Choosing a healthcare plan or investing in a wellness program is a big decision. With open enrollment for ACA (Affordable Care Act) plans and a plethora of wellness services out there, you might be wondering where (or if) Mobile Care Health’s Longevity Telehealth Plans fit into your picture. Is this innovative, insurance-free membership the right choice for you and your family? Let’s break it down in plain language. This guide is for two groups of readers:

1) ACA shoppers sifting through health insurance options, and

2) Proactive “wellness investors” who are willing to spend on health and longevity. We’ll compare costs and value, highlight who benefits most, and clarify how Longevity Telehealth complements (but doesn’t replace) traditional insurance. By the end, you should have a clearer idea if this approach aligns with your budget, needs, and health goals.

Understanding the Longevity Telehealth Value Proposition

First, a quick recap: Longevity Telehealth Plans are monthly membership plans (not insurance) that provide virtually unlimited primary and preventive care via telehealth, plus wellness extras like coaching, labs, and health devices. The plans – named Stability, Peak, and Elite – range from about $350 to $650 per month. In return, you get direct access to a provider team anytime, routine and advanced lab tests, at-home monitoring gadgets, and ongoing support for your health goals (weight loss, fitness, chronic disease management, anti-aging – whatever you need). Think of it as a concierge doctor + wellness coach in your pocket.

Now, $350–$650/month is a significant expense – no sugarcoating that. But let’s put it in context:

  • Typical ACA Plan Costs: If you buy your own health insurance, you know premiums can be hefty. In 2025, the average benchmark Silver plan premium (for a 40-year-old nonsmoker) was about $500 per month before subsidies. Bronze plans might be a bit less (often $300–$400/month), but they come with very high deductibles—often around $7,000 for an individual. That means you might pay $400 every month and still pay out-of-pocket for most medical services until you hit $7k in spending. If you’re healthy and mainly need preventive care, you could end up paying a lot and using very little of that insurance (aside from maybe a free annual physical).
  • High-Deductible Plans (HDP) and Out-of-Pocket Costs: Many ACA shoppers (especially those without big subsidies or those who are relatively healthy) opt for high-deductible health plans to lower premiums. But as mentioned, that shifts the cost to when you actually use care. An office visit could be $150, a specialist $300, labs a few hundred – all coming out of your pocket until the deductible is met. It’s no wonder that nearly half of insured Americans with high deductibles say they’ve skipped or delayed care due to cost concerns. Insurance might protect you from catastrophic bills, but day-to-day, it can feel like you’re essentially uninsured because everything is out-of-pocket.

Longevity Telehealth flips that model on its head. Instead of paying a premium for “just-in-case” coverage that you may hardly use, you pay a membership fee for care and services you will use right now. Your $350–$650/month directly delivers value: consultations, labs, personalized advice, health-monitoring tools, etc. There’s no deductible to hit first – your benefits kick in immediately. Your membership may count towards your deductible, allowing you to cover half or more of a HDP. You also won’t get hit with surprise bills because it’s a flat fee. In a sense, it’s like re-allocating the money you’d spend on insurance and using it to invest in keeping yourself healthy.

For ACA shoppers, one strategy is to pair a Longevity Plan with a low-cost catastrophic or Bronze insurance plan. That way, you have insurance as true disaster protection (say, hospitalization or surgery coverage) but rely on the Longevity membership for 90% of your actual healthcare needs (primary care, medication management, routine tests, urgent calls, etc.). This combo can be powerful. Your overall spending might be similar to buying a mid-tier insurance plan alone, but you’d be getting way more day-to-day care for it. Mobile Care Health actually describes itself as the perfect complement to a high-deductible plan – insurance covers the big stuff, we cover the routine stuff that keeps you out of the hospital.

For wellness enthusiasts or “investors”, the Longevity Plans offer something that standard insurance simply doesn’t: a proactive, comprehensive approach to optimizing health and longevity. If you’re someone who cares about biohacking, anti-aging therapies, advanced diagnostics, etc., you know those services are rarely covered by insurance. Our Elite Plan, for example, includes cutting-edge testing like metabolomic analysis and microbiome testing to personalize your nutrition and wellness plan. It also offers extended 30-minute consultations and multiple coaching sessions per year – things focused on improving your health, not just treating illness. As a wellness investor, you’re essentially paying for a knowledgeable medical partner to guide your healthy lifestyle and catch issues early. The value proposition here is in outcomes: avoiding diseases, feeling your best, and potentially extending your healthy lifespan. Seen that way, many find the cost a worthy investment in themselves.

What Do You Get? Breaking Down the Benefits

It’s important to know exactly what you’re paying for with a Longevity Telehealth membership. Here’s a rundown of major features included, especially as you go up to Peak and Elite tiers:

  • Unlimited or Ample Telehealth Visits: You can text/call your provider anytime and schedule telehealth visits (the plans include a set number of urgent calls – e.g., 4/year in Stability, 6 in Peak, 8 in Elite – but general wellness consults can be done regularly as needed). Essentially, if you have a health question or need a check-in, you can reach your provider without worrying about a fee per visit.
  • Annual Wellness Exam: A thorough telehealth annual check-up is included, where labs are reviewed, medications optimized, and a preventive plan made.
  • Routine Lab Work: Each plan covers annual basic labs (biometric screening panel – things like cholesterol, blood sugar, kidney/liver function, etc.) as well as additional tests. For instance, all plans include an advanced lipid panel and insulin resistance test annually. Peak and Elite add even more: Elite includes bi-annual (twice yearly) screenings, plus specialized tests like metabolomic and microbiome analysis. These tests can easily cost hundreds of dollars out-of-pocket if you ordered them yourself; in the membership, they’re part of the package.
  • Health Devices: As detailed in our Tech-Enabled Wellness post, you receive Withings smart devices – a scale and blood pressure cuff (all plans), plus a sleep tracker mat (Peak and Elite). These come at no extra charge and are yours to keep. They integrate with your care plan to provide ongoing data.
  • Health Coaching: Rather than just telling you what to do, we help you do it. Stability includes a couple of 30-minute coaching calls per year (with a nutritionist or health coach) to set goals and keep you accountable. Peak provides 3 per year, Elite provides 4. Between those calls and messaging, you have guidance for lifestyle changes – whether it’s losing weight, improving sleep, managing stress, or training for a marathon.
  • Chronic Condition Management: If you have a condition like diabetes, hypertension, thyroid issues, etc., the team will manage it via telehealth – ordering necessary labs, adjusting medications, follow-ups – in partnership with you. Same goes for mental health support or hormone therapy or other ongoing needs. Many patients in these plans appreciate avoiding separate specialist co-pays and instead handling a lot with their telehealth provider who knows their whole story.
  • Quick Sick Care: Life happens – sinus infections, rashes, minor injuries. With Longevity Telehealth, you jump on a telehealth call and get treatment or a prescription usually the same day. No need to visit urgent care (saving you time and money). Each plan includes a certain number of acute sick visits at no extra cost. And if you somehow exceed that, additional telehealth visits are available at a reasonable flat rate.

In short, Longevity Telehealth is like having a membership to an all-you-can-use primary care and wellness center, available virtually 24/7. It covers the vast majority of healthcare needs for most reasonably healthy individuals. What it doesn’t cover are things like surgeries, specialist procedures, ER visits, hospital stays – again, it’s not insurance. But many of those big-ticket items can be avoided or minimized with good primary care. By keeping you healthier day to day, the plan indirectly helps you sidestep some major costs. (For example, catching uncontrolled blood pressure and managing it could prevent a hospitalization for stroke. Or managing your weight and glucose could stave off type 2 diabetes.)

Who Stands to Benefit the Most?

Longevity Telehealth isn’t one-size-fits-all. Here are some scenarios where it tends to be a great fit:

  • ACA shoppers with high premiums or deductibles: If you’re looking at an ACA plan that costs, say, $600/month with a $5,000 deductible, you might be better off with a cheaper insurance plan + Longevity membership. Particularly if you’re relatively young or don’t anticipate large medical bills, why not use that money for care you will definitely get? You’ll still want at least a bare-bones insurance for emergencies, but you can choose a higher deductible (lower premium) plan since the telehealth service will handle your routine needs. This can save money and result in better care. As our earlier discussion noted, uninsured or high-deductible patients often skip care due to costs, which leads to worse outcomes. Longevity Telehealth ensures you never have to skip the care – you’ve essentially prepaid for it, so please use it!
  • Those managing chronic conditions or multiple health concerns: If you find yourself going to the doctor often – maybe you have asthma, anxiety, and high cholesterol and it feels like you’re always making appointments – a membership could simplify and reduce costs. Instead of paying co-pays or encountering insurance hurdles for each issue, you have one team handling it all in a coordinated way. You might also save on medications or labs by using our guidance to find affordable options (the care team helps with those things too).
  • Health enthusiasts and preventive care seekers: Perhaps you’re someone without any diagnosed illness, and you’d like to keep it that way. You value regular check-ups, detailed blood work, and optimizing your diet, fitness, and supplements for longevity. The Elite Plan was practically made for you. It offers the kind of comprehensive, proactive health monitoring that normally only executives or celebrities get via boutique medicine. If you’re already spending money on things like personal trainers, nutrition programs, or executive physicals, the Longevity plan consolidates a lot under one umbrella with medical oversight.
  • Busy professionals or parents: If time is your scarcest resource, telehealth can be a godsend. Think about the hassle of taking time off work, driving to a clinic, sitting in a waiting room – for something that could be handled in a 15-minute phone call. Longevity Telehealth lets you access care conveniently from home or office. Quick text to your provider about your child’s rash? A video consult during your lunch break about your migraine? Done and done. The efficiency and peace of mind are huge, especially when you don’t have to agonize over what it will cost each time.
  • Those in coverage gaps or transitions: If you’re between jobs, just started a new business, or aged out of your parents’ insurance, you might face a period uninsured or on COBRA (which is notoriously expensive). A Longevity Plan can fill that gap and ensure you have consistent care. Even if it’s temporary for you until your new insurance kicks in, it can prevent lapses in medication refills or neglect of any health issue during the transition.

On the other hand, who might not be the best fit? If you qualify for Medicaid or very low-cost insurance (due to income level), those programs might cover your basic needs with minimal cost to you, and a Longevity membership could be redundant. Similarly, if you have a complex medical condition that requires frequent in-person specialist visits, surgeries, or hospital care, you will definitely need robust insurance – the telehealth plan alone wouldn’t suffice (though it could still be a nice adjunct for extra support). Also, if you simply prefer in-person doctor visits and are not comfortable with technology, a primarily virtual service might not meet your preferences. We do have physical options for urgent care in some locations (like Denver), but the core of Longevity is telehealth-focused.

Not a Complete Insurance Replacement – and That’s Okay

Let’s emphasize this clearly: Longevity Telehealth Plans are not health insurance. They do not cover hospital bills, specialist procedures, or catastrophic events. We always advise members to have some form of backup insurance for rare but costly scenarios (think car accidents, appendicitis, etc.). Many members carry a high-deductible health plan alongside their Longevity membership. Some are even self-insured (willing to pay cash for emergencies or using health-sharing programs). The combination of a Longevity Plan plus an insurance plan can actually be the best of both worlds: insurance gives you financial protection for big events, and Longevity gives you the day-to-day care that insurance often doesn’t pay for anyway.

If you do choose to forgo insurance entirely (not something we specifically endorse, but some folks do), be aware of the risks. We will provide exceptional primary care and keep you as healthy as possible, but life is unpredictable. An unexpected surgery or hospitalization can be financially devastating without any coverage. One approach some take is to budget separately for potential emergencies (like a personal emergency fund). Another approach is short-term medical plans or critical illness insurance to cover specific events. The bottom line: Longevity Telehealth is a supplement to the healthcare system, not a 100% replacement for insurance. We want our patients to understand that clearly. Our role is to keep you out of the hospital and thriving, but we sleep better at night knowing you have something in place “just in case,” too.

The ROI of Investing in Your Health

People often ask, “Is it really worth the money?” That’s a very personal question. But consider what “worth it” means. There’s the financial ROI – for instance, by avoiding a couple of urgent care visits and a handful of copays a year, you might offset a good chunk of the membership cost. Or by catching a serious issue early (like discovering highly elevated glucose before it becomes diabetes), you might save thousands in future medical expenses. Beyond the dollars, there’s the quality of life ROI. How much is it worth to you to have more energy, better sleep, or peace of mind about your health? What’s the value of a relationship with a provider who actually knows you and cares, versus feeling like a number in the insurance mill?

Some evidence from the world of preventive health shows strong returns. Workplace wellness programs, for example, have shown that every $1 spent on wellness yields about $3.27 in medical cost savings on average. While that’s in an employer context, it highlights that money invested in prevention pays back in avoided treatment costs. On a more individual level: preventing one ER visit (which can easily run $1,500+ for something minor) would justify several months of membership fees. Avoiding a hospitalization could justify years’ worth. And those are just the measurable dollars. Avoiding the stress, time, and pain of health crises is “priceless,” as the saying goes.

For wellness aficionados, it’s like any investment – you put resources in to yield a benefit later. You invest in a gym to maintain fitness, you invest in organic food to nourish your body… investing in a Longevity Telehealth Plan is investing in professional guidance and medical-grade tools to maximize your healthspan. It’s a commitment device; by subscribing, you’re committing to prioritize your health. Sometimes that commitment alone spurs people to make positive changes they’ve been putting off.

Making the Decision

If you’ve read this far, you’re seriously weighing the options. Here are a few final prompts to consider in deciding if Longevity Telehealth is right for you:

  • Do you find traditional insurance-based healthcare falling short for your needs? (e.g., long waits, rushed visits, things you wish your doctor would do but insurance won’t cover)
  • Are you comfortable with or even excited by telehealth and modern health tech? (If yes, you’ll likely love this model. If no, that’s a factor to acknowledge.)
  • Does the budget align? (Can you afford the monthly fee comfortably, and do you see clear trade-offs in your spending that make it worthwhile? Perhaps it means fewer dollars on urgent care or fewer sick days at work.)
  • What are your health priorities this year and next? (If you have specific goals – losing 30 lbs, training for a triathlon, optimizing your cholesterol naturally, managing anxiety better – having a dedicated team might dramatically improve your odds of success.)
  • How important is personalized attention to you? (Some people don’t mind a impersonal healthcare experience as long as they get prescriptions; others deeply value having a provider who listens at length. Longevity plans cater to the latter.)

Finally, remember that you’re not locking yourself in forever. You can try a Longevity Plan for a year and see how it impacts your health and life. Many will find they never want to go back to the old way of healthcare. But if it’s not providing value, you aren’t obligated to continue. We’re confident, however, that the vast majority do see improvements – whether in health outcomes, or simply in stress reduction – once they have this level of support.

Still on the fence? Let’s talk it out. Mobile Care Health offers initial consultations to discuss your situation one-on-one. No hard sales pitch, just an honest assessment of whether our Stability, Peak, or Elite Plan could benefit you. We’ll answer all your questions and even help compare costs versus your current insurance or healthcare spending. Our goal is for you to make an informed choice that you feel great about.

Your health is your most important asset. How you care for it is a deeply personal decision. If you do choose to join the Longevity Telehealth family, know that we will be fully in your corner, committed to helping you live your healthiest, fullest life. Book a consultation today if you’re ready to explore this path further. Here’s to a future of health that is proactive, personalized, and centered on you!

 

Articles on this site are for general education and do not substitute for professional medical advice. Consult our providers for personalized recommendations