FAQ
Questions, answered plainly.
Pick the part that sounds like you.
You and your family
What people ask first.
Is this insurance?
No. Whole Care is a membership for primary care. Keep your insurance for the hospital, the specialist and the emergency.
What does it cost?
On your own, it’s one monthly membership for your household.
- $125 a month
- +$100 for a spouse
- +$50 per child
Through your employer, it’s a benefit they cover. Ask your HR team, or activate if they already offer it.
Can I keep my doctor?
On your own, your Whole Care doctor becomes your primary care doctor. Through your employer, you can keep a doctor you love, and your care team handles everything around them: the referrals, the records and the bills.
What happens after hours?
Message your care team any time. They answer the same day during clinic hours, and you’ll always know where to go when something can’t wait. In an emergency, call 911.
Who sees my health information?
You and your care team. If your employer covers Whole Care, they see only whether you’re eligible. Never your records.
Where are you?
Virtual across D.C., Maryland and Virginia today. Our first clinics open in January 2027.
How do I start?
Book a fifteen-minute intro call with your care concierge. No card, no account.
Employers
What employers ask first.
Is this insurance?
No. Whole Care is a membership for primary care that works alongside the plan you have now. The Mainstay Health Plan, which replaces your carrier, starts quoting in 2027.
What does it cost?
It depends on your group and how you fund it: through an ICHRA, an HRA alongside a higher-deductible plan, or a flat fee per employee if you self-fund. Talk to us, or ask your broker for a quote built on your census.
Can our people keep their doctor?
Yes. Anyone who loves their doctor can keep them, and their care team handles everything around that doctor: the referrals, the records and the bills.
What happens after hours?
Your people can message their care team any time. They answer the same day during clinic hours. In an emergency, call 911.
Who sees our people’s health information?
Their care team. You see eligibility: who is enrolled, and when. Never anyone’s health records.
How do we start?
Talk to us, or bring your broker. We model it on your census, then your people meet their care team.
Brokers
What brokers ask first.
Is this insurance?
No. Whole Care is a membership for primary care that sits alongside any carrier. Your client keeps their plan.
What does it cost?
We quote each group on its own census. Start a conversation and we’ll walk you through it.
How am I paid?
A set amount per employee per month, written into the agreement and disclosed to your client. You stay the advisor of record.
Can my client’s people keep their doctor?
Yes. Anyone who loves their doctor keeps them, and the care team handles everything around that doctor.
Who sees health information?
Only the member and their care team. Your client sees eligibility, never records.
What comes next?
The Mainstay Health Plan, quoting from spring 2027 for groups of 50 to 500.
Still wondering
Ask us anything.
Write to hello@mainstay.health and a person on our team will answer. Or book a fifteen-minute intro call with a care concierge.