Crucial Care Plan FAQ

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The Crucial Care membership plan was designed to help individuals and families with high-deductible plans or no insurance get affordable care for major and minor health issues. Our plan creates easy access to quality care at an affordable rate – regardless of your health insurance coverage. No surprise bills, lengthy waiting times, or disqualifications.  

Frequently Asked Questions

How does the Crucial Care Plan work?

The plan can be purchased by individuals or families. Members get access to all Crucial Care services for a low monthly rate and low copays 7 days a week. No appointments necessary. Members also get a free, annual physical.

Do I need to have insurance?

No. You do not need to have insurance to join the Crucial Care Plan and the Crucial Care Plan is NOT insurance. The Crucial Care plan is a medical access plan that allows you to access Crucial Care for a monthly price. However, it is always a good idea to have at least a “Catastrophic Care” insurance policy that protects you against significant medical costs you may incur in the event of a major illness or injury.

What if I have a high-deductible insurance plan?

The Crucial Care Plan may be a perfect fit for you. With a high-deductible plan, you may be spending the first $6,000-$10,000 of your healthcare costs out of pocket. If you use the Crucial Care plan appropriately, you may see significant savings by accessing Crucial Care’s services first, for a low monthly payment and low copays amount.

Will you bill my insurance?

We are not able to bill your insurance carrier for services provided under the Crucial Care Plan. Some insurance carriers allow you to submit your receipt and may apply the cost to your deductible.

What can be treated at Crucial Care?

We treat major (like an ER) and minor (like your primary care physician) illnesses. See our services and pricing page for more details. 

How are you different from a typical urgent care center or emergency room?

Crucial Care is a combination of urgent care and emergency services. We have more capabilities than an urgent care center including board-certified emergency providers, CT scan, x-ray, and a hospital-level onsite laboratory.

Like an ER, we can evaluate your symptoms, obtain lab results, and do a CT Scan while you are still present in the facility. We get all of your results immediately.

A hospital emergency room is very capable, but the wait usually long, and the cost is usually high. The Crucial Care Plan gives you access to all our capabilities without the high cost or long wait.

How much is the Crucial Care Plan?

Almost all our services provided are included with your monthly membership. There is a small additional fee per visit, as well as an additional charge for CT scans, spinal taps, and ultrasounds. Visit our services and pricing page to find out more.

What if I need a referral to a Specialist?

We are experts in coordinating care. If you need a referral to a specialist, we will help you get to the right specialist for you. In most cases, we will even make the appointment for you.

Can I manage my prescription with the Crucial Care Plan?

The providers at Crucial Care will provide prescriptions using their professional discretion, and only related to your need at the time of your visit. They will not provide long-term controlled prescriptions or prescriptions for chronic pain. Crucial Care providers have the responsibility to only prescribe appropriate prescriptions for you. 

How is this possible?

In early 2018, the Florida State Legislature approved HB 37, allowing healthcare providers to enter into direct payment agreements with patients.