Is Prescience insurance, or something else?

Prescience is the modern health-benefits experience behind your employer's plan. Your employer offers the plan; Prescience runs the app, contracts directly with the doctors and hospitals in your network, and helps handle claims.

What if my current doctor isn't in network?

Search for them in the app the first time you open it. The Prescience network combines directly-contracted providers with a curated Tier 1, and most members find their existing primary-care doctor on day one. If we don't have your doctor, you can request they join, and we'll reach out directly.

How does the just-in-time HSA actually work?

Your HSA is triple-tax-advantaged: contributions go in pre-tax, grow tax-free, and come out tax-free for eligible expenses. Prescience funds up to about $1,700 a year, and the balance rolls forward, it's yours to keep. You can spend it on eligible health expenses or items in the Prescience Marketplace (WHOOP, Eight Sleep, Function, Oura, and more).

How do I get my ID card?

Your insurance card lives in the Prescience app from the morning your coverage starts. No waiting for the mail. You can show it at any provider, add it to Apple Wallet or Google Wallet, or pull up a PDF if a clinic needs one.

What happens in an emergency or when I travel?

Emergencies are always covered. Go to the nearest emergency room and call us when you can. While traveling in the US, the Tier 1 network covers you in every state. International travel is covered for emergencies; tap the in-app SOS button and a Prescience MD will coordinate care.

How do I reach a real human?

In the app, tap Get Help for a Prescience MD or care navigator. By phone, the number is on the back of your in-app card. Average answer time is under a minute, 8am–8pm in your local time zone, with on-call MDs available 24/7 for medical questions.

For Members

Finally, a health planyou can trust

Prescience promises a new experience with health insurance, built for you. No deductibles to chase. No surprise bills. Care that is fast and accessible. A healthcare company that helps you stay healthy!

Already a member? Sign in.

Prescience members relaxing on a rooftop terrace

Deductible

$0*

Stop paying for insurance you already bought

Visit copay

Transparent

Predictable, every time.

Out of pocket max

$1000

Affordable at your best, Protected at your worst

Tax savings

HSA Eligible

Like a free salary bonus

What it costs you

We make healthcare affordable

Most health plans bury the actual cost in 90 pages of policy language. Yours doesn't.

Premium
$0/mo
Your paycheck stays whole. Your employer funds the plan, you get the benefits.
Copay
$15per visit
Know the price before you book. Every specialist, every imaging order, every script.
HSA
$1,700/yr
Triple-tax-advantaged dollars land in your wallet, pre-tax in, tax-free growth, tax-free out. Up to $1.7K/yr.

Exact copays and contributions depend on the plan your employer configures. Numbers above reflect the Prescience Diamond plan our design partners run today.

Your benefits, compared

See how your benefits stack up

From everyday care to the unexpected, see what each plan offers you.

Prescience Diamond, FAANG and typical small employer health benefits
Benefit	PrescienceDiamond	FAANGBig-tech benchmark	Typical small employerSmall-employer benchmark
Coverage level	Above Platinum	Platinum-level≈92% of care costs	Bronze / Silver60–70% of care costs
Annual deductible	$0Effective deductible	$0–$500	$2,631Small-employer average
Out-of-pocket maximum	~$1–2k	$2–4k	$3–6k
What you pay for care	Upfront copays0% coinsurance	10% coinsurancePlus copays	20–30% coinsurance
HSA support	HSA eligible~$3k in family tax savings	HSA eligibility or low-deductible benefitsTypically a choice between the two	Varies
Network	PPO + Prescience NetworkNo PCP referral needed. More ways to see doctors faster, at low cost, even in hard-to-reach areas.	PPO	HMOLimited to the local area
Ancillary benefits	GLP-1s for all medical indicationsFree genetic testing, blood testing and a wearable for eligible employees.	Some wellness apps	None
Help getting care	24/7 Care CompanionCalls doctors for you and handles your records, saving hours.	Call centers	Call centers

Ask to see a sample employee guide for more information on the costs of specific care. Illustrative plan designs; actual benefits vary by employer, plan and eligibility. Out-of-pocket ranges are annual, in-network individual limits. GLP-1s and ancillary benefits are subject to medical necessity and plan terms; provider access and cash-pay reimbursement depend on the plan.

The ~$3k HSA example assumes an eligible family contributes the full $8,750 limit for 2026 at an illustrative 34% marginal tax rate. Actual savings depend on contributions and tax circumstances; this is not a cash bonus. Sources: Prescience YC Health Report (coverage benchmarks); KFF 2025 (small-employer deductible, among plans with a deductible); IRS 2026 HSA limits.

Your experience

Healthcare you'll love

Prescience gives you the healthcare experience you always wished you had.

Your dossier · Confidential

Welcome to Acme, Inc.

Your Day 1 benefits packet, waiting in the app the morning your coverage starts.

Group: Acme, Inc. · 240 employees
Plan: Prescience Diamond
Network: Direct + Tier 1, curated
Coverage: 100% in-network
Effective: May 2026
HSA: Just-in-time funding

Prescience AI Care Companion: symptom triage with a Prescience MD on call, informed by wearable data and your medical records

Instant Triage

24/7 Companion.

Describe how you feel. The AI companion incorporates data from your wearables alongside your medical records to get ahead of health issues before they become problems. We also loop in real Prescience MDs where needed who help triage your case instantly and route you to the right care.

Wearable data incorporated with your medical records
Health risks addressed before they become problems
Real Prescience MDs loop in when it matters
Routed to the right care in minutes, not days

Prescience app: find an MRI near you, with transparent prices and same-day availability

Getting Care

Find care, instantly.

No more outdated directories or surprise bills. Search for any service and see real wait times and upfront copay rates before you book.

Real wait times from contracted providers
Upfront copay rates with every booking
Same-day or next-day availability

Prescience app: your HSA wallet with just-in-time funding and curated marketplace

Balance$0.00

Just-in-time HSA

An HSA that funds itself.

With Prescience, contributions land in your triple-tax-advantaged HSA, money goes in pre-tax, grows tax-free, and comes out tax-free for health. You save, and your balance is always yours.

Triple-tax-advantaged: pre-tax in, tax-free growth, tax-free out
Up to $1,700 per year, reclaimed for you
Spend on the Prescience Marketplace: Eight Sleep, WHOOP, Function, Oura
Past contributions roll forward into quality-of-life years

Nametag

Prescience

Health Insurance

PLATINUM

Member: Hari Seldon
Member ID: PRS-2026-1042
Group: Acme, Inc.
Plan: Diamond · Direct + Tier 1
Rx BIN: 004336
Effective: 05/01/2026

Insurance

HSA debit

Next step

Bring Prescience to your team

You're tired of calling a 1-800 number off an old directory. Prescience centers your care with a 24/7 care companion, plan documents you can actually read, and affordable, transparent options. No more denials, delays, and deductibles.

Tell your employer →Already a member? Sign in →

A real visit, end to end

Care that just works

Care as easy and transparent as booking an Uber.

1
Enroll
Traditional insurance
Confusing plan documents, employee pays extra per month.
Prescience
Easy enrollment via portal. $0 premium share for employee. Keep HSA contributions.
2
Find care
Traditional insurance
Call one by one. Long wait times, not accepting new patients.
Prescience
Use the Care Companion to find the right in-network care setting fast. Some care handled in app.
3
See a doctor
Traditional insurance
High deductibles, facility fees, random denials and bills.
Prescience
Transparent costs upfront and tax-advantaged payments for eligible expenses to help you save.
4
Stay supported
Traditional insurance
Insurance doesn't care about your health post-care.
Prescience
24/7 companion for every health need, and health data integration to keep everything easy.