Jovi questions, answered.

No. Jovi is a healthcare membership, not health insurance. It gives you affordable, transparent access to care, including $0 co-pay visits at Jovi Clinics, without the complexity of traditional insurance. It does not satisfy any individual coverage mandate.

Instead of in-network versus out-of-network providers, pre-authorizations, and hidden fees, you pay one flat monthly fee and get reimbursed for out-of-pocket medical expenses through the Jovi app. You choose your own providers and you always know the cost up front.

Members save up to 70% compared to traditional insurance billing. We pass those savings directly to you.

After a visit or a pharmacy pickup, upload the receipt in the Jovi app and we reimburse you directly. If you can't pay up front, upload the bill instead and we pay your doctor or pharmacy directly.

Your deductible is set by age: $1,500 through age 26, $2,000 through 45, $2,500 through 60, and $3,000 after that. It is designed to be reached quickly, and the app shows your progress on a status bar. Once it's met, Jovi covers your eligible expenses with no surprises.

No. There are no network restrictions. See any doctor, specialist, pharmacy, or hospital you want. If you visit a Jovi Clinic, you get $0 co-pays, little to no wait, complimentary refreshments, and a handful of included services.

In-person visits at Jovi Clinics, telehealth consultations from home, prescription refills sent to any pharmacy, labs, IV therapy, vitamin shots, red light therapy, and more. Request care any time from the app.

Yes. Dental is $35 per person per month and vision is $15 per person per month, added to any plan.

Jovi Pass is a $49 one-time priority add-on for a single visit. It moves your appointment to the front of the line with an estimated wait of 0 to 5 minutes. It is optional and non-refundable once used.

Yes. Dogs and cats from 8 months to 20 years old can be added to your plan. Pet coverage starts at $60 per month, includes accident and illness, reimburses 90% after a $500 deductible that is separate from your human plan, and comes with vet visits, vaccination tracking, medication reminders, and pet claims in the app.

Upload the receipt in the app and we process reimbursement promptly, either to you or straight to your provider.

No. Submit a claim whenever you receive care or pick up a prescription.

Yes, from the app at any time. Your coverage continues until the end of your current billing period and nothing is charged after that.

Jovi is currently available in Arizona, Florida, and Texas, with Jovi Clinics opening across those states as our community grows.