The best analogy we like to use is that insurance functions like a buffet and Mira functions like a Costco.
And just like a buffet where the more you eat, the the more money the restaurant loses. In this case, insurance charges $400-$800 a month per member and generates profits by minimizing losses aka reducing the amount of healthcare being used.
This model of care is flawed because (1) it works against the member interests and (2) it doesn't incentivize healthy behaviors ("I pay a lot for insurance so why should I get preventative care when I can go to the ER and hospitals instead").
Instead of relying on lower healthcare ultilization to generate profits, Mira charges members a small monthly fee to cover our operations and negotiates on our members behalf for the best rates just like a health insurance does.
When needing care, you can find and book directly on the Mira app, and pay for your copays as you would like a traditional health plan.
Sign up now.