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Frequently Asked Questions

Get the answers you need—fast. We’ve gathered the most frequently asked questions to keep you well-informed about our groundbreaking healthcare savings program.
How does this affect insurance?
Works with existing coverage, program covers provider and facility out of pockets costs/patient responsibilities (Co-pay/Deductible,Co-insurance etc)

The goal of this program is to simplify your out-of-pocket cost of seeking medical care by making the cost predictable and consistent.

This program works by assigning a one-time yearly fee that will be considered as paid in full for all assigned patient responsibility when using any of the services provided at any of our facilities over a 12-month period of being enrolled in the program.

Anyone with an active qualified commercial insurance, Medicare, veterans insurance, and Tricare will qualify for this program except for the following insurance types: catastrophic insurance, Medicaid, travelers insurance, and short term insurance not up to 1 year of coverage.
Your cost will be determined by the total IN-NETWORK annual out of pocket cost for your current insurance policy. Reach out to us and we can help you determine this if you’re not sure.
It covers all services provided in-house at our participating facilities/providers. We do not cover services from non participating providers or facilities if we can’t offer them in-house. For example, you may receive a bill from an external lab like Sonora Quest, and ambulance transfers to another facility.
No, there are no other fees.
Yes, at any of our participating facilities/providers.
Yes. Participating facilities and providers will bill your insurance for services provided. Any patient responsibility assigned by your insurance company will not be billed to you by participating facilities/providers.
It works in conjunction with your current plan. You must maintain an active qualifying insurance plan at all times during your subscription period.
Yes, this plan has no visit limits, ensuring subscribed patients can access medical care whenever needed without worrying about out-of-pocket expenses.
If you rarely use medical facilities, you’ll need to decide if this program suits you and your family. For subscribers, it offers peace of mind, ensuring access to quality care without the risk of significant financial burden from unexpected out of pocket costs.
No, the subscription program includes all conditions treatable by our participating providers and facilities.

You can request a consultation to speak with a Program Specialist on our team.

Once you sign up, you are committed to one year of services as long as the qualifying Health Insurance Policy remains active.
You must promptly update your new qualifying policy to stay eligible for the program. Your subscription fee may vary based on the new qualifying policy’s total annual out-of-pocket cost.
NO! This is an annual subscription program that seeks to simplify your out-of pocket cost of seeking medical care by making the cost predictable and consistent.

You can view a list of our participating facilities/providers by
clicking here.

Yes, if it is listed under our participating facilities/providers. For more information on the most recent list of participating facilities/ providers, please clicking here.

For questions, you can request a consultation with our team or email us at members@ihcsaz.com. One of our team members will get back to you within 24hrs.

You can choose to select Individual or Family subscription so long as they are covered under your qualifying subscription plan.
If your insurance changes mid-year, you must promptly update your new qualifying policy to stay eligible for the program. Your subscription fee may vary based on the new qualifying policy’s total annual out of-pocket cost.
You will be covered for whatever services our facilities/providers are able to provide in-house. This includes emergency services, imaging services (CT, X-ray, Ultrasound), lab services, and medication services.
  • Primary care/Urgent Care Services. This includes point of care tests we are able to provide in-house. 
  • Pediatric services 
  • Services that will be coming soon (hospital services to include: general in-patient services, MRI Services, CCTA, cardiology services, intervention radiology services).

Instinctive HealthPass offers two ways to pay:

  • Annual (paid upfront)

  • Monthly payments

Coverage is the same for both options; only the payment structure differs.

Instinctive HealthPass offers two ways to pay:

  • Annual (paid upfront)

  • Monthly payments

Coverage is the same for both options; only the payment structure differs.

The monthly payment option is calculated by dividing the standard annual cost into 12 equal payments. Each monthly payment covers coverage for that specific month only and does not apply to past balances or unpaid periods. If a payment is missed, coverage applies only to the months that were successfully paid for and resumes once payment is made. The annual option is best for those who want the lowest overall cost and the simplest billing experience, while the monthly option is ideal for those who prefer flexibility and paying as they go.
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Most Forms of Insurance Qualify

Concerned our program won’t work with your insurance? Rest easy—our participating clinics and ERs accept most major commercial insurance, including Medicare.
This means you can enjoy exceptional, in-network care and real savings without the worry.

One Fee. Endless Care.

If you’re a commercially or Medicare insured patient searching for cost-effective healthcare solutions, you’re in the right place. Reach out today to schedule your personalized consultation.

(480) 602-4014

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(480) 602-4014

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El Mirage Emergency Room

Fountain Hills Emergency Room & Medical Center

Fountain Hills Medical Center Urgent Care & Primary Care Clinic

Instinctive Health Central Phoenix ER & Hospital

Mercy Grace Pediatrics & Primary Care

Tempe Emergency Room

Instinctive Health Central Phoenix ER & Hospital

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