Momentum Benefits
Having coverage is not the same as having care. Answer these and the page will tell you which options are worth your time, and which are not.
1Who needs care?
2What do you have right now?
3What would you fix first?
Twenty minutes. Nothing to sign, nothing to buy to have the conversation.
The model
Care first. Coordinate next. Coverage when needed.
The part nobody explains
You have a deductible you will never meet.
So you pay a premium every month and full price for care all year, and the coverage only shows up if something catastrophic happens. That is why people stop going to the doctor, and it is why a small thing turns into an expensive thing.
A direct primary care membership flips the first dollar. You pay the practice monthly and there is no copay at the visit. Call, text, or come in. The doctor handles the everyday, which is most of what you will ever need.
A membership is not insurance and it is not enough on its own. It does not cover a hospital stay or a surgery. What goes behind it is the other half of the conversation, and it is the half where the honest answer depends on you.
Proof
6x
More time with a clinician than an insurance-based patient
Primary Health Partners case study, in Hint Health, Employer Trends in DPC 2025
40.5%
Fewer emergency department visits
Society of Actuaries and Milliman, 2020
NPS 70
Patient satisfaction, against 7 for national health insurance
Hint Health, Employer Trends in Direct Primary Care 2025
Published findings on direct primary care. People who choose it tend to be lower risk than average, which is worth knowing when you read any number about it.
Before you ask
It is a monthly fee paid to the practice, and each practice sets its own. That is why there is no number on this page. On the call we will tell you what the practices near you charge and what comes with it.
No. A membership buys you a doctor. It does not cover a hospital stay, a surgery, or a specialist. You still want something behind it, and choosing that something is most of what the call is about.
Some are health insurance and some are medical cost sharing, which is not insurance and does not work like it. They are priced differently and they suit different situations. Anybody who blurs that line is not being straight with you.
Age, health history, and timing all matter. A few examples: some options cannot be joined at 65 or older, some will not cover a pregnancy that starts inside the first year, and a condition you have been treated for recently can carry a waiting period. These are the things we check on the call before anybody talks about price.
For the coverage layer there is no network, so you can see anyone. For the care layer you would be joining a specific direct primary care practice, which means a new doctor unless yours already works this way.
Then say so on the call. A group build starts at five enrolled employees and the economics are different on that side.
Next step
Twenty minutes on the phone. If the honest answer is that you are better off somewhere else, you will hear that on this call.
You will speak with one of our preferred advisors. Or call 772-356-1818.
Your answers from above come across with it, so nobody asks you twice.
Would rather talk? Call 772-356-1818 or email info@mobenefits.health.
Copy it and send it to info@mobenefits.health, or call 772-356-1818 and skip the typing.