#Folx health reviews full

They choose their medications and services through our informed consent model. We made FOLX a self-pay service so we could restore a sense of control for our members.īy avoiding health insurance, our members control every aspect of their care. And even if we get through all of that, our medications may still get changed at the pharmacy without our consent, and on top of that we may end up paying most of the costs out of pocket anyway because of high co-pays and deductibles. Much of the care we want isn’t even covered, and when it is, we often have to go through elaborate pre-approval processes and bureaucratic barriers. This is made worse by an insurance system that often does not cover essential queer & trans services such as Gender Affirming Surgery or Reciprocal IVF.Īdd to that, the fact that many doctors won’t prescribe the medications we need, don’t understand our bodies and if they do, they require many layers of unnecessary gatekeeping. The current system is confusing, expensive & discriminatory. Today, however, most queer & trans folx experience a unique system of barriers that makes great care inaccessible. And when the day comes when everyone has equal access to health insurance, and that health insurance covers all of the health care that queer and trans people need, we will be delighted to accept insurance. We believe wholeheartedly that healthcare is right and not a privilege.

We understand that our choice to cut the insurance middlemen may make our services too expensive for some. While most of our members will be paying in cash, those with Health Savings Account (HSA) or Flexible Spending Account (FSA) plans under their insurance can still absolutely use those to cover their FOLX costs. For those with insurance, FOLX membership costs are still HSA/FSA eligible. We believe the convenience, control, and safety are worth it. Similar to medication cost, there are a lot of unknowns with in-person visits: will there be a waiting list for an appointment? Will the staff be queer-and-trans friendly? Will the staff be queer-and-trans competent? How much will the visit cost? How much of the visit cost will insurance cover? How far is the visit from where I live? Will I have enough time in the appointment to ask what I want to ask? At FOLX, we build clinical time with our queer-and-trans providers into our membership costs to ensure access, not just generally, but through unlimited messaging with clinicians, and dedicated 45-minute appointments to ensure we’re not rushing anyone in-and-out. We build in cost for clinical time into our member price. We believe the convenience of set prices and direct-to-your-door shipping come at the highest value. FOLX has pre-negotiated rates for our prescription products with our mail-order pharmacy vendor in order to give one clear answer on medication cost. What we can guarantee are our medication costs. We can’t guarantee the cost of medications at pharmacies, we can’t guarantee pharmacy inventory, we can’t guarantee insurance coverage of pharmacy costs, we can’t guarantee queer-and-trans-friendliness at a pharmacy. We ship medications to give members control over price. Access to services specific to the queer and trans community that aren’t always included under insurance because of heteronormative and cisnormative practices that have built the current insurance systems.

#Folx health reviews full

Full member agency over choice in care, medication, services (without interference from bureaucratic policy rules).

Simple, hassle-free services delivered straight to your home (saving time and money).

Medication & lab pricing, with no hidden costs, shipped straight to members’ doors.

By charging up front, without insurance, FOLX is able to provide: That means paying for insurance, but paying another ~$1,644 before insurance will actually cover anything. The average deductible for 2020 was $1,644. Hear us out.įOLX costs in cash are generally less than what most people pay out of pocket for co-pays and deductibles.

FOLX doesn’t accept insurance, and is a “self-pay” service. Our current healthcare system is locked into an insurance scheme that incentivizes insurance companies to skimp on care and providers to make decisions on behalf of patients based on how they get paid.