Direct Primary Care/Health Share

Due to the ever-rising cost of health insurance premiums, finding alternatives to traditional health insurance, including participation in healthcare sharing programs, has dramatically increased. Typically, healthcare sharing programs operate outside of traditional health insurance, allowing them to operate at a cost that is substantially less than traditional health insurance. Savings compared to traditional plans, can be as much as 60% less.

Take a few minutes to check out the various options to provide coverage,
based on your need and your budget.


The Smart Choice Plan™ program has been created to provide an affordable alternative to typical expensive major medical health plans. The need for healthcare is always there. Your ability to afford it, is not.  Smart Choice Plan™ provides three different levels of coverage, Blue, Gold and Platinum.

Smart Choice Plan™ - Blue Level

(Direct Primary Care)

Smart Choice Plan™ members with the Blue Level have direct access to planned care, Telehealth, chronic disease management and discounts on drugs, lab tests and x-rays for everyone ages 2 to 65.  Provides personalized treatment and care.

Smart Choice Plan™ - Gold Level

(Hospitalization and Out-Patient Surgery)

Gold Level provides hospitalization and out-patient surgery coverage, along with other benefits, through a healthshare plan.  Allows individual to pick the most cost-effective coverage for hospital and surgical amounts, as well as access to physicians 24/7 via Telemedicine.

Smart Choice Plan™ - Platinum

(Combines Blue and Gold Levels)

The Platinum Level provides the best of both worlds…..Direct Primary Care AND Hospitalization with Out-Patient Surgery Benefits. This level not only provides affordable unlimited virtual doctor office visits with no co-payments, but also hospitalization and out-patient surgery benefits, and many other benefits…ALL in one low price.

Smart Choice Plan™ - Blue Level

(Direct Primary Care provided through Akos)

Why do I need a Direct Primary Care plan?

Although there are many reasons why someone uses a Direct Primary Care plan, the most common reasons are:  People are without any healthcare coverage, has an HSA plan or high-deductible healthplan (both of which the individual has to pay 100% of doctor office visits, drug, x-rays, etc.), prefer to have a dedicated relationship with same physician at an affordable rate, tired of paying high co-payments or full costs of doctor office visits.  Great for students and coverage is nationwide.

Unlimited Direct Primary Care

  • Unlimited virtual consults with your provider $0 copay, no deductible 
  • Unlimited 24/7/365 virtual sick and urgent care visits 
  • Dedicated 1:1 primary care provider 
  • Prescription and refills to pharmacy of choice 
  • Dedicated 1:1 care navigator to make sure you get the right care, at the right time at the most appropriate location and at the fair price
  • Provides greater healthcare than standard telemedicine

Member Discounts

  • Prescription discounts up to 65%
  • MRI and imaging discounts up to 70%
  • Lab discounts up to 70%

Chronic Disease Management

Management of chronic disease, including programs to help you get the care that you need while minimizing out-of-pocket costs. Acceptance of all pre-existing conditions. By allowing our physicians tor treat chronic diseases, we reduce the demand for specialist visits. Covered chronic diseases include, but not limited to: Anxiety, Arthritis, Asthma, Blood Pressure, CHF, COPD, Depression, Diabetes, Fibromyalgia, GERD, Gout, Hypertension, and Thyroid.

Unlimited Telehealth

  • Unlimited, 24/7 access to board-certified physicians via telehealth
  • No co-payments

Direct Primary Care, is a new model for delivering primary healthcare, and its simplicity is its genius.  DPC members receive an all-access pass to a dedicated doctor through virtual office visits, phone calls, text messaging and even video calls – with a $0 copay and no deductible!  Physicians are accessible 24/7/365. 

You could see a doctor in person, but who wants the hassle.  It’s the 21st century, so we give you the tools to reach us from your home, your car, the office, the store, or even out on the beach during your relaxing vacation.  The goal of Direct Primary Care is to make it simple and affordable to get the help you need whenever and wherever you need it, day or night.

A concierge doctor can refer you to specialists as necessary, refill a prescription, or help you manage a chronic condition.  The care provided through a DPC plan allows for a more hands-on approach as compared to a standard telemedicine plan.  The DPC physician is able to prescribe pain medicine, and prescriptions for more chronic conditions which a telemedicine plan cannot.  A dedicated Care Navigator will help you through the other parts of the healthcare system, should the need arise – making sure you always get the right care, at the right time and place and fair price.  DPC isn’t a replacement for insurance or a medical cost sharing membership that covers catastrophic events.  It works with your health insurance plan or medical cost sharing membership to make it even better!  

Sounds simple enough, but can I really get quality care through a virtual consult?

Yes. Having an ongoing relationship with a primary care provider is the best way to keep you and your loved ones healthy and minimize your out-of-pocket costs. Leveraging technology, like chat, video and secure messaging to facilitate this relationship makes receiving care convenient and easy. Your dedicated care team will help you receive the right care, without the hassle of having to visit an office. In-fact about 80-90% of the medical needs of members can be addressed and resolved through a virtual visit. When the need does arise for in-office services, your care navigator will refer you to high-quality services in your area at a discounted rate.


(For MRI and Imaging, and Lab Discount brochures, please scroll down below the Platinum Level)

Smart Choice Plan™ - Gold Level

(Hospitalization and Out-Patient Surgery)

(Administered through Zion Health)

The Gold Level provides coverage for hospitalization and out-patient surgery benefits, along with other medical expenses through a healthshare plan.


The Initial Unsharable Amount (IUA) for each member’s medical need is the responsibility of member, like a deductible.  All qualified medical expenses after IUA is met are shareable with the Zion Health community at 100% and without an annual or lifetime limit.


For each medical need, the community shares in medical expenses after the initial unshareable amount (IUA) is met.  This amount paid by the member does not need to be paid again until you are symptom free for 12 months.


The Initial Unsharable Amount (IUA) is better for members than a deductible when a large medical need comes up.  Often care for a sickness or injury is not limited to a single calendar year.  Members generally save by having an IUA.

All members will receive a benefits card which may be presented to medical provider at time of service so you don’t have to worry about filing any claims yourself.  Any hospital or surgical center may be used.  Most claims are paid to provider within 5 working days!   


  • Health Share Program vs Insurance
  • Initial Unshareable Amount (IUA) vs  Deductible
  • Visit Fee vs Co-pay
  • Eligible for Sharing vs Covered
  • Monthly Contributions vs Premiums
  • Medical Needs Fee vs Claims
  • Shared Services vs Benefits

NOTE:  If you are on COBRA currently, or other coverage, and wish to obtain new coverage, do not cancel coverage until you have been fully accepted.  The reason for this is that you, and anyone you wish to have covered, will need to medically qualify for the plan from and underwriting standpoint.  In other words, if you have a major health issue, stay where you are.

Also Includes:

Telemedicine.  Access to physicians 24/7 via telephone with no co-payments.  

MRI/CT Scans and Imaging discounts.  Up to 70% savings.

Lab Test discounts.  Up to 70% savings.

Prescription discount card for up to 80% savings.  Visit to check out drug pricing and participating pharmacies.

Couple’s Counseling.  Allows couples to go through interactive technology to assist in growing and strengthening the relationship.

Smart Choice Plan™ - Platinum Level

(Combines Blue and Gold Levels)

The Platinum Level provides the best of both worlds…..Direct Primary Care AND Hospitalization with Out-Patient Surgery Benefits.

The Smart Choice Plan™ – Platinum Level, not only provides unlimited virtual doctor visits with no co-payments, but also hospitalization and out-patient surgery benefits…ALL in one low price.

In addition to all the Blue Level virtual visits and Telemedicine, the following benefits are also included:

  • Lab Discounts
  • MRI/CT Scans and Imaging Discounts
  • Prescription Discounts
  • Couple’s Counseling

Rather than paying for massive coverage, thus making it unaffordable, this program provides an avenue to access  affordable coverage, in the event of a catastrophic event.

Medical bills are the number one reason for bankruptcies. Healthshare plan allows unlimited benefit coverage at rates substantially lower than traditional health insurance plans.

Please refer to Gold Level description of Pre-Existing Conditions before participating in Healthshare.

Smart Choice Plan™, Gold or Platinum Level, pays up to $50,000, or $75,000 per year, per covered person, with a $500,000 or $750,000 lifetime maximum.

Call 888-536-5585 today to speak with a representative who can provide a comparison quote.

NOTE:  None of the benefits in the Smart Choice Plan™ are insurance products.