$0 Copay Health Insurance with 24/7 Concierge Care
Hero Healthcare is a physician-led health insurance plan offering $0 copays, $0 deductibles, and 24/7 concierge physician access. Get your real quote instantly — no advisor call needed.
Unlike traditional insurers, Hero Healthcare was designed by doctors to put patients first. Every licensed provider nationwide is in-network, so you never worry about surprise bills or referral requirements.
How It Works — From Signup to Care in Minutes
No more insurance mazes. Hero Healthcare has redesigned the healthcare experience to be simple, personal, and always available.
- Review Your Quote — Your real price, instantly. Use our pricing calculator to see your actual personalized rate based on age, location, and family size.
- Enroll Online — Complete your enrollment in minutes. No lengthy applications or medical exams required.
- Make Your First Appointment — Schedule with your dedicated concierge physician for personalized primary care.
- Enjoy Premium Care — 24/7 access to your doctor, $0 out-of-pocket costs, and concierge-level service for all your healthcare needs.
Every Doctor Is In-Network
With Hero Healthcare, any licensed provider nationwide is in-network. Keep your current doctor, see any specialist directly without referrals, and never receive a surprise bill. Search our provider directory to verify your doctor is covered.
Plans & Pricing — One Care Plan, Two Flexible Paths
Provider-Directed Care
Let your concierge provider coordinate your care and pay nothing out of pocket. Includes $0 copays, $0 deductibles, $0 coinsurance, 24/7 physician access, pre-funded debit card, and full specialist coordination.
Member-Directed Care
Prefer complete freedom? See any provider you choose with standard deductible and traditional cost-sharing. Still includes preventive care and access to the full network.
Get Your Personalized Quote
See your real price instantly — not an estimate. Most insurers make you talk to an advisor before seeing a price. Hero Healthcare gives you your actual rate right now based on your age, ZIP code, and household size.
Get your personalized quote now
Comprehensive Coverage
Hero Healthcare provides full medical coverage including:
- Preventive care and annual wellness visits
- Primary care and specialist visits
- Emergency and urgent care services
- Mental health and behavioral health
- Maternity and newborn care
- Diagnostics, lab work, and imaging
- Prescription drug coverage
- Hospitalization and surgical services
Learn more about Hero Healthcare coverage
Benefits That Set Us Apart
- 24/7 Doctor Access — Your personal concierge physician is just a call or text away, day or night.
- Zero Out-of-Pocket Costs — Follow physician-directed care and pay nothing for visits, specialists, or prescriptions.
- Personal Physician — A dedicated doctor who knows your medical history and coordinates all your care.
- Proactive Preventive Care — Your physician catches health issues before they become costly problems.
- Simple to Use — Pre-funded debit card for eligible expenses. No claim forms, no surprise bills.
- Full Protection — Comprehensive coverage for preventive care, specialists, hospitals, and emergencies.
Learn why Hero Healthcare is different
Broker Partnership Program
Insurance brokers and advisors: partner with Hero Healthcare for competitive commissions, dedicated broker support, and a product your clients will love. Hero Healthcare offers simplified enrollment and a care model that drives client satisfaction and retention.
Compare Your Current Plan
Upload your current insurance plan and see a side-by-side cost comparison with Hero Healthcare. Discover how much you could save with $0 copays and $0 deductibles.
Member Experience — Real Scenarios, Real Savings
See how Hero Healthcare members save thousands compared to traditional insurance plans across real-world healthcare scenarios including doctor visits, specialist care, emergency visits, and prescription medications.
Frequently Asked Questions
What is Hero Healthcare?
Hero Healthcare is a physician-led health insurance plan offering $0 copays, $0 deductibles, and 24/7 concierge physician access. It is designed by doctors to simplify healthcare and eliminate financial barriers to care.
What makes Hero Healthcare different from traditional insurance?
Hero Healthcare is designed by physicians, not insurance executives. It features concierge-level care with a dedicated personal physician, $0 out-of-pocket costs for physician-directed care, and every licensed provider in the country is in-network.
How much does Hero Healthcare cost?
Rates are personalized based on your age, location, and household size. Get your real personalized quote instantly on our website at herohealthcare.com/get-a-quote — no advisor call required.
Are all doctors in-network with Hero Healthcare?
Yes. Every licensed provider in the United States is in-network with Hero Healthcare. You can keep your current doctor, see any specialist without a referral, and visit any hospital or urgent care center.
How do I enroll in Hero Healthcare?
Visit our website, get your personalized quote, and complete enrollment online in minutes. No medical exams or lengthy applications required.
