Frequently Asked Questions

A: Branch Health Network is a healthcare discount program. It offers access to lower-cost, cash-pay healthcare from participating providers.

A: No. Branch Health Network is not insurance. It’s a membership-based program that provides access to discounted rates from a network of cash-pay healthcare providers.

A: Anyone can join – especially individuals without insurance or those who prefer to pay cash for healthcare services.

A: Currently, Branch Health Network is focused on building its provider network across Texas.

A: Members always pay less than the comparable Medicare rate, thanks to negotiated cash prices with providers. There are no hidden fees or insurance markups.

A: We are currently building our network across the state of Texas. When the network becomes active, Members will be able to search for participating cash-pay providers in their area through our website.

A: If you fill out a Letter of Interest, we will email you to let you know when the network becomes active across all of Texas. Until then, we are continuing to onboard providers, build regional partnerships, and expand access so that when we launch fully, both patients and providers can benefit from a simple, affordable alternative to traditional insurance.

A: You present your Branch Health membership card, pay upfront at the time of service, and receive a receipt or superbill from the provider.

A: Yes. One of the benefits of Branch Health is clear, upfront pricing at the doctor’s office with no surprise bills or insurance games.

A: Branch Health reduces administrative burden by eliminating prior authorizations, claims, and insurance paperwork. You get instant credentialing and are paid upfront by members at the time of service.

A: Just submit a Letter of Interest. Branch Health will contact you by email and send you an agreement for review and electronic signature – no credentialing process is required.

A: No. Branch Health Network is cash-pay only. Providers receive payment at the time of service and never need to submit claims or request prior authorizations. Members can later choose to submit their own claims for reimbursement, but providers are not required to assist with this process.

A: Simply verify the member’s status with their membership card, provide care, issue a receipt or superbill with the negotiated rates, and collect payment directly.

A: Branch Health is a discount healthcare program, not insurance. We avoid the complexity of insurance – no delays, no middlemen, no claim denials. It’s simple, direct, and more affordable.

A: Yes. Some people with high deductibles or limited coverage choose to use Branch Health to pay cash and avoid insurance hassles altogether. If you choose to use Branch Health alongside insurance, you will be responsible to submit any claims and documentation to your insurance for possible reimbursement. Because of the cash-pay relationship, the provider’s office will not be responsible to submit claims or respond to insurance inquiries. Please verify with your insurance whether they are able to reimburse you for your cash-pay services when the provider is outside your insurance’s network.

A: In many cases, yes. Since Branch Health services are paid directly to providers for qualified medical expenses, you can typically use Health Savings Accounts (HSA) or Flexible Spending Accounts (FSA) at the doctor’s office. However, it’s a good idea to check with your plan administrator to confirm eligibility. You cannot use HSA or FSA to pay for the Branch Health membership fee.