You’re self-employed and raising a family—healthcare should be simple and affordable, not $800/month for a plan you barely use or afraid of using!
You work flexible jobs without benefits. You want care you can access anytime and a cost that’s predictable.
You’re between roles, taking a break, or just lost your job. You still need checkups, therapy, and peace of mind, without the COBRA sticker shock!
You have insurance through work, but avoid using it because of the sky-high deductible. You want affordable everyday care you can actually use.
When I bravely left my executive job at a publicly traded healthcare data company, I thought I knew everything about navigating the healthcare system. For over a decade, I had advised employers on how to design benefits, manage costs, and help employees make smarter healthcare choices.
But then, I became just another American trying to find coverage for myself and my five-year-old daughter—and I realized how broken the system really is.
I tried everything:
Pick a monthly membership that fits your needs and budget. Each tier includes a set number of credits you can use toward medical and wellness services—like doctor visits, therapy, or even massage and acupuncture.
Explore a growing list of healthcare and wellness professionals who offer transparent, upfront credit-based pricing. From primary care to holistic wellness, you choose who you see-- no networks, no insurance barriers.
Use your credits at the time of booking to cover the cost of your visit, so you always know what you're paying for, and when. Any unused credits will automatically roll over to the next month, so nothing goes to waste.
HealthDnD is not insurance and doesn’t meet ACA requirements. Many members choose to pair it with a high-deductible insurance plan, catastrophic coverage, or a health sharing program for emergencies and major procedures. Think of HealthDnD as your day-to-day affordable healthcare access tool.
+Learn More on Supplemental Coverages
HealthDnD covers general medical and wellness services provided in an office setting, such as checkups, sick visits, physicals, urgent care, IV drips, mental health sessions, lab work, chiropractic care, acupuncture, and minor in-office procedures (like wart removal, stitches, joint injections, and more).
+Learn More on Service Categories
If you’re experiencing a medical emergency, you should always call 911 or go to the nearest emergency room. HealthDnD is not a replacement for emergency care and does not cover ER or hospital services.
Not at all. Our platform is designed for direct, credit-based care with clear pricing—no insurance needed.
Unfortunately, no. Current IRS rules do not allow you to use FSA or HSA funds to pay for general membership fees, even if the membership gives you access to eligible healthcare services. However, you can still use your HSA or FSA to pay for any of the extended service charges you incur at the office, such as labs or testing.
Each individual will have their own HealthDnD membership plan based on their personal care needs. This allows every member, whether it’s your partner, child, or dependent to choose a plan that fits them best. You can manage multiple memberships under one household account for easier coordination and shared access.
Yes. Every provider on our platform is licensed, insured, and vetted for quality and safety. We accept providers across primary care, mental health, wellness, and allied services.
We do not cover emergency room visits, hospitalizations, specialist procedures, advanced imaging (like CT scans or MRIs), surgeries, or prescription drugs. Services must be delivered in a clinic or office setting by participating providers.
HealthDnD is designed for everyday and preventive care, not major surgeries or specialty procedures. Our providers will first learn about members' situation, whether having insurance or not. If a provider determines you need care outside our network or service scope, they’ll guide you on the best options based on your situation. You can choose to pay cash, use insurance (if you have it), or explore financing options such as Health Share Programs.
HealthDnD doesn’t include traditional prescription drug coverage, but many of our providers can write prescriptions when medically necessary. You’ll pay for medications out-of-pocket—but don’t worry, we help you access affordable cash pricing through trusted partners. We recommend: GoodRx for comparing pharmacy prices and using free coupons Mark Cuban’s Cost Plus Drugs for low-cost generic medications delivered directly to your door Our goal is to help you avoid inflated pharmacy prices and keep your care transparent from start to finish.
Your unused credits will automatically roll over to the next month, giving you flexibility to use them later. Your credits never expire as long as your membership is active.
Log into your HealthDnD account, browse trusted local providers, check service details and upfront pricing, and book instantly. You’ll apply your membership credits during booking. No hidden fees or paperwork.
We welcome licensed healthcare and wellness professionals who deliver services in an office or clinic setting. This includes primary care physicians, nurse practitioners, therapists, chiropractors, acupuncturists, nutritionists, and more. If you offer in-person services that help people stay healthy, we’d love to have you on board.
Yes. You control the pricing for each service you offer. We simply convert your pricing into member credits so they can easily understand and book based on your listed services. You maintain full control of your value.
You’ll be paid through the HealthDnD platform once services are completed. Payouts are processed within 24-48 hours after service completion date, with clear reporting. No insurance claims, billing paperwork, or collections—just clean, direct payment.
No. There’s absolutely no upfront cost to join or list your services on HealthDnD. You can set up your profile, add your services, and start accepting bookings at no charge. We only take a small platform fee from completed visits to cover payment processing and member support, so you earn when you provide care.
Yes. You set the price for each service you offer with us, based on what’s fair and reflective of the care you provide. We then convert your pricing into our credit system so members can easily understand what each service will cost and book with confidence. You stay in control of your pricing, and we help streamline the experience. No setup fees, no subscriptions, and no long-term commitments.
Yes. You control your availability and can adjust your scheduling preferences at any time. Whether you want to accept 2 new patients a month or 20, it’s entirely up to how you set up your availability.
Members book directly through the HealthDnD platform, choosing a time that works for both of you. You’ll receive a booking notification and can manage your calendar from your provider dashboard. Our provider dashboard also has capability to integrate with your existing calendar system.
No. HealthDnD is a cash-based platform. Members use credits to book services, and you’re paid directly. No insurance contracts, claims, or coding required.
Absolutely. You can modify your service offerings, prices, and availability at any time through your provider dashboard.
Cost in this category would range between 2 - 12 credits, depending on the service types.
Cost in this category would range between 12 - 15 credits, depending on the service types.
Cost in this category would range between 5 - 15 credits, depending on the service types.
Cost in this category would range between 5 - 15 credits, depending on the service types.
Cost in this category would range between 7 - 15 credits, depending on the service types.
Cost in this category would range between 10 - 12 credits, depending on the service types.
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Because staying healthy shouldn’t feel like a financial gamble. HealthDnD gives you direct access to care you can actually use—when you need it, with upfront pricing, and without the confusion of insurance networks or hidden fees. From checkups to mental health to wellness services, you choose what matters to you, and use your credits to stay well on your terms.
Because you didn’t go into healthcare to fight insurance companies. HealthDnD puts the control back in your hands—with transparent pricing, direct payment, and patients who value your time and expertise. Whether you're a solo practitioner or part of a group practice, you can offer care the way it was meant to be: simple, clear, and patient-focused.
Before HealthDnD, attracting cash-pay clients took a ton of energy, social media, Google ads, and phone tag for appointments. Now, people looking for wellness care near me find my profile and experience rating, see my pricing in credits, and book in seconds.
Competing with retail clinics and managing multiple payer contracts left our margins thin and our staff exhausted. HealthDnD allowed me to clearly post our service prices, instantly improve cash flow, and finally break free from the billing bureaucracy. Our patients appreciate the clarity, and my staff can focus on care, not claims.
I was spending more hours on paperwork and insurance calls than patient care. Payments took months, reimbursements kept shrinking, and burnout felt inevitable. Since joining HealthDnD, I've eliminated claims entirely. My patients know exactly what visits cost, I get paid promptly, and I can finally focus on being the kind of physician I trained to be.
Insurance panels were overwhelming, delayed payments, denied claims, constant resubmissions. Dropping insurance wasn't enough; potential clients still worried about hidden costs. HealthDnD changed all that. Clients clearly see the price upfront, I get paid right away, and now our therapy sessions start on the right foot, focused on care, not coverage.
