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Comparing Costs: Subscription Health Plans vs. Traditional Insurance

MakoRx is committed to supporting individuals and employers along their healthcare journey by helping them stay informed on the latest trends and technologies in healthcare and pharmacy.


Traditional health insurance has long been the go-to choice for many, offering a familiar safety net. However, with the rise of subscription health plans, a new contender has entered the ring, promising affordability and convenience. Navigating the maze of insurance options can feel like a daunting task. Fortunately, MakoRx is here to break down the key differences between subscription health plans and traditional insurance so you can make an informed decision about your healthcare options.

The Basics: Understanding Health Plans

Subscription Health Plans

Subscription health plans operate on a membership-based model. Individuals pay a monthly or annual fee for access to various services such as prescription drug coverage, telemedicine and mental health counseling. These plans do not involve insurance companies, meaning there are no claims or deductibles. Instead, the monthly fee covers all services, and there are no surprise bills. 

Perks of Subscription Health Plans

  • Low cost: Monthly fees for subscription health plans typically range from $30 to $100, making them an affordable alternative to traditional insurance premiums.
  • Greater flexibility: With direct access to virtual providers, individuals can make appointments more easily and have longer consultations without feeling rushed.
  • No hidden fees: Unlike traditional insurance plans, subscription plans have no surprise bills or hidden costs. The monthly fee covers all services offered under the plan.
  • More control over healthcare decisions: Subscription health plans allow individuals to build a close relationship with their primary care provider, giving them more say in their healthcare decisions and treatment options.

Traditional Insurance

Traditional insurance plans involve individuals paying a monthly or annual premium to an insurance company, which then covers a portion of the cost of medical services. These plans often include deductibles, co-pays, and coinsurance, meaning individuals are responsible for paying a percentage of the total cost of medical services. While traditional insurance plans offer comprehensive coverage, they can also come with high out-of-pocket costs. This can be a barrier for individuals seeking routine healthcare services.

Cost Comparison

Subscription health plans offer transparent and straightforward costs with a flat monthly or annual fee, eliminating surprises for members. This is especially beneficial for those without insurance or those who do not have access to quality health insurance plans. Additionally, managing insurance billing and reimbursement complexities can be time-consuming and frustrating for patients and providers. A subscription-based health plan such as MakoRx’s Complete Care can save patients money and complement traditional health insurance plans.

While there are many benefits to subscription health plans, they still have gaps in coverage with no access to hospitalization or specialty doctor services. This is typically the reason why many people choose traditional insurance for catastrophic coverage. What many people don’t realize is that paying cash for these services is often less expensive than paying your deductible plus out-of-pocket costs with traditional insurance. So in many ways, a combination of cash pay and subscription health plans can provide you with the optimal solution to cover all your healthcare needs. 

Flexibility and Accessibility

Subscription health plans remarkably outshine their traditional counterparts in terms of flexibility and accessibility. MakoRx’s model exemplifies how patients can enjoy unrestricted access to primary care services without the constraints of office hours or availability. This means easier scheduling, virtual appointments, and same or next-day appointments for primary care and mental health needs.

The absence of a third-party insurer streamlines the process, allowing for direct communication between the patient and provider. This model not only enhances the patient experience by making healthcare more approachable and less bureaucratic but also fosters a stronger patient-doctor relationship, which is crucial for personalized care.

Experience the Difference With MakoRx Complete Care

Ready to take control of your healthcare? MakoRx Complete Care is here to revolutionize your experience with subscription health plans that put you first. With no hidden fees, straightforward costs, and unrestricted access to medication management services, it’s time to experience healthcare tailored to your needs. Sign up now to discover the convenience, flexibility, and personalized care that only MakoRx Complete Care can offer.

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