you’ll actually use, rather than a one-size-fits-all plan, giving you greater financial control and helping you avoid unnecessary costs.

  • You can select specific options, such as emergency room visits, hospitalization, or specialty care, based on your lifestyle and anticipated healthcare needs. 
  • Doesn't restrict you to a network of providers, giving you the freedom to choose any doctor, hospital, or specialist that suits your needs. 
  • Valuable if you require out-of-network care or prefer certain healthcare providers who may not be covered by traditional insurance. 

How do cash benefits work with the Indemnity plan?

Indemnity plans provide set cash benefits for each covered service, giving you a clear understanding of how much support you’ll receive for various medical events. This upfront clarity lets you budget your healthcare costs with greater confidence and avoid unexpected bills. For instance, if you know how much an indemnity plan will cover for an emergency room visit, you can plan ahead and manage costs more effectively, reducing financial uncertainty.

Does the Indemnity plan offer coverage with specialists?

Yes, Indemnity plans offer targeted financial coverage for unexpected healthcare needs, such as emergency room visits or referrals to specialists, ensuring you’re financially prepared when sudden medical events occur. This support provides peace of mind, knowing that if an emergency or unforeseen diagnosis arises, you’ll have the financial resources to cover necessary treatments and consultations with specialists, which can be costly under traditional insurance.

Nudge Health Life Insurance Plans

What is a Life Insurance?

Life insurance is a financial product that provides a lump sum payment to beneficiaries upon the death of the insured person. It is designed to help provide financial security for the policyholder's loved ones, covering expenses such as funeral costs, outstanding debts, and living expenses.

What Key Types of Life Insurance?

  • Term Life Insurance: Provides coverage for a specific period (e.g., 10, 20, or 30 years). If the policyholder passes away during this term, the beneficiaries receive a death benefit. It is typically more affordable but does not build cash value.
  • Whole Life Insurance: A permanent life insurance policy that provides coverage for the policyholder’s entire life. It includes a death benefit and builds cash value over time, which can be borrowed against or withdrawn.
  • Universal Life Insurance: A flexible, permanent life insurance policy that combines life coverage with an investment savings element. Policyholders can adjust premiums and death benefits within certain limits.
  • Variable Life Insurance: A permanent life insurance policy that allows policyholders to invest the cash value in various investment options, such as stocks or bonds, giving the potential for higher returns but with more risk.

What is the Purpose of Life Insurance?

  • Income Replacement: Ensures that loved ones maintain financial stability after the policyholder’s death.
  • Debt and Expense Coverage: Can help cover outstanding debts like mortgages, student loans, and credit cards.
  • Legacy Planning: Can be part of estate planning to leave money for beneficiaries or charitable organizations.

Life insurance provides peace of mind, knowing that financial support is available for you and your family.

Frequently Asked Questions

Please reach us at contact@mynudgehealth.com if you cannot find an answer to your question.

DPC membership includes, at no extra cost:

  • Extended, relaxed visits with your doctor: Each appointment allows time for thorough discussions, ensuring every one of your questions is addressed. Our approach emphasizes the cultivation of a personalized healthcare relationship!
  • Same Day or Next Day Appointments for Urgent Needs: Because of the administrative burdens DPC removes, we have more time to spend with patients. You are the primary focus.
    Unlimited in-office and telehealth (video, email, text) access to your provider: Your communication preferences are accommodated to the fullest extent, and we are always here to answer questions.
  • Care navigation: Your DPC and Nudge Health will work with you to ensure that any additional medical needs—from labs to imaging to specialist visits—are scheduled seamlessly and in a way that meets your cost and insurance preferences.
  • An annual physical: This exam will be tailored to your individual medical requirements, centered on achieving your wellness objectives.
    Basic blood panel, pap smear, and EKG: Included for no extra charge with your annual physical is a basic metabolic blood panel, pap smear, and EKG test. All of these procedures are conducted in the comfort of our office.
  • Exclusive discounts on additional diagnostics and immunizations: For the lab and diagnostic services not included in your membership (flu and COVID vaccines, complex labs, ultrasounds, x-rays), we have secured discounted, cash pricing exclusive to our practice and patients.


Dentists affiliated with Nudge Health DPC modeled care are paid a monthly subscription fee that includes two comprehensive evaluation, two x-rays (one panoramic x-ray and one FMX a set of full mouth x-rays), and two cleanings (either two prophylaxis, or one full mouth debridement and one prophylaxis) per year at zero additional cost. Any other procedures would be out of pocket fee for service at a negotiated rate equal to Delta Dental of Illinois 2024 in-network fee schedule. This resulting in less costly prices for procedures and transparent prices for you that result in less overall cost to a treatment plan by dentist than if you had dental insurance, including deductibles and copays based on a $1,500-$2,000 maximum benefit amount. 


Full access to psychiatric and mental services care that include in-person and telehealth consultation. 


Yes, we work directly with a Pharmacy Benefits Manager (PBM) to source medications at the best price for our patients at no additional cost. Soon, there will be a pharmacy DPC option as well, where you will have access to transparent drug pricing that stays fixed and at cost to the pharmacist throughout the year with a reimbursement from the insurance plans or HealthShare options you add to your coverage. 


 

Our pediatric care program is dedicated to supporting children’s health, growth, and happiness at every stage of development. From routine check-ups and developmental screenings to nutrition and behavioral support, our program is designed to help children thrive, ensuring a healthy, joyful childhood in a caring environment.


By bypassing insurance billing, DPC modeled wellness plans allow doctors to spend less time on paperwork and more time focused on patient care, enhancing the quality and attentiveness of each visit.


At Nudge Health we partnered up with GoodBill at no extra cost to our clients to help contain the cost of hospital and urgent care bills. 

GoodBill is a healthcare startup focused on helping patients lower their hospital bills by auditing charges for errors, identifying pricing discrepancies, and negotiating with hospitals on their behalf. Their services leverage new regulations, such as the Hospital Price Transparency Rule, which requires hospitals to disclose service rates, to ensure that patients are billed fairly. Users simply upload their billing information, and GoodBill’s software and medical experts review it for potential savings, which they then negotiate with the hospital.

The company’s mission is to simplify and demystify the billing process in a healthcare system that often lacks transparency, offering patients data-driven tools and support to lower healthcare expenses​.


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