Medical Insurance Simplified: Prime Benefits Explained

what is prime medical insurance

Prime medical insurance is a health insurance service offered by Amazon One Medical. It provides members with access to 24/7 on-demand virtual care and easy-to-schedule appointments at One Medical offices across the United States. Prime members can purchase a One Medical membership for $9 per month or $99 per year, with additional memberships available for up to five family members at a discounted rate. This membership offers convenient and affordable healthcare, including prescription refills, health record access, and proactive reminders. Separately, Prime Healthcare, a for-profit health system in the United States, also offers a range of benefit plans, including the voluntary MERP plan, which helps employees avoid unexpected medical costs.

Characteristics Values
Type For-profit health system
Number of Hospitals 51
Number of Outpatient Locations 360+
Number of Staff and Affiliated Physicians 57,000+
Membership Cost $9/month or $99/year for the first member; $6/month or $66/year for each additional family member (up to 5)
Services On-demand virtual care, primary care, Treat Me Now, Urgent Video Chat, prescription refills and renewals, access to health records and care plans
Billing Billed to insurance or out of pocket
Insurance Accepts most major insurance plans
Dispute Rate <1%

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Amazon One Medical Membership costs and benefits

Amazon One Medical is a modern approach to healthcare, allowing people to get care on their terms and on their schedule. Amazon One Medical offers two ways to get medical care: Membership and Pay-per-visit.

Amazon One Medical Membership Costs

The yearly membership costs $99 per year for the first membership and $66 per year for each additional membership, for up to five additional memberships. Monthly memberships are $9 per month for the first membership and $6 per month for each additional membership.

Amazon One Medical Membership Benefits

The membership fee covers access to the One Medical app as well as One Medical's on-demand and asynchronous virtual care services, as well as high-touch and value-added personal services such as insurance navigation and referral management. The on-demand virtual services are accessible through the One Medical app, featuring 24/7/365 on-demand video chats, secure provider messaging, “Treat Me Now” assessments for common health concerns, easy vaccine and medical record access, prescription renewals, and proactive reminders for follow-up care and referral needs. Virtual care is available nationally, and members don’t incur any additional costs for on-demand virtual care services. Members can also schedule same- and next-day remote or in-person appointments at any of One Medical’s hundreds of primary care offices across the U.S.

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One Medical locations and services

One Medical is a primary care service that offers high-quality healthcare from trusted doctors at convenient locations. With a focus on exceptional quality, a world-class experience, and cutting-edge technology, One Medical provides an extensive range of services. Their highly-rated doctors accept most insurance plans and are currently accepting new patients.

One Medical has multiple locations in Los Angeles, Phoenix, and other major cities across the country. They are committed to making healthcare faster, easier, and more enjoyable for their patients. This includes offering longer appointments that start on time and providing calming spaces to ensure patient comfort.

In Phoenix, AZ, One Medical has partnered with Dignity Health to improve the patient experience. This partnership allows for enhanced care and access to a wider range of healthcare services. One Medical's offices in Phoenix are designed to make patients feel at home and provide a comfortable environment for their healthcare needs.

Similarly, in Los Angeles, One Medical offers high-quality care from trusted doctors at convenient locations. With multiple offices in the LA area, patients can access exceptional primary care physicians and a wide range of healthcare services. One Medical's LA offices provide a welcoming and professional healthcare environment.

One Medical also offers special membership pricing for Amazon Prime members, making their services more accessible and affordable for a wider range of individuals. With their focus on patient comfort, exceptional care, and convenient locations, One Medical strives to provide a world-class healthcare experience.

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Prime Healthcare hospitals and physicians

Prime Healthcare is a for-profit health system in the United States, currently the fifth largest in the country. It operates 51 hospitals in 14 states, with more than 360 outpatient locations and over 57,000 staff and affiliated physicians. Prime Healthcare hospitals and physicians are dedicated to providing the highest quality, value-based healthcare. Prime Healthcare's work in quality, value-based care holds them accountable for building a healthier and more equitable future for their employees and patients.

Prime Healthcare hospitals are committed to delivering the highest standards of care and investing in community hospitals across America. Prime Healthcare and the non-profit Prime Healthcare Foundation provide compassionate care, with 18 of the Prime Healthcare hospitals members of the Prime Healthcare Foundation. The Foundation is a 501(c)(3) not-for-profit public charity. Prime Healthcare hospitals offer comprehensive benefits and programs to enrich the lives of their patients, including the MERP plan, which helps employees with access to alternate group medical and prescription drug coverage.

Prime Healthcare hospitals provide open access to inpatient and outpatient facilities across the nation, with no prior authorization required for covered services. All covered services at Prime facilities are 100% covered at no cost to the member. Prime Healthcare Network Specialists are available for initial office visits with no prior authorization required.

Prime Healthcare hospitals are committed to providing quality, compassionate care to their patients, investing in community hospitals, and offering comprehensive benefits to ensure their patients receive the best possible care. With their dedicated staff and physicians, Prime Healthcare hospitals strive to make a positive impact in the healthcare industry.

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MERP and prescription drug coverage

A Medical Expense Reimbursement Plan (MERP) is an employer-funded benefit that helps employees manage their healthcare costs by reimbursing them for medical expenses not covered by their group health insurance plan. MERPs can be used alongside a group health insurance plan or offered as the primary health benefits plan.

MERPs can cover a wide range of medical expenses, depending on the structure of the plan. Some plans may reimburse employees for a broad range of medical costs, while others may focus on specific expenses like prescription drugs or dental procedures. For example, a company might offer a MERP that covers only vision and dental costs, allowing employees to submit claims and get reimbursed for eye exams, glasses, and dental cleanings, but not for other health expenses like doctor visits or prescriptions.

When setting up a MERP, employers have the flexibility to determine the types of expenses covered and how much is reimbursed annually. For instance, an employer may choose to offer a MERP that covers prescription drugs, allowing employees to purchase the medications they need and then seek reimbursement from their employer, up to their allowance amount. Employees typically submit claims for reimbursement or use a debit card linked to their MERP, depending on how the plan is structured.

It's important to note that MERPs are IRS-approved health plans, and reimbursements are made tax-free for eligible expenses. Employers can also take advantage of tax deductions for their contributions to MERPs.

In terms of prescription drug coverage, while some MERPs may cover prescription medications, it is not a given that all plans will include this benefit. Employers have the discretion to decide which expenses are reimbursable, and they may choose to exclude prescription drugs from the list of eligible expenses. Therefore, employees should carefully review the details of their company's MERP to understand what is and isn't covered.

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Amazon Pharmacy benefits

Amazon Pharmacy offers a range of benefits to its customers, with some exclusive advantages for Amazon Prime members. One of the key benefits of Amazon Pharmacy is the convenience of being able to skip pharmacy lines and enjoy delivery benefits. Amazon Prime members can take advantage of free two-day shipping and select medications starting at $1 per month. Additionally, Prime members can save up to 80% when paying without insurance. This means that if your insurance co-pay is higher than the Prime member price, or if your medication is not covered by insurance, you can still access your medications at a discounted rate.

Another advantage of Amazon Pharmacy is the ability to easily compare prescription drug prices and save at over 60,000 pharmacies, including Amazon Pharmacy. This allows customers to find the best prices for their medications without having to visit multiple pharmacies. Amazon Pharmacy also offers exclusive discounts for Prime members, with savings of up to 80%. Additionally, eligible manufacturer coupons are automatically applied at checkout, ensuring that customers get the best possible price.

Amazon Prime members can also subscribe to RxPass, which gives them access to the most common generic medications for a flat fee of $5 per month. This subscription includes more than 50 generic medications covering a wide range of common conditions. It is important to note that RxPass is not insurance and has certain limitations, such as eligibility restrictions based on insurance and the state where medications will be shipped.

Amazon Pharmacy also provides 24/7 access to licensed pharmacists, ensuring that customers can always get the support and information they need. Customers can easily transfer or refill prescriptions online and receive their medications delivered right to their door. Amazon Pharmacy also prioritizes privacy and protects customers' medical information in accordance with legal requirements. Overall, Amazon Pharmacy offers a convenient, cost-effective, and secure way to manage prescription medications, with additional benefits and savings for Amazon Prime members.

Frequently asked questions

Prime Medical Insurance is a membership benefit offered by Amazon One Medical for USD 9 per month or USD 99 per year.

Prime Medical Insurance provides 24/7 on-demand virtual care and easy-to-schedule office visits at any of One Medical's locations across the US. It also includes access to the One Medical app, enabling members to message their providers, request prescription refills, and book appointments.

Amazon One Medical offers two options: Membership and Pay-per-visit. The Membership provides ongoing virtual care and a differentiated primary care experience for those living near a One Medical office. The Pay-per-visit option likely involves paying for each appointment separately.

No, you do not need to have health insurance to use One Medical. However, scheduled visits are billed to you or your insurance if you have it.

Prime Medical Insurance offers convenient and affordable access to high-quality primary care. It saves members time and money by providing virtual care and easy scheduling, eliminating the need to wait weeks for appointments.

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