You’re not behind. You’re just overdue.
Insurance is forthe worst day.Overdue is forevery other checkup.
Your insurance protects you from catastrophe. For $49/month, Overdue makes the routine layer predictable — two physician visits with comprehensive lab panels each year, already paid for when you walk in.
$49/month · six-month minimum · care by independent licensed physicians
- Membership$49.00/mo
- Spring panel + physician visitincluded
- Fall panel + physician visitincluded
Due at your included visit
$0.00
Illustrative membership summary
01 —The gap
You’re paying for the worst day. You’re skipping every other one.
What insurance is for
- Hospital stays.
- Emergencies.
- The big diagnosis.
- Catastrophe.
Keep it. That’s exactly what it’s for.
your deductible — $3,500 · a typical HDHP, for illustration
What lives under your deductible
- The physical you keep meaning to book$???
- The bloodwork you haven’t seen in years$200–600?
- The derm look-at-this appointment$150–400?
- The follow-up you told yourself could wait$???
- The “probably nothing” you’d like confirmed$???
- The envelope, six weeks after any of it$?
Not real prices — that’s the problem. With a high deductible, the number arrives after the visit, not before.
You’d go — if you knew what it would cost. But with a high deductible, a routine visit is a mystery number that arrives six weeks later, and the rational move starts to feel like waiting until next year. Or the year after. Millions of people with good jobs and real insurance live in this gap.
You’re not behind. You’re just overdue.
02 —The overdue moment
The overdue moment
I’ll book the physical once work calms down. Work has not calmed down since 2021.
I have insurance. I just… haven’t used it for anything but the premium.
Last time labs cost me $340 and I found out from an envelope. So, no.
It’s probably nothing. I’d just like someone qualified to confirm it’s nothing.
I track my sleep, my steps, my spending. My actual bloodwork? No idea. Years, maybe.
Months of “soon.” And then —
MARCHJUNESEPTEMBERJANUARYBooked
You don’t need to wait until something feels serious.
We call it the overdue moment: the point where “I should get that checked” quietly becomes “I’ll deal with it eventually.” You are not behind. You are just overdue. And overdue is fixable.
03 —How it works
Five steps. No mystery bills between them.
Join for $49/month.
Six-month minimum, or $499 for the year. That’s the whole price of membership — no enrollment fee, no per-visit math to do in your head.
Schedule your first included visit.
Our scheduling team books your comprehensive lab panel and physician visit at a time that actually works. You don’t chase anyone.
Go — and pay nothing at the door.
No additional chargeLabs drawn, vitals taken, an unhurried conversation with a licensed physician. No additional charge at your included visits — the door is already paid for through your membership.
Review your results with your physician.
Not a PDF portal dump. Your physician walks you through what your numbers mean, what’s fine, and what’s worth watching.
Watch your health over time.
Every result lands on your trend-line dashboard, so your second panel of the year isn’t a snapshot — it’s a comparison. And if you ever need care outside the membership, you’ll know the cash price before you say yes.
Between visits: Message your practice for the questions that don't need a visit. Qualifying sick-visit access between your scheduled check-ins.
04 —What $49 includes
Everything routine care needs. Nothing it doesn’t.
Two comprehensive standard lab panels each year, each connected to a physician visit and clinical review.
No additional charge at your included visits — the door is already paid for through your membership.
Qualifying sick-visit access between your scheduled check-ins.
Message your practice for the questions that don't need a visit.
Every result lands on a timeline, so your numbers become a direction — not a one-time verdict.
Our team does the phone-tree part for you and books visits at times that actually work.
For services outside the membership — imaging, dermatology, specialists — you always see the number before you book.
Your monthly receipt itemizes the medical-practice portion and the Overdue platform-services portion, so you can see what may be eligible for HSA reimbursement and export documentation in one click. Eligibility depends on current rules and your HSA administrator — we make the paperwork easy; we don't make tax determinations.
Included in membership
No additional charge at your included visits — the door is already paid for through your membership.
Outside services
Imaging, specialists, and extra labs aren’t part of the membership. You pay those providers directly at transparent cash prices — and you see the exact number before you book.
Not included
Emergency and hospital care — that’s what your insurance is for. Ongoing condition management lives in the full primary-care path, offered directly by your physician’s practice.
Medical care is provided by independent licensed physicians and their practices. They make every clinical decision. Overdue manages your membership, billing, scheduling support, and dashboard — never your care. Overdue is a membership, not health insurance, and not a substitute for emergency care. Keep your major medical coverage.
05 —At the door
The door is already paid for.
Here’s the moment Overdue was built around. You arrive for your included visit. There is no card reader moment, no “your estimated responsibility today,” no envelope six weeks later. Your included visit is already paid for — that happened quietly, $49 at a time. You get to spend the appointment being a patient instead of an accounts-receivable risk.
The old way
- Estimated responsibilitypending
- Balance dueTBD
- Statement arrives6 weeks later
With Overdue
- Included visit, at the door$0.00
- Statementalready itemized
- Surprisenone
No additional charge at your included visits — the door is already paid for through your membership. If your physician recommends something beyond what’s included, you’ll see the price before anything happens — never after.
06 —Beyond the membership
For everything else: the price, before. Always before.
Sometimes care goes beyond your included visits — an MRI, a dermatology appointment, a specialist consult. Those aren’t part of the membership, and we won’t pretend they are. What we will do is find you the transparent cash price up front, from providers who publish real numbers. Knowing the number first isn’t a perk. It’s the difference between choosing care and bracing for it.
Outside services are paid separately and may count toward your deductible; we’ll give you the documentation either way.
Outside services — cash price examples
Paid directly to the provider · price shown before you book
- MRI (single region, without contrast)$450
- Dermatology visit$120
- X-ray (single study)$65
- Additional metabolic panel$40
- Mobile blood draw at home$55
- Ultrasound (single region)$190
Example prices. Actual prices vary by market, provider, and service — you'll see the exact price before you book, and you pay outside providers directly.
07 —Your health, over time
One lab result is a data point. Two a year is a direction.
Most people see their bloodwork as a scattered pile of portal logins and half-remembered numbers. Your Overdue dashboard puts every panel on a timeline — trending across visits, in plain language, with your physician's review attached. Not just “are you sick today,” but “where are you headed, and is it working?”
Sample dashboard · fictional demo data
LDL cholesterolmg/dL
104−27 since Mar 2025HbA1c
Steady5.4%
Mar 2025 → Mar 2026
Vitamin D
Improving38ng/mL
Mar 2025 → Mar 2026
Receipt · March 2026
- Medical practice portion
- $39.00May be HSA-eligible
- Overdue platform services
- $10.00Not HSA-eligible
- Total
- $49.00
Your results and records belong to you and your physician's practice. The dashboard just makes them legible. All values above are fictional demonstration data.
Who's actually taking care of you
Your doctor works for you. Not for us.
Overdue doesn't practice medicine — and that's deliberate. Independent licensed physicians own every medical decision, and Overdue is the management side, so the physician's time goes to medicine instead of administration. The people making judgments about your health answer to their license and to you. Nobody else.
Overdue runs
- 01Membership
- 02Billing
- 03Scheduling
- 04Dashboard
- 05Price transparency
Independent physicians own
- 01Diagnosis
- 02Treatment
- 03Prescribing
- 04Records
- 05Judgment
You: member on one side, patient on the other.
You're an Overdue member and a patient of your participating practice — one relationship for the medicine, one for everything around it.
Overdue is not insurance. All clinical services are provided by independently owned physician practices; Overdue provides nonclinical management and membership services.
08 —If something turns up
If your results ask for more, there's a next chapter — not a cliff.
Sometimes a panel finds something that deserves ongoing attention: blood pressure that needs managing, a thyroid that needs following, a plan that needs more than two touchpoints a year. First, your physician walks you through it — what it means, and what your options are.
If a result needs ongoing management, your physician may recommend moving into the practice's full primary-care membership — typically around $95–110 per month depending on the practice. Nothing changes without a clear conversation first.
Same physician, same records, same no-surprise pricing philosophy. No re-explaining your history to a stranger. No starting over. Overdue is the front door; if you need the whole house, it's already yours to walk into. And if you don't, the two panels a year keep doing exactly what they should.
Full primary care membership is offered directly by the independent physician practice; pricing is set by the practice. Moving up is always your choice, never a requirement.
09 —Pricing
$49 a month. That’s the sentence.
No enrollment fee. No per-visit charges for what’s included. No tiers with asterisks.
$49.00/ month
$49.00 / month · six-month minimum · $499 / year prepaid
Two physician-reviewed lab panels a year, qualifying sick-visit access, messaging with your practice, your trend dashboard, scheduling support, and itemized receipts built for HSA reimbursement.
$49 per month with a six-month minimum, or $499 prepaid annually.
After your first six months, cancel anytime from your dashboard — no calls, no forms, no exit interviews.
10 —The Founding 50
Not a cheaper version. The earliest and most direct version.
The first fifty members don’t get a discount — they get proximity. First access to scheduling, a direct line to the people building this, and a real voice in how the membership evolves. In exchange, we get what early products need most: fifty people honest enough to tell us what’s working and what isn’t. If you’ve been overdue for a while, you might as well be first.
50 founding memberships. Same clinical care, same included visits — plus a permanent seat closest to the work.
What founding means
- 01The standard $49 monthly price — no discount, no premium
- 02Your rate locked for life while your membership stays active
- 03One complimentary add-on panel in your first year
- 04A direct support line, not a ticket queue
- 05A real voice in how the experience takes shape
11 —Questions, answered
The questions everyone asks first.
Is Overdue insurance?
No. Overdue is a healthcare membership, not an insurance plan, and it doesn’t replace one. Your insurance protects you from catastrophe — hospitalizations, emergencies, the big stuff. Overdue handles the routine layer underneath your deductible. Keep your insurance. Add Overdue for the part it never made easy.
Who actually provides my medical care?
Independent licensed physicians who own their practices — and every clinical decision. Your diagnosis, treatment, and medical records belong to your physician and their practice, not to Overdue. Overdue provides the nonclinical side: membership, billing, scheduling support, your dashboard, and price transparency.
Do I pay anything at my appointment?
Not for what’s included. There is no additional charge at your included visit — your membership already paid for it. If your physician ever recommends something beyond what the membership includes, you’ll see the price first and decide before anything happens.
Can I pay with HSA funds?
Overdue was built with HSAs in mind. Every month you receive an itemized receipt separating clinical services from nonclinical membership benefits, plus a one-click export formatted for HSA reimbursement. Whether specific expenses qualify depends on IRS rules and your situation — Overdue doesn’t provide tax advice, but we do provide paperwork that finally cooperates.
Why is there a six-month minimum?
Because the product is a rhythm, not a transaction. Six months ensures you experience at least one full cycle — a panel, a physician review, a trend line, a second panel that tells you which direction you’re moving — instead of a single snapshot. After six months, you’re month to month.
What if my results show something that needs ongoing treatment?
First, your physician walks you through it — what it means and what your options are. If ongoing care makes sense, your physician’s independent practice offers full primary care membership, typically around $95–$110/month depending on the practice, with the same physician and the same records. And it’s always your choice.
12 —Start here
It’s been on your list long enough.
You don’t have to wait until something feels wrong.
$49/month · six-month minimum · no additional charge at your included visits
Overdue is a membership, not health insurance, and not a substitute for emergency care. Keep your major medical coverage.