AccessPass FAQ — Frequently Asked Questions

Question 1

What is AccessPass?

Accepted Answer

AccessPass is a subscription-based health benefits program — not insurance. For a flat monthly fee, members receive guaranteed access to a defined set of healthcare services including telemedicine, generic prescriptions, lab work, and more depending on the plan. There are no deductibles, no claim denials, and no surprise bills.

Question 2

Is AccessPass health insurance?

Accepted Answer

No. AccessPass is not health insurance and does not satisfy any insurance mandate or requirement. It is a membership program that provides access to discounted and prepaid healthcare services through a network of trusted providers. It is designed to complement existing coverage or serve as an affordable alternative for those without insurance.

Question 3

Who is AccessPass designed for?

Accepted Answer

AccessPass is built for people who fall into the coverage gap — those who earn too much for Medicaid but can't afford traditional insurance premiums, self-employed individuals, part-time workers, gig economy workers, and anyone who wants predictable, affordable access to basic healthcare services.

Question 4

How is AccessPass different from a discount card?

Accepted Answer

Unlike a discount card that simply reduces the price you pay at the point of service, AccessPass provides prepaid benefits — meaning many services are covered at $0 copay up to the plan limits. You're not just getting a discount; you're getting guaranteed access to services you've already paid for through your monthly membership.

Question 5

What plans are available?

Accepted Answer

AccessPass offers three plans: Core ($25/month) includes 24/7 telemedicine and free generic prescriptions. Plus ($50/month) adds lab work and imaging at $0 copay (2 visits/year each). Premium ($75/month) includes everything in Plus, plus urgent care coverage, cash network discounts, and medical expense financing.

Question 6

Can I change my plan after enrolling?

Accepted Answer

Yes. You can upgrade or downgrade your plan at any time. Plan changes take effect on the 1st of the following month. If you upgrade, your new benefits become available immediately upon the effective date. Downgrades follow the same schedule.

Question 7

Are there any enrollment fees or setup costs?

Accepted Answer

No. There are no enrollment fees, setup costs, or hidden charges. You pay only your flat monthly membership fee. The first payment is due at enrollment and covers your first month of benefits.

Question 8

What does the asterisk (*) mean on lab and imaging benefits?

Accepted Answer

The asterisk on Labs* and Imaging* in the Plus and Premium plans indicates that these benefits are subject to a 3-month waiting period from your enrollment date. This means you must be an active member for 3 full months before these specific benefits become available. Telemedicine and prescription benefits are available from day one.

Question 9

What is a waiting period?

Accepted Answer

A waiting period is a set amount of time after enrollment before certain benefits become active. AccessPass uses waiting periods on select benefits (labs and imaging in Plus and Premium plans) to ensure the program remains sustainable and affordable for all members.

Question 10

Which benefits have a waiting period?

Accepted Answer

Only the lab work and imaging benefits in the Plus and Premium plans have a 3-month waiting period. All other benefits — including telemedicine, generic prescriptions, urgent care coverage, cash network discounts, and medical financing — are available from the 1st of the month following your enrollment, provided you enrolled by the 25th of the prior month.

Question 11

When does my coverage start?

Accepted Answer

If submitted by the 25th of the month, coverage begins on the 1st of the following month. For example, if you enroll on July 10th, your benefits are active starting August 1st. The 3-month waiting period for labs and imaging is counted from that coverage start date.

Question 12

How do I access telemedicine?

Accepted Answer

Once your coverage is active, you'll receive access instructions for our telemedicine partner, Clever Health. You can connect with a licensed provider 24/7 via phone or video for primary care and urgent care needs — no appointment required.

Question 13

How do I get my free generic prescriptions?

Accepted Answer

Generic prescription coverage is provided through SymphonyRx. After enrollment, you'll receive information on how to use your benefit at participating pharmacies. Most common generic medications are covered at $0 cost to you.

Question 14

How do I use the lab and imaging benefits?

Accepted Answer

Lab work is available through Quest Diagnostics and imaging through Green Imaging. After your 3-month waiting period, you can schedule appointments directly through these providers using your AccessPass membership information. Each plan year includes 2 covered lab visits and 2 covered imaging visits at $0 copay.

Question 15

What is the cash network discount?

Accepted Answer

Premium members have access to a network of healthcare providers who offer discounted cash-pay rates. This can significantly reduce the cost of services not covered by your plan, such as specialist visits or procedures. Discounts vary by provider and service.

Question 16

What is medical expense financing?

Accepted Answer

Premium members have access to Paytient, a medical expense financing tool that allows you to spread the cost of unexpected medical bills over time with no interest. This benefit is designed to help members manage larger healthcare expenses without financial stress.

Question 17

How do I cancel my membership?

Accepted Answer

You can cancel your AccessPass membership at any time by contacting our member support team. Cancellations take effect at the end of your current billing period — you will retain access to your benefits through the last day of the month you've paid for. There are no cancellation fees.

Question 18

Is there a contract or long-term commitment?

Accepted Answer

No. AccessPass is a month-to-month membership with no long-term contracts or commitments. You can cancel at any time without penalty.

Question 19

What happens to my benefits if I miss a payment?

Accepted Answer

If a payment is missed, your membership will be paused and benefits will be suspended until payment is received. If you re-enroll after a lapse, waiting periods may apply again to applicable benefits.

Question 20

Can I add family members to my plan?

Accepted Answer

Currently, AccessPass plans are individual memberships. Each family member would need their own enrollment. Please contact our team for information about household enrollment options.

Got questions? We've got answers.

About AccessPass

Plans & Pricing

Waiting Periods

Using Your Benefits

Membership & Cancellation

Still have questions?