MIRA®: Healthcare You Can Afford - Urgent Care, Lab Tests, Prescriptions

Frequently Asked Questions

What is Mira exactly?

Mira is a non-insurance health benefits that helps you get affordable essential healthcare. Mira costs 10X less than a traditional health insurance plan. Each Mira members save $2000-$3000 on average in out of pocket expense a year. See available plans.
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You can use Mira as a standalone solution to get essential care, or add a catastrophic plan on top to get hospital and ER visits covered. Because Mira only costs $25-$60/mo (vs. $400-$800/mo for insurance), Mira is yet to cover hospitals or ER stays.

Mira doesn't discriminate against pre-existing conditions, job status, or legal status. You are looking for health insurance only, please click here instead

How is Mira so much cheaper than insurance?

The best analogy we like to use is that insurance functions like a buffet and Mira functions like a Costco.

Insurance: like a buffet where the more you eat, the the more money the restaurant loses. In this case, insurance charges $400-$800 a month per member and generates profits by minimizing losses aka reducing the amount of healthcare being used.

This model of coverage is flawed because (1) it works against the member interests and (2) it doesn't incentivize healthy behaviors ("I pay a lot for insurance so why should I get preventative care when I can go to the ER or hospitals instead").

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Mira: Instead of relying on lower healthcare ultilization to generate profits, Mira charges members a small monthly fee to cover our operations and negotiates on our members behalf for the best rates just like a health insurance does.

When needing care, you can find and book directly on the Mira app, and pay for your copays as you would like a traditional health plan.
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Sign up now.

I am only interested in insurance. How can Mira help me?

Mira is a much more cost efficient way for you to get essential care with or without insurance.
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Having coverage doesn't always guarantee affordable care. Most health insurance plans come with a deductible of $2000-$6000. According a study by the AAF, 80%-90% of Americans will never reach their deductible. This means you are responsible for 100% out of pocket for most services in a given year.

Because commercial insurers contract with medical providers at the highest rates, you often end up paying the highest price for the same service compared to Medicare or Mira.

For example, insurance carrier contracts with the lab at $200-$500 for an annual bloodwork. If you have not reached your deductible, you are responsible for that entire amount. With Mira, an annual bloodwork is $49 flat copay, and you can book and get tested the same day with results available in 48 hours.

You can also get urgent care, other lab tests, and prescriptions at a much lower rates with Mira. See services here.

What does Mira cover?

Mira covers preventative, urgent care, lab tests, prescriptions, and gym discounts. New benefits coming in September-October: virtual primary care, behavioral therapy, psychiatric visits.

There are 1100+ clinics, 1600 labs, and 60,000 where services are available, in 35+ states. Click here to see locations near you.

Can I avoid the tax penalty with Mira?

The individual mandate was effectively repealed at the federal level as of 2019 tax year, meaning you won't pay any fine at the federal level.

There are some states that had installed an mandate such as CA, DC, NJ, RI and VE. However, if health insurance plans available are exceeding 8% of household's income (varies based on states) - aka if it costs more than $366/month for someone who is making $55K/year - you could file for a waiver online.

Mira is not qualified as an insurance, therefore you are not qualified to avoid the mandate in selected states at this point.

Can I get Mira for my company?

Yes. We offer plan for employers, you can access it here.

We designed a more affordable way for you to get the care you deserve.

Deductible
(you pay full price before hitting this amount)

Monthly Premium

Annual Premium

$396

Doctor Visits
(urgent care, Flu, broken bones, etc)

Lab Tests
(blood work, STD check, A1c, lipid)

Prescriptions

Catastrophic Accidents
(hospital stays or ER visits)

Estimate Annual Out-of-pocket
(For an average year)

One simple option

$25 - $60

Nope!

$49 - $99 copay

$19+ copay

Up to 80% discount

Add catastrophic plan
(We don't provide this but we can help you find one.)

$712+

$300 - $540

$7,188

$600

$4,700
(What you pay before insurer will pay)

You pay 100%
(Pay 50% after deductible)

You pay 100%
(Pay $50 after deductible)

You pay 100%
(Pay $10-$70 after deductible)

You pay 100%
(Pay 50% after deductible)

$1,225

$215

$55 copay

$35 copay

$10 - $60 copay

$100 - $500 copay

$14,700

Bronze Plan

Platinum Plan

See Available Plans

Frequently Asked Questions

How it works?

Mira helps you get healthcare services for up to 80% less than paying out of pocket or going through insurance.

We designed a more affordable way for you to get the care you deserve.

Deductible
(you pay full price before hitting this amount)

Monthly Premium

Annual Premium

Doctor Visits
(urgent care, Flu, broken bones, etc)

Lab Tests
(blood work, STD check, A1c, lipid)

Prescriptions

Catastrophic Accidents
(hospital stays or ER visits)

Estimate Annual Out-of-pocket
(For an average year)

One simple option

$300 - $540

$7,188

$14,700

Bronze Plan

Platinum Plan

World-class customer service you will love.❤️

Easy. Affordable. Transparent.

But what else?

Powered by technology.

Find. Book. Pay.
Using the Mira App.

Super portable.

No employment needed.

World-class member care.

Even if we don't offer it, we can help you find it.

Frequently Asked Questions

How it works?

Mira helps you get healthcare services for up to 80% less than paying out of pocket or going through insurance.

We designed a more affordable way for you to get the care you deserve.

Deductible (you pay full price before hitting this amount)

Monthly Premium

Annual Premium

Doctor Visits (urgent care, Flu, broken bones, etc)

Lab Tests (blood work, STD check, A1c, lipid)

Prescriptions

Catastrophic Accidents (hospital stays or ER visits)

Estimate Annual Out-of-pocket(For an average year)

One simple option

$300 - $540

$7,188

$14,700

Bronze Plan

Platinum Plan

World-class customer service you will love.❤️

Easy. Affordable. Transparent.

But what else?

Powered by technology.

Find. Book. Pay. Using the Mira App.

Super portable.

No employment needed.

World-class member care.

Even if we don't offer it, we can help you find it.

Join Mira.

Create account online

Or talk to a human

Deductible
(you pay full price before hitting this amount)

Doctor Visits
(urgent care, Flu, broken bones, etc)

Lab Tests
(blood work, STD check, A1c, lipid)

Catastrophic Accidents
(hospital stays or ER visits)

Estimate Annual Out-of-pocket
(For an average year)

Find. Book. Pay.
Using the Mira App.