This is not a health insurance plan. It is a program that allows its members to receive discounted high quality medical care at a fraction of the cost. Unlike concierge medicine where the annual fee is required up front, this membership is paid on a monthly basis, making it reasonable and easier to budget. In order to become a member, you must be evaluated first to ensure it is a good fit for your medical needs instead of enrolling in a program that may not be necessary for you.