Independent workers
Personal care and medical-expense support without the high cost of an employer plan.
A new kind of health coveragefor the modern age
An alternative to traditional health insurance
and the usual doctor experience.
Concierge medical care, everyday health coaching, and community funding for eligible major medical expenses.
$319average cost per month
2 blood panels/yrWith personal reviews
1 on 1 careA clinician who knows you
More of what
you need
Less each month
Pay less each month for care you actually use. Get your own concierge clinician, regular blood panels, and everyday health coaching, plus community funding for eligible major medical bills. Your money goes toward staying healthy, instead of high premiums for care you only use when you’re sick.
MONTHLY COST
You save per year$5,064
*Comparison uses the $741 benchmark in our current draft. Premiums, subsidies, benefits, and member responsibilities differ. Sapien is a membership, not health insurance.
No employer health insurance?This is built for you
Founders & entrepreneurs
Spend less on health coverage and get more personal care while you build your business.
People ready for a change
Ready for a more personal, proactive approach to your health.
Ready to leave sickcare?
Get more from your health coverage
An alternative to health insurance
Your own clinician to keep you well, plus community funding for eligible medical events. Care you can use all year.
Your clinician is part of your everyday health.
Message your own concierge clinician, review two blood panels each year, and get personal guidance to help you feel better and catch concerns early.
A community that funds eligible medical bills.
For an eligible health event, you pay a $500 Member Commitment. The remaining eligible expenses are submitted to the community for crowdfunding, with a care advocate guiding you through the process.
Spend less. Use your care more.
Sapien Complete averages $319 per month, bringing personal care, daily health coaching, and medical-event funding into one membership.
Care for everyday life
Support for the unexpected
Your own concierge clinician
Someone who knows your health history and is just a message away.
- One-to-one clinician reviews
- Message your clinician anytime
- Two blood panels every year
Funding for medical events
Community funding for eligible medical expenses beyond your $500 Member Commitment.
- Funding for eligible medical bills
- Help navigating major expenses
- Medical-bill negotiation support
Everyday guidance
Build a healthier life, one choice at a time.
- Coaching across five areas of health
- Food-quality insights
- Simple health and habit tracking
Someone who knows your name
And your history
Your own concierge clinician
Your own concierge clinician gets to know you, reviews your blood results, and helps you make a plan for your health. Send a message anytime you have a question, including between appointments.
4
Personal reviews each year.
Message your clinician anytime, even between check-ins.
Two blood panelsEvery year
See your blood results, reference ranges, and trends clearly in Sapien. Understand where each result sits and what has changed over time.
Talk through your results with your clinician.
Review your results directly with your clinician in a personal conversation about what they mean for you.
SAPIEN / YOUR BLOOD RESULTSLatest panel · July
A clearer view
of your health.
HbA1c
● Within rangeReference: 4.0–5.6%
Previous: 5.4%↘ 5.2% now
Triglycerides
● Outside rangeReference: below 150 mg/dL
Previous: 176 mg/dL↘ 168 now
Lower than last time.
Still outside the reference range.
Still outside the reference range.
When the unexpected happens,
we help with the bills
A little more
peace of mind.
$500 per health event.
For a health event, you pay the first $500 as your Member Commitment. Related visits, treatment, and follow-up care are grouped into that event.
From treatment to bill payment.
Your care advocate guides you through planned care, unexpected medical events, and the process of funding your bills.
Community funding for medical bills.
The remaining expenses are submitted to the member community for crowdfunding, with support through the bill-payment process.
Benefits beyond
the basics
More ways your membership helps you get the care you need
Annual wellness visitsUp to $300 in funding each year
Annual preventive care, with up to $300 coverage for one annual wellness event each year. Choose the visit that fits your needs: a physical, a gynecological exam, or any other preventive service you feel is important.
Help finding a specialistA person to help you find the right care
A care advocate helps you find qualified doctors offering fairly priced, self-pay care, drawing on a nationwide directory that includes physicians vetted by the care team or recommended by members. Get personal help narrowing your options, so you can spend less time searching and feel more confident about where to go.
Prescription savingsA discount card for your medications
Pay less for the medications you need with a member prescription discount card. Access discounted pharmacy pricing that can help make filling prescriptions more affordable, whether you need a short course of medication or take a prescription regularly.
Medical-bill negotiationSomeone to handle the back-and-forth
An experienced advocacy team works with hospitals and providers to negotiate fairer prices, using real billing data and past outcomes to challenge inflated charges. You get someone in your corner handling the back-and-forth, helping reduce the financial burden and the stress of dealing with it yourself.
Unlimited virtual talk therapySessions eligible for community funding
Connect with a licensed therapist online from the privacy of home, whether you’re managing stress, navigating a difficult season, or simply need someone to talk to.
Maternity supportGuidance from pregnancy through postpartum
Focus on your growing family with support for both your care and the costs along the way. Eligible prenatal care, labor and delivery, and postpartum expenses are treated as one pregnancy event. You pay the first $3,000; remaining eligible expenses can be submitted for funding, with guidance to help you navigate the process.
Quarterly health-testing offersMember discounts on selected tests
Members can choose from rotating offers on selected health tests at discounted prices. Previous quarterly specials have included:
- DEXA scans
- VO₂ max testing
- Coronary artery calcium (CAC) scoring
Tests are optional and provided at discounted prices to members.
Build your best healthFeel better every day
Get ahead of health problems.
Get personal guidance on food, sleep, movement, and daily habits to help you look and feel better. Build better health now and reduce your risk of problems down the road.
Your daily
direction.
direction.
Food
Sleep
Environment
Connection
Movement
TODAY’S SUGGESTION
Take a short walk after lunch.
Invite someone along.
A new way to
understand nutrition
Log your meal with a photo, your voice, or a few wordsNo calories, no measurement
Your lunchMEAL RECOGNIZED
Sliced beef, potato, green beans.
Review. Confirm. Done.
See the quality
of your meals
NEQ compares nutrients to energy so you can find foods that give you more nourishment for the calories.
YOUR PLATE’S FOOD SCOREExample meal
Individual foodsNEQ
- Beef
- 114
- Potatoes
- 88
- Green beans
- 126
Put your health first
Start today
Get to know your health, make a plan with your clinician, and see how your daily choices add up over time.
Join waitlistSee your progress
Your starting pointWorking toward your goals
Sign up in minutes
When enrollment opens, choose your membership and take the first step toward your health coverage in just a few minutes.
Meet your clinician.
A 45-minute intake, your first blood draw, and a one-to-one review of your results.
Track your progress.
Follow your habits and blood results over time, with guidance to help you keep improving.
Sapien Complete
Your health,
brought together
Everyday guidance. Personal care throughout the year. Coverage for the unexpected.
Everyday guidance
Personal health coaching, food-quality insights, and simple tracking for your habits and health.
Personal care
Concierge clinician access, two annual blood panels, and one-to-one reviews of your results.
The unexpected
Support for eligible major medical expenses, with help navigating and negotiating bills.
Life isn’t one-size-fits-all.
Your membership doesn’t have to be.
Already have a clinician? Already have coverage for major medical expenses? You can customize which parts of Sapien you include during enrollment.
Start with the full picture.
Tailor it to what you need.
Financial support for eligible medical expenses is not insurance. Eligibility and program terms apply; funding is not guaranteed. Final membership pricing depends on the options you choose.
Frequently asked
questions
Is Sapien Health insurance?+
No. Sapien is a membership that combines everyday health guidance, clinician care, blood testing, and a medical-expense funding benefit. Instead of an insurer paying claims, a community helps fund members’ eligible medical bills.
What happens if I have a major medical expense?+
For an eligible health event, you pay a $500 Member Commitment and the remaining eligible expenses are submitted to the community for crowdfunding. Different commitments apply to certain events, including maternity. Funding is subject to the Member Guide and is not guaranteed.
Will I have a real clinician?+
Yes. The concierge-care benefit includes a relationship with an assigned clinician, two blood panels each year, four personal reviews each year with your clinician, and the ability to message them anytime between scheduled visits.
What is the NEQ score?+
NEQ looks at the nutrients a food provides relative to its energy (calories). It helps you see how much nourishment you’re getting from what you eat, compare foods, and make choices that support a healthier diet. Think food quality, rather than a calorie budget.
What if I already have a doctor or health insurance?+
No problem. You can use the Sapien app and choose the parts of the membership that fit your needs during enrollment.
Can I change or cancel my membership?+
Yes. Manage your membership through your account and change or cancel at any time.
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