Important disclosure
This is not insurance
PARZERO Total Care is a prepaid discount plan that gives members reduced prices on health services. It is not insurance, it is not a substitute for insurance, and it does not pay providers on your behalf. There is no deductible because there is nothing to claim against — you pay the member price directly at the time of service.
The difference in one paragraph
Insurance is a promise to pay for care. This is a negotiated price on care you pay for yourself.
With insurance you have a policy, and when you are treated the insurer pays the provider some or all of the bill. With a discount plan there is no policy and no payer. You show a card, you are charged the member price instead of the standard price, and you pay it. That is the entire mechanism.
What this means in practice
- Not insurance, and not a substitute for it. There is no policy, no coverage and no claim.
- It does not pay your providers. You pay the member price yourself, at the time of service.
- It will not protect you from a catastrophic bill. If you need that, you need insurance.
- A card confirms membership. It is not a guarantee of payment or of eligibility for any particular price.
- It is not a qualified health plan, and it does not satisfy any legal requirement to hold health coverage.
What it does do
For $79 a month, up to 5 people get member prices on the care households actually use during a normal year — a virtual visit, a prescription, a cleaning, a blood panel. On a high-deductible insurance plan those are usually paid out of pocket at full price anyway.
That is a real, narrow benefit. We would rather you understand its limits now than discover them at a hospital.
You will be asked to confirm you read this
Before you pay, enrollment asks you to acknowledge — as a separate, deliberate step, not bundled into the terms of service — that you understand this plan is not insurance. We keep a record of that acknowledgement, including which version of this disclosure you saw.
Questions, complaints, cancellation
If anything on this page is unclear, ask us before you join.
The statutory disclosure required in your state, including the registration details of the plan organisation, is on the plan disclosure page.