FAQ
Fair questions, straight answers.
17 questions on file
01 —The basics
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: the visits and labs that insurance technically covers but practically makes unpredictable. Keep your insurance. Add Overdue for the part it never made easy.
Do I keep my current insurance?
Yes — please do. Overdue is designed to sit alongside a high-deductible health plan, not replace it. Your insurance is your protection against major medical events. Overdue makes the routine care below your deductible predictable and already paid at your included visits. Together, they cover the two very different problems healthcare actually presents.
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. You're an Overdue member and a patient of an independent practice at the same time.
How is this different from a DPC (direct primary care) membership?
DPC is full primary care, usually $95–200/month — a great model if you need ongoing, comprehensive care. Overdue is the step before that: the routine layer for people who are basically healthy but haven't been checked in years. Two physician-reviewed panels annually, sick-visit access, and price transparency at $49/month. If your health ever calls for full primary care, the independent practices we work with offer it — so Overdue is also the least disruptive path into DPC if you end up needing it.
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: the visits and labs that insurance technically covers but practically makes unpredictable. Keep your insurance. Add Overdue for the part it never made easy.
Do I keep my current insurance?
Yes — please do. Overdue is designed to sit alongside a high-deductible health plan, not replace it. Your insurance is your protection against major medical events. Overdue makes the routine care below your deductible predictable and already paid at your included visits. Together, they cover the two very different problems healthcare actually presents.
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. You're an Overdue member and a patient of an independent practice at the same time.
How is this different from a DPC (direct primary care) membership?
DPC is full primary care, usually $95–200/month — a great model if you need ongoing, comprehensive care. Overdue is the step before that: the routine layer for people who are basically healthy but haven't been checked in years. Two physician-reviewed panels annually, sick-visit access, and price transparency at $49/month. If your health ever calls for full primary care, the independent practices we work with offer it — so Overdue is also the least disruptive path into DPC if you end up needing it.
02 —Money & HSA
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. The one thing that will never occur is a surprise bill for an included visit.
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 — our documentation makes that determination easy for you or your tax advisor. Overdue doesn't provide tax advice, but we do provide paperwork that finally cooperates.
What's on my itemized receipt?
Every month: a clear line-item breakdown of what your membership paid for, with clinical services and nonclinical benefits separated. No bundled mystery charges, no codes you'd need a translator for. It's designed to be legible to you, useful for HSA reimbursement, and boring in the best possible way — a receipt should never be a plot twist.
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. The one thing that will never occur is a surprise bill for an included visit.
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 — our documentation makes that determination easy for you or your tax advisor. Overdue doesn't provide tax advice, but we do provide paperwork that finally cooperates.
What's on my itemized receipt?
Every month: a clear line-item breakdown of what your membership paid for, with clinical services and nonclinical benefits separated. No bundled mystery charges, no codes you'd need a translator for. It's designed to be legible to you, useful for HSA reimbursement, and boring in the best possible way — a receipt should never be a plot twist.
03 —The care itself
What happens at an included visit?
A comprehensive standard lab panel is drawn, your vitals are taken, and you meet with a licensed physician — an unhurried visit, not a seven-minute shuffle. Afterward, your physician reviews your results with you and explains what they mean: what's fine, what to watch, what (if anything) to do next. Everything lands on your trend dashboard so this visit connects to the next one.
Which lab panels are included?
Two comprehensive standard panels per year — the core markers a physician uses to understand your baseline health: metabolic function, cholesterol and lipids, blood counts, glucose, and kidney and liver markers, among others. Each panel is tied to a physician visit and clinical review, so you're never left googling your own results. Your physician can also discuss additional testing if your situation calls for it; anything beyond the included panels is priced transparently before you decide.
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. No starting over, no re-explaining your history. And it's always your choice; many findings just mean 'let's watch this at your next included panel.'
Are medications included?
Medications aren't included in the membership. If your physician prescribes something, they'll send it to the pharmacy of your choice, and we'll help you find transparent cash prices — generic medications are often surprisingly inexpensive when you can see the real number. As with everything outside the membership, you'll know the cost before you commit, not after.
What about specialists and imaging?
They're outside the membership, and we're upfront about that. What Overdue adds is price discovery: before you book an MRI, a dermatology visit, or a specialist consult, we find you transparent cash prices from providers who publish real numbers — often dramatically lower than the post-insurance mystery rate. You see the price, you decide, you go. Illustratively, cash-pay MRIs can run around $450 and derm visits around $120, though actual prices vary by provider and location.
What happens at an included visit?
A comprehensive standard lab panel is drawn, your vitals are taken, and you meet with a licensed physician — an unhurried visit, not a seven-minute shuffle. Afterward, your physician reviews your results with you and explains what they mean: what's fine, what to watch, what (if anything) to do next. Everything lands on your trend dashboard so this visit connects to the next one.
Which lab panels are included?
Two comprehensive standard panels per year — the core markers a physician uses to understand your baseline health: metabolic function, cholesterol and lipids, blood counts, glucose, and kidney and liver markers, among others. Each panel is tied to a physician visit and clinical review, so you're never left googling your own results. Your physician can also discuss additional testing if your situation calls for it; anything beyond the included panels is priced transparently before you decide.
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. No starting over, no re-explaining your history. And it's always your choice; many findings just mean 'let's watch this at your next included panel.'
Are medications included?
Medications aren't included in the membership. If your physician prescribes something, they'll send it to the pharmacy of your choice, and we'll help you find transparent cash prices — generic medications are often surprisingly inexpensive when you can see the real number. As with everything outside the membership, you'll know the cost before you commit, not after.
What about specialists and imaging?
They're outside the membership, and we're upfront about that. What Overdue adds is price discovery: before you book an MRI, a dermatology visit, or a specialist consult, we find you transparent cash prices from providers who publish real numbers — often dramatically lower than the post-insurance mystery rate. You see the price, you decide, you go. Illustratively, cash-pay MRIs can run around $450 and derm visits around $120, though actual prices vary by provider and location.
04 —Commitment & cancellation
Why is there a six-month minimum?
Because the product is a rhythm, not a transaction. The value of Overdue shows up across time — a panel, a physician review, a trend line, a second panel that tells you which direction you're moving. Six months ensures you experience at least one full cycle of that instead of a single snapshot. After six months, you're month to month.
How do I cancel?
After your six-month minimum, cancel anytime from your account — no phone call required, no retention script, no fee. If you prepaid annually, we'll handle the remainder per your membership terms. We'd rather earn month seven than lock you into it.
Why is there a six-month minimum?
Because the product is a rhythm, not a transaction. The value of Overdue shows up across time — a panel, a physician review, a trend line, a second panel that tells you which direction you're moving. Six months ensures you experience at least one full cycle of that instead of a single snapshot. After six months, you're month to month.
How do I cancel?
After your six-month minimum, cancel anytime from your account — no phone call required, no retention script, no fee. If you prepaid annually, we'll handle the remainder per your membership terms. We'd rather earn month seven than lock you into it.
05 —Practical
What if I have an emergency?
Call 911 or go to the nearest emergency room — immediately, every time. Overdue is not emergency care and does not cover emergency or hospital services; that is exactly what your insurance is for. Overdue's job is the opposite end of healthcare: the routine, non-urgent care that's easy to postpone. For anything urgent or life-threatening, your health plan and the emergency system are the right tools.
Where is Overdue available?
We're launching city by city, because included visits happen in person with independent physicians and we'd rather do one region well than everywhere badly. When you join the waitlist, we'll tell you exactly where we are today and when we expect to reach you. Founding 50 members in launch areas get first access to scheduling.
How is my health data protected?
Your health information lives with your medical practice. Overdue handles the administrative layer with strict access controls, and we don't sell member data. Full privacy practices are published before launch. Your trend line exists for exactly one audience: you and your physician.
What if I have an emergency?
Call 911 or go to the nearest emergency room — immediately, every time. Overdue is not emergency care and does not cover emergency or hospital services; that is exactly what your insurance is for. Overdue's job is the opposite end of healthcare: the routine, non-urgent care that's easy to postpone. For anything urgent or life-threatening, your health plan and the emergency system are the right tools.
Where is Overdue available?
We're launching city by city, because included visits happen in person with independent physicians and we'd rather do one region well than everywhere badly. When you join the waitlist, we'll tell you exactly where we are today and when we expect to reach you. Founding 50 members in launch areas get first access to scheduling.
How is my health data protected?
Your health information lives with your medical practice. Overdue handles the administrative layer with strict access controls, and we don't sell member data. Full privacy practices are published before launch. Your trend line exists for exactly one audience: you and your physician.
Question not on the list?
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