01 —What $49/month includes
Everything routine care needs. Nothing it doesn't.
One price, one list — and an equally honest list of what's not on it. No tiers with asterisks, no per-visit charges for what's included.
Clinical care is provided by independent licensed physicians. Overdue handles the membership, the logistics, and the bill you'll never be surprised by.
Everything included in membership
- 01
Two comprehensive lab panels
2× / yearTwo comprehensive standard lab panels each year, each connected to a physician visit and clinical review. Not a mail-in kit — a draw, in person, with a physician in the loop both times. The core markers a physician uses to understand your baseline, reviewed with you in plain language. If your situation calls for additional testing, anything beyond the included panels is priced transparently before you decide.
- 02
Included physician visits
$0 additionalNo additional charge at your included visits — the door is already paid for through your membership. The membership is the payment: there is no second bill for what's included, no card reader moment, no envelope six weeks later. If your physician ever recommends something beyond what's included, you see the price first and decide before anything happens.
- 03
Async messaging
IncludedMessage your practice for the questions that don't need a visit. Defined async messaging with your care team, so small questions don't have to become appointments — or quietly become next year's postponed thing.
- 04
Qualifying sick-visit access
IncludedQualifying sick-visit access between your scheduled check-ins. When something comes up between panels, you have a defined way in — with a practice that already knows your baseline instead of a stranger starting from zero.
- 05
Trend-line health dashboard
IncludedEvery result lands on a timeline — cholesterol, glucose, kidney and liver markers — trending across visits, in plain language, with your physician's review attached. Two panels a year turn a snapshot into a direction: you'll know whether that borderline number moved, and which way.
- 06
Scheduling support
IncludedOur team does the phone-tree part for you: books your panel and physician visit at a time that actually works, confirms it, and handles the reschedule when life happens. You don't chase anyone.
- 07
Cash-price discovery
Price firstFor care outside the membership — imaging, dermatology, specialists — we find transparent cash prices from providers who publish real numbers, so you always see the number before you say yes. You pay outside providers directly. See example prices.
- 08
Itemized receipts + HSA export
MonthlyYour 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.
02 —The honest part
What's not included.
A membership you can trust starts with a boundary you can see. Here's where $49 stops — and what we do about each edge instead of pretending it isn't there.
Emergency and hospital care
Overdue is not for emergencies. If you think you're having an emergency, call 911 or go to the nearest emergency room. That is exactly what your insurance is for. Overdue is a membership, not health insurance, and not a substitute for emergency care. Keep your major medical coverage.
Medications
If your physician prescribes something, they'll send it to the pharmacy of your choice, and we'll help you find transparent cash prices — generics are often surprisingly inexpensive when you can see the real number. You'll know the cost before you commit, not after.
Specialists and imaging
Outside the membership, and we're upfront about that. What Overdue adds is price discovery: you see a transparent cash price before you book, and you pay the outside provider directly. Example cash prices.
Ongoing condition management
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 — offered directly by the independent practice, priced by the practice. How that transition works.
03 —Built for your HSA
You saved that money for healthcare. This is the healthcare.
If you have an HDHP, you likely have an HSA sitting next to it — tax-advantaged money earmarked for exactly the care you've been postponing. The paperwork problem that makes people give up on reimbursement is the part we automated first.
- 01
Your receipt arrives itemized
Every month, a clear line-item breakdown of what your membership paid for — legible to you, not just to a billing department.
- 02
Clinical and platform portions, separated
The medical-practice portion and the Overdue platform-services portion each get their own line, so you can see what may be eligible.
- 03
Export in one click
Documentation formatted for HSA reimbursement, ready to hand to your administrator. No spreadsheet archaeology in April.
- 04
You (or your tax advisor) determine what qualifies
Eligibility depends on current rules and your HSA administrator. We make the paperwork easy; we don't make tax determinations.
HSA eligibility of specific expenses depends on IRS rules and your individual situation. Overdue does not provide tax advice.
Monthly receipt
March 2026
- Medical practice portion
- $39.00
- Overdue platform services
- $10.00
- Total
- $49.00
May be HSA-eligible
Not HSA-eligible
Sample dashboard · fictional demo data
04 —Start here
One list, one price, no asterisks.
Six-month minimum. No additional charge at your included visits — the door is already paid for through your membership. See how it works