No. Your membership in Crossover is a complement to the health insurance you have now, not a replacement. Should you need care beyond what is offered from Crossover’s Medical Group, or require urgent or catastrophic medical treatment, your health insurance plan offers important financial protection. We recommend that you maintain adequate health insurance throughout your Crossover membership.

For members who have access to Crossover through an employer sponsored benefit, we work directly with your employer and insurance to cover your annual membership fee and the care services provided by Crossover. We will bill you for your visit fees, if any, or for other services that are not covered by your membership (such as specialty lab work or enhanced care services, like acupuncture or vision care) based on your benefits and insurance guidelines. For members with individual self-paid memberships, we do not accept your insurance. For all members, lab work and in-person referrals will be billed according to your health insurance guidelines. Should the Crossover team refer you to a provider outside of what Crossover offers, we will match you with a provider that is in-network for your specific health insurance plan.

Yes. We hire our own staff of board certified, state licensed doctors and other qualified care providers. When you activate your Crossover membership, you will be connected with a designated care team with expertise in primary care (doctor and nurse), physical therapy, mental health, nutrition, fitness and care coordination.

With most telemedicine providers, you get a new doctor for every visit— making it difficult to have meaningful conversations about your ongoing medical needs. With Crossover, you will see the same primary care doctor, mental health therapist, physical therapist, and health or fitness coach each time you need care. Moreover, your Crossover care team will proactively reach out to you to be sure you are feeling better, answer questions about your care plan, and help maintain a healthy lifestyle. Unlike telemedicine providers, the Crossover care model supports long-term relationships that ultimately result in better health outcomes.

Both. For online care, you can message back and forth with your care team anytime on the patient portal or you can schedule video appointments, when needed. If you live near one of our shared health centers or have access to a private on-campus center through an employer, you can also schedule in-person appointments with their Crossover care team. If in-person care is needed and you do not live near a shared health center or do not have access to a private on-campus center, your Crossover Care Navigator will help you schedule in-person visits with in community providers and arrange for any needed tests or lab work.

Crossover is available to adults age 18 and over, as part of an Aetna-sponsored membership or insured through one of our employer partners. Go to "What you get" for what's included in a Crossover membership.

Yes. We serve many innovative companies with employees across the U.S. Our model is a highly-rated employee benefit with sustained 93% member satisfaction, improved population health outcomes, and lower healthcare costs. Contact us if you are interested in learning more about how Crossover Health can benefit your business.