Everyday care. Big-event backup.

Unlimited doctor visits. Transparent pricing. No surprise bills.

Simple choices for people, teams, and public agencies — save thousands, eliminate surprise bills, and get predictable costs.

Unlimited direct primary care + cash benefits that pay you.

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How It Works

A simple, transparent approach to comprehensive healthcare coverage.

Unlimited Access

Enjoy same-day or next-day appointments, extended visits, telemedicine, and proactive preventive care.

Flat-Fee Simplicity

One transparent monthly price covers all your primary care. No copays, deductibles, or hidden costs.

Prescription Savings

Know the cost of medications before you even leave the doctor's office.

Digital Health Platform

Access our integrated platform with care assistant, booking, partner discounts, and real-time health tracking.

Financial Protection

Our hospital indemnity plan covers major expenses like ER visits, labs, surgeries, and cancer care.

Result: Abundant everyday care + a robust safety net for the unexpected.

Why CareGoRx

We built our model on three core pillars to provide truly integrated care.

Integrated. Transparent. Human.

Three Pillars. One Integrated System.

Everyday Care

Direct Primary Care, wholesale prescriptions, 24/7 telemedicine, and proactive mental health support.

Fixed Indemnity

Financial protection for hospital stays, emergency room visits, diagnostic labs, and critical treatments.

Catastrophic Protection

Additional coverage for severe accidents and critical illnesses, ensuring you're prepared for the worst-case scenario.

Choose Your Plan

Three simple options to fit your healthcare needs.

Essential Care

Care Access

Save thousands vs. traditional insurance

  • ✓ Unlimited doctor visits
  • ✓ Same-day appointments
  • ✓ Prescription savings
  • ✓ Telemedicine
Direct Primary Care only
No insurance benefits included
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Most Popular

Care Plus

Eliminate surprise medical bills

  • ✓ Everything in Access
  • ✓ Hospital coverage
  • ✓ Emergency protection
  • ✓ Cash benefits
Fixed Indemnity Benefits
$4,000/day inpatient • $175/day office • $300 ER/Urgent Care
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Full Care

Care Premier

Predictable healthcare costs

  • ✓ Everything in Plus
  • ✓ Higher benefits
  • ✓ Maximum protection
  • ✓ Premium coverage
Enhanced Fixed Indemnity
$6,000/day inpatient • $200/day office • $3,000 admission + surgery
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Result: Everyday care you use most is included; big-event costs are cushioned with fixed benefits.

All plans include unlimited direct primary care. Fixed-benefit and catastrophic protection that pay you cash directly for covered events — underwritten by ManhattanLife. See disclosures.

For Employers

  • Get better control over healthcare spending and reduce administrative burden while giving employees more choice and personalization with their health benefits.
  • Predictable flat monthly costs per employee.
  • Gain a powerful retention & recruitment edge.
  • Boost productivity with fewer missed work days.
  • Employee wellness app plus HR dashboards for health metrics, engagement tracking, and cost savings analytics.
  • Available through your benefits broker.

For Doctors

  • Dramatically reduced admin with no coding or claims.
  • Predictable, recurring subscription income.
  • Spend more time with patients and less on paperwork.
  • Grow your practice with a steady stream of new patients.
  • Leverage employer ROI reporting to attract & retain groups.
  • Integrated digital health platform with telemedicine and seamless care coordination.

In Plain Words

"Finally, healthcare that makes sense. With hospital indemnity protection and direct primary care, I get peace of mind, a real relationship with my doctor, and transparent costs I can trust. It's a game-changer."

Trusted by Industry Leaders in Essential Services

Automotive

Home Services

Quick Service

Public & Government

Frequently Asked Questions

Fixed indemnity insurance pays you a set cash amount for covered events (like hospital stays), regardless of medical bills. It's different from traditional insurance that pays providers directly.
No, CareGoRx can work alongside your existing insurance. The direct primary care and fixed indemnity benefits complement traditional coverage.
Most appointments are same-day or next-day. You can also use telemedicine for immediate care from anywhere.
For emergencies, go to the nearest ER. Your fixed indemnity benefits will pay you cash for covered emergency events, regardless of the hospital's network status.
Yes, the insurance benefits are underwritten by ManhattanLife Insurance and Annuity Company, a licensed insurance carrier. This is legitimate fixed-indemnity insurance that provides cash benefits for covered medical expenses. Fixed-indemnity insurance is a legitimate insurance product that has been upheld by federal courts and is federally recognized. When combined with direct primary care and catastrophic protection, these plans provide comprehensive coverage that addresses both routine healthcare and major medical events, giving you complete healthcare coverage that covers both everyday care and unexpected medical costs. See full disclosures.