Straight answers

No. It is a prepaid discount plan. You pay a monthly membership fee and get reduced prices on health services from participating providers.

There is no policy and no claim. You pay the member price yourself at the time of service, and nobody reimburses you afterwards. That is the difference, and it matters: this plan will not protect you from a catastrophic medical bill. If that is what you need, you need insurance.

You will be asked to acknowledge this in writing before you pay.

Yes. One membership is $79 a month for up to 5 people in one household. Adding a person does not change it.

There are no age bands and no rate that varies by where you live. One household, one price.

You, plus up to four more people — a spouse or partner, children, or a parent.

The household gets one card with one member number, and every name is on it. Anyone named on the card can use the plan on their own, so nobody has to bring you along.

Your card is issued as soon as your first payment clears, and the plan starts the same day.

There is nothing to wait for after that — no review, no approval step, no paperwork to be checked.

No. There are no health questions and no medical underwriting. Nothing about your health history affects whether you can join or what you pay.

A discount plan prices access to services, not the risk of covering you.

No. We do not ask for a photograph of a licence, a passport or any other document, and we do not ask for a Social Security number.

Bring your membership card and whatever ID you would normally show at a pharmacy or a dentist. The front desk checks who you are, the same way it already does — which means we never have to hold a copy of it.

In the app, under Billing. It takes a few taps and no phone call.

Cancelling stops all future payments. Your plan stays active until the end of the month you have already paid for, then the card goes inactive.

$79 is charged on the same day each month until you cancel. You will see PARZERO Total Care on your statement.

Payment is set up on a secure checkout page outside the app. Card details never touch PARZERO — they go straight to the payment processor.

Enrollment is open in Michigan. The app checks your address during signup and will tell you if your state is not covered yet.

They scan the QR code on it. That opens a page showing the plan name, whether the membership is active, and everyone the card covers — each as a first name and a last initial.

It lists everybody because one card covers the household, and the person at the desk needs to see that whoever is standing there is on it. It is not your surname, not a date of birth, not an address, and not a document — just enough to match against the ID they are already holding.

And because it checks live, a card that has lapsed reads as inactive even though the image still looks the same.

From the app. Choose one of our partner doctors, the person on the plan the visit is for, and a time on a weekday — in person or by telehealth.

Your booking reaches PARZERO staff, who arrange the visit with the doctor. Any fee is paid to the doctor directly, outside the app.

You can cancel a booking from the app at any point before the visit.

It holds your card, with everyone in the household named on it, and is where you schedule an appointment with one of our partner doctors. It also lists our partner clinics, shows your payment history and lets you cancel.

You sign in with an email address and a password, with Google, or — on an iPhone or iPad — with Apple. Nothing is sold in the app.

On this website. Enrolling a household means entering up to five people, which is a sit-down job.

The app is for afterwards: your card, who it covers, booking a visit, and your billing. You sign in there with the same email and password.