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General/How it works

What is VURVhealth?

VURVhealth is a new way for all Americans to save on their out-of-pocket medical costs. Our nationwide database of quality physicians, facilities, and health specialists provides access to low, pre-negotiated cash prices on thousands of health and wellness treatments and services.
We are the cure for high out-of-pocket medical costs. No matter if you’re insured, uninsured, or something in between you may be paying too much for the care you need. VURVhealth helps make health and wellness accessible, affordable, and hassle-free where traditional insurance falls short.

How does VURVhealth save me money?

Most health care providers offer discounted cash prices to patients who pay cash upfront (or “out-of-pocket”) instead of using insurance. VURVhealth negotiates on behalf of our members to lock in EVEN MORE SAVINGS off the cash rate.

Think of your VURVhealth membership like a coupon that you apply at checkout. When you visit a doctor or facility from our database, you’ll save instantly with the lowest possible out-of-pocket rate. There’s no paperwork, hassles, or waiting to be reimbursed.

Who can save money with VURVhealth?

Anyone stuck paying out-of-pocket for their health care can use VURVhealth. Here are a few common cases where VURVhealth can help you save time and money:
When you’re not insured.
When your current insurance doesn’t cover the care you need.
When you’re not meeting a high insurance deductible.

Is VURVhealth insurance?

No. VURV is an affordable solution to high out-of-pocket costs that are common with or without traditional insurance. Our plans provide you with savings on a wide range of health care and wellness services, and you’ll get these discounts when you pay out-of-pocket with the provider instead of using insurance.

I already have insurance. Why do I need a VURVhealth membership?

There are many common insurance cases where a VURVhealth membership could save you money.
Many insurance plans do not include vision or dental. Perhaps you are stuck paying thousands of dollars toward a deductible that you’ll never meet. Or you just have the minimum insurance plan (aka “catastrophic insurance”) that only covers the big stuff. Maybe you’d like to upgrade your insurance to cover more services, but the cost of doing so is ridiculously high.
If you’re insured, but still paying out-of-pocket for the care you need, VURVhealth offers a hassle-free solution at an affordable price.

Will paying for health care with my VURVhealth membership count towards my deductible?

You will need to contact your insurance provider to confirm whether purchases through VURVhealth count toward your deductible. In most cases, the answer will be no.
VURVhealth operates outside of any health insurance coverage you may have. Dealing with insurance reimbursements is a costly hassle for health care providers, so doctors and facilities offer discounts to patients who simply pay cash. VURVhealth maximizes those discounted rates for their members upfront without the hassle of forms or reimbursements.

What about the rest of my family?

Your free VURVRx plan saves on prescriptions for the whole family. Even pets. Showing your Card at the pharmacy check-out will save you instantly, regardless of who the prescription is for.

Is there any additional paperwork or forms to fill out?

Nope. Once you’ve created an account with us and signed up for a VURVhealth plan, you’re done filling out paperwork.

How does VURVhealth make money?

VURVhealth is a subscription service that helps you find quality, affordable options when you’re paying out-of-pocket for health care. We offer access to our nationwide database of discounted providers in return for a monthly fee.
That’s it. We do not sell your information, and we do not make a commission from referrals or your individual treatments.


How do I use my membership?

First, use our convenient app or website to search for the closest providers of the type of health care you need.
Then, when you find the doctor or facility you like, simply use the phone number provided to schedule an appointment with the provider directly. Have your VURVhealth ID ready in case they need it. It’s also a good idea to confirm your appointment the day before and double-check that they’re still accepting VURVhealth plans.
Finally, on the day of your appointment, present your valid VURVhealth ID Card upon arrival so they know to offer you the special cash rates we’ve negotiated with them at checkout.

Where can I use my VURVhealth ID Card?

Our searchable database is constantly updated to keep you informed of the affordable health care options in your area. These options will vary based on your membership level. You can view the database on the VURVhealth app or on our website.

How do I know how much I will spend and save using my membership?

This will vary with every appointment, but know that using VURVhealth means you’re getting the best discount on a provider’s out-of-pocket rate.
Your provider should be able to quote you on the cost of your visit before you arrive. However, this price won’t include any additional treatments or services that may occur during your visit. When you’re paying out-of-pocket, it’s always a good idea to ask your provider about additional costs before agreeing to treatment to avoid surprises.

Network & Providers

I already have a provider I love, can I use VURVhealth with them?

If they’re in our database, yes! However, your VURVhealth Card will not work with providers that aren’t included in the database.

What if a provider from the database doesn’t recognize VURVhealth or my VURVhealth ID?

Not to worry, it’s possible the staff isn’t familiar with VURVhealth. In this case, they can call (866) 770-4151 with questions or for help. This number is also printed on your VURVhealth ID.
It’s also possible this provider has dropped out of our network and the database hasn’t updated yet. We’re constantly updating our database to ensure you’re best informed of your health care options.

I’m shopping around and getting quotes, why are costs different between providers?

One provider may bill the same procedure differently than another, which can lead to price differences. It’s not a bad idea to call ahead and get real numbers over the phone so you know what to expect when you pay for your visit.
Regardless, using VURVhealth will ensure you are getting a provider’s lowest price.

VURVhealth App

How do I update my information?

Updating your information is quick and easy. Simply login to your account through your VURVhealth app or on the website, and update the information directly. Your information will instantly save and update.

How do I change my password?

You can change your password directly in the profile section of the VURVhealth app or within your account on a desktop computer.

VURVhealth Rx

Where can I use my free VURVRx ID Card?

Your free membership works at over 63,000 pharmacies nationwide, including local shops and major chains like Walgreens, CVS, Ride Aid, Walmart, & Target. You can search for the closest participating pharmacy using the VURVhealth app or on our website.

Who is eligible?

All VURVhealth plan members receive a free Rx Membership.

How do I use my Card?

Simply present your digital Card from the VURVhealth mobile app to the pharmacist when you fill or refill a prescription. Discount amounts vary per prescription, with savings as high as 80% off retail prices.

Do I have to show my Card each time I go to the pharmacy?

After your first visit using your VURVRx Card it should remain on file at that specific pharmacy. However, we recommend you present your Card at each visit to be sure you’re getting the savings you deserve.

How do I find the VURVhealth discount price on my medication?

Search our prescription database by inputting your medication and location. Your VURVhealth discount price will be listed with each matching pharmacy.

Why are prices different between pharmacies?

Prices differ from city to city, and even pharmacy to pharmacy, based on the different deals pharmacies make with drug companies, which affect their pricing formulas and this changes constantly. It’s always a good idea to check your prescription against the VURVhealth database before filling and refilling.

Can I use VURVRx to save on over-the-counter medications?

Yes, your VURVRx Card can also be used for over-the-counter medications written on a valid prescription pad with the appropriate GCN/NDC numbers associated with them, and on pet prescription medications purchased at a pharmacy.

Does my Card expire?

No! Your VURVRx Card does not expire.

Are there limits to how often I can use my Card?

No! Your VURVRx Card has unlimited usage, save with it as often as you like.

What if my pharmacist isn’t familiar with VURVRx?

Don’t panic. Some pharmacists aren’t aware of the contracts their pharmacies have with us. They should process the Card like any normal insurance Card, but if they have questions we have a support team ready 24/7 to help at (866) 921-7286. You can also reach out to us directly through our Contact Us page or at support@VURVhealth.com.

What do I do if I have prescription coverage with my health insurance?

The VURVhealth Rx Card can still help those with insurance. Have the pharmacist use the VURVhealth Rx Card instead of your insurance to see if the cost is lower. Oftentimes, our prices on certain prescriptions and brand name drugs are lower than insurance co-pays. See for yourself!

Can the VURVhealth Rx Card help Medicare users?

Although the VURVhealth Rx Card discount can be used as a Medicare Part D supplement by covering drugs once participants reach the “donut hole,” drugs purchased with this discount program will not count toward your Medicare deductible and therefore will not allow you to exceed your deductible and get out of the “donut hole.” We suggest you contact your plan administrator to get the specifics, because not all plans are the same.

Does the VURVhealth Rx Card count towards my insurance deductible?

The VURVhealth Rx Card program will SOMETIMES count towards a deductible. As not all medical insurance plans are the same, we recommend users to contact their plan administrator to get the specific information regarding their medical insurance plan.

VURVhealth Medical

What is VURVhealth Medical Services?

VURVhealth has partnered with ValuePoint by MultiPlan to give members access to medical providers that offer discounts to reduce the balance they owe the provider at the point of service so they’ll know exactly how much they need to pay. This payment is to be made either in full, or per an agreed upon payment arrangement between the member and the medical provider.

How do I schedule an appointment with a VURVhealth medical doctor or service?

Call the phone number associated with the doctor or facility within our directory to directly schedule an appointment. Because we continually update our database of providers, please call the doctor’s office within 24 hours of your appointment to confirm their participation in the VURVhealth ValuePoint program by MultiPlan.

How will the doctor’s office know that I am part of VURVhealth?

Upon arriving at your appointment, present your VURVhealth ID Card directly from the mobile app which features the ValuePoint by MultiPlan logo and member expiration date. You will not be able to participate in the discounted rates if you cannot show your valid VURVhealth ID Card and expiration date.

How do I know how much I owe for my medical office visit?

As an eligible VURVhealth ID Card holder, your discounts are offered only in exchange for payment in full at the time of medical service, or per a payment agreement between you and the medical provider.

There is a provider listed in your network, but when I called to schedule an appointment I was told this provider doesn’t participate with you.

Although we update our database of providers daily, it’s possible that providers drop out of the network or that personnel at the provider’s office are unaware of their participation in the VURVhealth ValuePoint by MultiPlan program. If the provider indicates that they do not participate, please contact ValuePoint by MultiPlan directly at (866) 750-7427 to bring the matter to our attention. This telephone number is also listed on your VURVhealth ID Medical Card.

How do I make arrangements for admission into a medical facility?

For non-emergency services, select your facility from our database and call the admissions office directly to make an appointment and have your questions answered. The facility will require your VURVhealth ID Card information to verify eligibility in the ValuePoint by MultiPlan program over the phone or when you arrive at the facility.

VURVhealth Dental

What is VURVhealth Dental?

VURVhealth members may take advantage of savings offered by an industry leader in dental care. Careington International Corporation is one of the most recognized professional dental networks in the nation and boasts one of the largest dental networks nationally with a focus on neighborhood dentists. Careington networks are a leader in member-transparent pricing with robust fee schedules.

What types of discounts can I expect?

  • Save 20% to 50% on most dental procedures including routine oral exams, unlimited cleanings, and major work such as dentures, root canals, and crowns
  • 20% savings on orthodontics including braces and retainers for children and adults
  • 20% reduction on specialist’s normal fees. Specialties include: Endodontics, Oral Surgery, Pediatric Dentistry, Periodontics, and Prosthodontics where available
  • Cosmetic dentistry such as bonding and veneers also included
  • All dentists must meet highly selective credentialing standards based on education, background, license standing and other requirements
  • Members may visit any participating dentist on the plan and change providers at any time

What if I’m unhappy with my service and want to change the dentists?

Members may visit any participating dentist on the plan and change providers at any time. All dentists must meet highly selective credentialing standards based on education, background, license standing and other requirements.

VURVhealth Vision

What is VURVhealth Vision?

VSP Vision Savings Pass is a discount vision program that offers savings on eye care and eyewear. With the best choices in eyewear, VSP makes it easy to find the perfect frame. Members can choose from great brands like Anne Klein, bebe®, Calvin Klein, Flexon®, Lacoste, Nike, Nine West, and more.*

What types of discounts are included?

  • Members receive:
    • Access to discounts through a trusted, private-practice VSP doctor
    • One rate of $50 for eye exams**
    • 15% savings on contact lens exams***
    • Special pricing on complete pairs of glasses and sunglasses
    • Unlimited use on materials throughout the year
    • Exclusive Member Extras and special offers
    *Brands subject to change
    **This cost is only available with the purchase of a complete pair of prescription glasses; otherwise you’ll receive 20% off an eye exam only.
    ***Applies only to contact lens exam, not materials. You’re responsible for 100% of the contact lens material cost.
    Not available in WA.

VURVhealth Alternative Health

What is VURVhealth Alternative Health?

The ChooseHealthy® program provides members with access to a wide variety of credentialed specialty health care practitioners.
With this program, members can:

  • Receive a 25% discount off regular fees for services from more than 37,000 contracted chiropractors, acupuncturists, massage therapists, registered dietitians, physical/occupational therapists, and podiatrists.
  • Access practitioners directly without a physician referral and may change practitioners at any time.
  • Members may browse and purchase a broad selection of health improvement and wellness products fulfilled by the Amazon® online store.

Do I need permission to change participating providers in the middle of a treatment plan?

No. You may change providers at any time.

Is this a covered benefit under my health plan?

No, this is not an insurance plan. VURVhealth members receive a 25% discount off regular fees for services from more than 37,000 contracted chiropractors, acupuncturists, massage therapists, registered dietitians, physical/occupational therapists, and podiatrists.

Chiropractic care, podiatry, physical therapy, and occupational therapy are already included as part of my health plan benefit. How does this discount program impact my current benefit?

If you have a chiropractic, podiatry, physical therapy, or occupational therapy medical benefit under your health plan, you may want to use this discount program after you have reached your annual plan limits, or for services not covered under that benefit.

Do I need a referral or pre-authorization?

No. Whether you are an HMO, POS or PPO member, you do not need to get referrals or pre-authorizations to take advantage of this discount program. Just follow the three-step process of: 1) selecting a participating provider, 2) scheduling an appointment, and 3) receiving and paying for services.

Do I need to submit claim forms?

No. Since this is not insurance, there are no forms or paperwork to fill out.

Other Questions

My question wasn’t answered in the FAQ, how do I get help?

We’re always here to help. Use the Contact Us page on our website to get in touch or shoot us a note at support@VURVhealth.com.