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Tired of high premiums and steep deductibles?

  • Immediate savings on a wide range of medical services, including doctor visits, dental care, vision exams, and prescriptions, all for a low monthly fee.
  • Unlike insurance, these plans provide you with upfront discounts—meaning you can budget more effectively without worrying about hidden costs.
  • Employers and individuals save thousands annually.
  • Perfect for individuals and families seeking flexibility and affordability or those that want to reduce high premiums and deductibles.
About Vativis 

Traditional insurance vs Vativis plans

Services Provided

Vativis

Discount plan. Not insurance. No limitation or cap on visits.

EPO

Won't cover out-of-network care except in emergencies. Deductibles and caps on visits.

PPO

Broader network. High out-of-pocket costs. Deductibles and caps on visits.

Telemedicine (standalone)

  1. $0 for 3 visits per family member per condition
  2. 24/7/365 access any state
  1. Typically requires a copayment (around $30-60 per visit)
  2. May limit access if out of state
  1. $10-50 copay per visit
  2. May have limits on visits and if out of state

Rx Prescriptions

  1. 800 free generic medications
  2. 80% off generic
  3. 15-25% off brands
  4. International mail and PAP available
  1. Coverage varies on drug and pharmacy
  2. Usually needs a deductible
  3. May have exclusions and has exclusions
  1. Lower copay for generics
  2. Higher for brand-name and has exclusions

Mental Health/ Wellness and Coaching

  1. Requires prior authorization
  2. Copay $30-50
  1. Usually covers numerous sessions
  2. Higher out-of-pocket costs for out-of-network
  1. Usually covers numerous sessions
  2. Higher out-of-pocket costs for out-of-network

Primary Care

  1. $25-40 copay for in-network; $50-100 for urgent.
  2. Referrals needed for specialists and visits are limited
  1. $20-60 copay
  2. No referrals needed but higher costs for out-of-network and visits are limited
  1. $20-60 copay
  2. No referrals needed but higher costs for out-of-network and visits are limited

Lab Services

  1. Covered at variable rates; copay may app
  1. Typically covered with copay and deductible
  1. $20-60 copay
  2. No referrals needed but higher costs for out-of-network and visits are limited

Hospital Savings

  1. Custom negotiation through experts. Always the lowest price for in or out of network
  1. Savings only on in-network providers limiting choices
  1. Includes out of network choices at a higher cost