Traditional insurance
You live in the US, have traditional health insurance so you know the lingo: monthly premiums, annual deductibles, networks, claims and the hope that when you need the care you can afford it.
Now. Forget it all.
Choose smarter. Discount medical plans
Think different. Vativis. It is an alternative health approach, a discount medical plan that cuts out the middlemen and allows the consumer to make the decision.
It is not insurance.
Vativis - medical discount plan subscription
Vativis is a subscription-based health discount plan—not insurance—providing access to health services like:
It’s low-cost, flexible, and designed for you. Gig workers, small businesses, mid sized businesses and those shut out of traditional plans.
Comparison: Vativis vs. Traditional Insurance
Feature | Vativis | Traditional Insurance |
Monthly Cost | From $34–$190 (no deductibles) + $50-$453 (Family) | Avg. $500–$800/month individual; $1,800+ family |
Deductibles | Only for catastrophic care | Often $2,500–$8,000+ |
Out-of-Pocket Max | Low-up to 70% lower than insurance | Up to $9,450 (2025) |
Network Restrictions | Open access via DPC or discount partners | Often narrow networks |
Primary Care Access | Unlimited visits with DPC plans at $10 | Limited; subject to copays & wait times |
Telemedicine | No cost, 24/7/365 | Sometimes included, often extra or limited |
Mental Health | Low cost | Varies, often with high out-of-pocket cost |
Dental/Vision | No annual limit | Often separate, limited coverage |
Hospital Bills | Negotiated via third-party bill advocates | Subject to deductible, coinsurance |
Prescription Drugs | 1000 $0 generics, up to 80% off others | Subject to formulary, copays, tiered pricing |
Compliance | No ACA reporting, no SSNs. No claims. | Requires detailed IRS/ACA compliance |
Flexibility | Month-to-month (some with 90-day min) | Locked into plan year or employer options |
Pros of Vativis
Cost savings: Most members save 50–70%+ over traditional plans and 10-50% on dental procedures
Simplicity: One flat monthly rate. No surprise bills. No paperwork.
Immediate care access: Telemedicine, DPC, and discounts kick in right away.
No insurance crazies: No denied claims, no pre-authorizations.
Transparent: You know exactly what you’re paying for and what you get.
Customizable: Add-on catastrophic care and hospital care if needed; tailor to budget.
Limits of Vativis
Not insurance: It doesn’t “cover” procedures—it discounts them or helps negotiate them. It is a self-pay model
No mandate compliance: Not ACA-qualified; may not meet individual mandate (if required). MEC plans coming soon.
Major events extra: Hospital or specialty care will require catastrophic add-on or negotiated hospital bill advocates.
Not tax-advantaged: Premiums can’t be paid pre-tax like with employer-sponsored insurance. But with ACA subsidies being sunset and HSA allowing telemedicine and DPC coverage you still save
Who is Vativis For?
You
1099 & gig workers
Small businesses (<50 FTEs) who can’t afford group insurance
Part-time workers
People priced out of the ACA
Health-conscious, low-utilization consumers
Businesses that may offer COBRA
Big organizations that have a diverse workforce
Broker’s Value
As a broker, you want solutions that match your client’s budget and needs. Vativis isn’t a replacement for all insurance—it’s a replacement for overpriced, underused coverage.
When clients:
Skip the doctor due to cost
Pay high premiums but are afraid to use the coverage
Gett burned by balance billing or high deductibles
Vativis becomes a practical choice. It restores dignity to healthcare—without burying people in paperwork or debt.
Final Thought
Insurance is built for emergencies. Vativis is built for everyday life.
If you’re ready to offer clients a modern option that saves money, boosts retention, and delivers real value—they’re ready for Vativis.