ful.Health
ful.Health operates ful.CashPay, a non-insurance mobile healthcare subscription offering unlimited virtual care, prescription savings, hospital bill support, and price transparency for uninsured and underinsured U.S. households at $16.99/month and for part-time-employer groups at $12.99 PEPM.
- Company typePrivate
- Founded2024
- HeadquartersDubuque, United States
- Headcount1–10
- GTM typeB2B and B2C
- OfferingSoftware
What ful.Health does
ful.Health is a mobile-first healthcare navigation company built around a non-insurance subscription product, ful.CashPay, which targets the roughly 42% of U.S. households that fall below the ALICE threshold — working families earning too much to qualify for Medicaid but unable to afford traditional health insurance. The platform combines an iOS/Android consumer app with an employer benefit channel (sold to restaurants, hospitality, retail, gaming, and logistics employers for $12.99 PEPM, while individual consumers pay $16.99/month household pricing). It packages physician-first virtual care via CirrusMD (60-second physician access, 24/7/365, unlimited $0 visits), a cash pricing marketplace via Tendo, pharmacy discount search via MedOne, hospital bill negotiation and financial-assistance navigation via Goodbill, and gamified healthcare education via Quizzify (Harvard Medical School-authorized content across 200+ scenarios). Complementary modules include ful.View for traditional health plan groups and ful.HSA for HDHP groups, plus a Turnover Impact Calculator aimed at HR and operations buyers.
The business model is straightforward subscription recurring revenue on both consumer ($16.99/month per household, covering adults and children up to age 26) and employer ($12.99 PEPM, sometimes priced as low as ~$6 per part-time employee) sides, supplemented by free tools designed to drive top-of-funnel demand generation. ful.Health is incorporated as ful.Health LLC in Iowa, USA, and is reported as privately held and self-funded with no disclosed venture or private equity rounds. Distribution blends a direct sales motion to employers, channel partners (Blackwell Captive Solutions, TPAs, brokers), and direct-to-consumer app-store acquisition, with secondary lines including the Turnover Impact Calculator and Harvard-reviewed education content used to validate outcomes (notably a cited 32% turnover reduction among uninsured workers using CirrusMD virtual care).
ful.Health firmographics
Firmographics- Name
- ful.Health
- Legal name
- ful.Health LLC
- Website
- https://ful-health.com
- Company type
- Private
- Founded year
- 2024
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- ful.Health operates ful.CashPay, a non-insurance mobile healthcare subscription offering unlimited virtual care, prescription savings, hospital bill support, and price transparency for uninsured and underinsured U.S. households at $16.99/month and for part-time-employer groups at $12.99 PEPM.
- Ownership category
- akta.pro rank
ful.Health industry classification
Industry- Product category
- Digital Health Benefits Platform
- NAICS
- Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)
- SIC
- Services-Misc Health & Allied Services, Nec (8090)
- akta.pro primary industry
- Membership/Subscription Concierge Virtual Care (HLALAAAH)
- akta.pro secondary industry
- Primary Care & General Medicine Virtual Care (Employer-Sponsored) (HLALADAA)
Keywords
Where ful.Health is headquartered
LocationHeadquarters
- HQ city
- Dubuque
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
ful.Health business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Individual Subscription (ful.CashPay): Direct-to-consumer monthly subscription at $16.99/month covering entire household (adults and children up to age 26). Includes unlimited virtual doctor visits, prescription savings, hospital bill support, and healthcare navigation tools.
- Employer Subscription (ful.CashPay for Employers): B2B subscription at $12.99 per employee per month (PEPM), including household coverage for employees and their families. Provides healthcare benefits to part-time and uninsured workers without traditional insurance complexity.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Individual/Family Plan - $16.99/month |
| Subscription | Monthly | Employer Plan - Starting at $12.99 per employee per month |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
ful.Health product offering
Product offeringCore offering
ful.Health operates ful.CashPay, a non-insurance mobile healthcare membership providing unlimited $0 virtual doctor visits, prescription savings, hospital bill support, and healthcare cost navigation for $16.99/month per household. It also offers the same product to employers at $12.99 per employee per month to cover part-time and uninsured workers. Additional products include ful.View for traditional health plan groups and ful.HSA for HDHP groups.
Product overview
ful.Health offers ful.CashPay as its primary consumer-facing product, a non-insurance healthcare membership providing unlimited $0 virtual doctor visits, prescription savings, hospital bill support, and financial guidance for $16.99/month per household. The platform operates as an ecosystem integrating multiple services: CirrusMD for physician-first virtual care (60-second physician access), Tendo for cash pricing marketplace, Quizzify for healthcare education, MedOne for pharmacy discounts, and Goodbill for hospital bill support. For employer benefits, ful.CashPay is offered at $12.99 per employee per month. Additionally, ful.Health offers ful.View for traditional health plan groups and ful.HSA for HDHP groups with pre-funded health savings accounts. The company also provides a Turnover Impact Calculator to help employers quantify workforce stability costs.
Differentiator
Problem solved
Functional benefit
Brands
- ful.CashPay: Primary product - a non-insurance healthcare subscription service providing unlimited $0 virtual doctor visits, prescription savings, hospital bill support, and healthcare navigation for $16.99/month for households or $12.99/employee/month for employers.
- ful.View
- ful.HSA
Products and services
- ful.CashPay A non-insurance mobile healthcare subscription providing unlimited $0 virtual doctor visits (via CirrusMD), prescription savings (via MedOne), hospital bill support (via Goodbill), and cash pricing marketplace (via Tendo) for $16.99/month per household covering adults and children up to age 26. Also available as employer benefit at $12.99 PEPM.
- ful.View A healthcare navigation product for traditional health plan groups providing price transparency, bite-sized healthcare quizzes, discount pharmacy pricing, and 24/7 guidance on over 200 common healthcare scenarios, designed to help members reduce claims costs.
- ful.HSA A health savings and education platform for HDHP (High Deductible Health Plan) groups providing pre-funded HSA contributions, gamified monthly education quizzes with HSA rewards, and smart shopping tools for transparent healthcare pricing.
- Turnover Impact Calculator An interactive employer-facing tool that estimates the financial impact of employee turnover, pre-loaded with industry benchmarks and adjustable inputs for part-time employees per location, number of locations, replacement cost, and annual turnover rate.
Quantifiable outcome
- Turnover reduced by 32% among uninsured and benefits-unenrolled workers using CirrusMD virtual care
- +1 more outcomes
Companies that use ful.Health
Customer profileSegments2 records
Ideal customer profiles2 records
ful.Health technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
AI capability2 records
Feature6 records
ful.Health partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and supporting.
- CirrusMDcoreCirrusMD provides physician-first virtual care through ful.CashPay, enabling members to connect with licensed physicians within 60 seconds, 24/7/365. This is a core component of the ful.CashPay ecosystem, providing unlimited virtual visits at no additional cost.
- TendocoreTendo provides the cash pricing marketplace through ful.CashPay, enabling users to access actionable cash prices for complete episodes of care, eliminating surprise billing. Tendo's platform makes care shoppable with affordability and convenience.
- QuizzifysupportingQuizzify provides interactive healthcare education including gamified quizzes and Doctor Visit PrepKits for 200+ healthcare scenarios. Content is authorized to carry the Harvard Medical School logo. Helps members become savvy healthcare consumers.
- MedOnesupportingMedOne provides local cash discount pharmacy search functionality and digital pharmacy discount card within the ful.CashPay app, enabling users to find and compare medication pricing at local pharmacies.
- GoodbillsupportingGoodbill enables users to check eligibility for free or discounted care at local hospitals and provides expert support for hospital claim reviews and adjudication to save money on medical expenses.
- Blackwell Captive SolutionscoreBlackwell Captive Solutions serves as the channel partner facilitating access to CirrusMD's virtual care services for self-funded groups. As a respected leader in the self-funded industry, Blackwell Captive Solutions enables broader distribution through the captive insurance channel.
Scale indicators5 records
Recent moves7 records
Expansion highlights4 records
ful.Health competitors and assessment
Company assessmentBroad incumbents
- GoodRx: GoodRx is the dominant consumer cash-pay pharmacy discount platform and has expanded into telehealth and provider scheduling. Comparable to ful.Health in serving uninsured consumers with cash-pay discounts and now telehealth, though at substantially greater scale and brand recognition.
- Teladoc Health: Teladoc Health is the largest publicly traded telehealth company, selling virtual care to employers, health plans, and consumers. Comparable to ful.Health's CirrusMD-powered virtual care in product category, though operating at a fundamentally different scale and capital base.
Emerging players
- Turquoise Health: Turquoise Health operates a healthcare pricing marketplace providing transparent rate and cash-price information to payers, providers, and consumers. Comparable to ful.Health's Tendo-powered cash pricing feature, both focused on making healthcare prices shoppable.
- Antidote Health: Antidote Health is a telehealth insurer offering affordable virtual care plans to uninsured and underinsured Americans. Comparable to ful.Health in target demographic and price-sensitive positioning, though it operates as a licensed insurer rather than a non-insurance subscription.
Direct peers
- HealthTap: HealthTap provides virtual primary care to both consumers and employers with subscription and per-visit pricing. Comparable to ful.Health in combining consumer-direct virtual care with an employer benefits motion and a recurring-revenue model.
- 98point6: 98point6 is a text-based virtual primary care platform sold primarily to employers and health plans. Comparable to ful.Health in employer-channel virtual care and its bundling of navigation and care into a single subscription product.
- Healthcare Bluebook: Healthcare Bluebook offers healthcare price transparency and navigation tools sold to employers and consumers. Comparable to ful.Health's Smart Shopping Tool and ful.View products, which provide cost comparison and navigation to help members shop for care.
- Mira: Mira is a subscription healthcare membership targeting uninsured and underinsured consumers with virtual care, prescription savings, and lab discounts on a flat monthly fee. Directly comparable to ful.CashPay in business model, target demographic, and subscription price point.
- Recuro Health: Recuro Health offers an integrated virtual care platform sold to employers, brokers, and payers, combining telehealth, behavioral health, and care navigation. Comparable to ful.Health's employer-channel motion and its bundling of virtual care with navigation and cost-containment tools.
- Sesame: Sesame operates a direct-to-consumer cash-pay healthcare marketplace offering virtual visits and in-person care at transparent prices. Highly comparable to ful.Health's ful.CashPay in serving uninsured and underinsured households with non-insurance, transparent pricing, and a similar price-per-visit economics.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks7 records
Key highlights6 records
Customer concentration
ful.Health social profiles
Digital presenceful.Health compliance and trust
Trust signalCompliance1 record
ful.Health financial estimates
Financial estimateRevenue estimate
Valuation estimate
ful.Health leadership team
Management profileNumber of profiles
Profiles4 records
ful.Health funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ful.Health M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about ful.Health
What does ful.Health do?
ful.Health operates ful.CashPay, a non-insurance mobile healthcare membership providing unlimited $0 virtual doctor visits, prescription savings, hospital bill support, and healthcare cost navigation for $16.99/month per household. It also offers the same product to employers at $12.99 per employee per month to cover part-time and uninsured workers. Additional products include ful.View for traditional health plan groups and ful.HSA for HDHP groups.
Is ful.Health a public or private company?
ful.Health is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was ful.Health founded?
ful.Health was founded in 2024. It employs 1 to 10 people.
Where is ful.Health based?
ful.Health is headquartered in Dubuque, United States, in the North America region.
How does ful.Health make money?
Two revenue lines are on record. Individual Subscription (ful.CashPay) is the primary driver. The others are employer Subscription (ful.CashPay for Employers).
Who are ful.Health's main competitors?
Broad incumbents on record are GoodRx and Teladoc Health. Emerging players are Turquoise Health and Antidote Health. Direct peers are HealthTap, 98point6, Healthcare Bluebook, Mira, Recuro Health and Sesame.
Does ful.Health have an API?
No public API is recorded for ful.Health.
What industry is ful.Health in?
ful.Health's product category is Digital Health Benefits Platform. Its primary akta.pro industry code is HLALAAAH, Membership/Subscription Concierge Virtual Care, with a secondary code of HLALADAA, Primary Care & General Medicine Virtual Care (Employer-Sponsored). Its NAICS code is 524292 and its SIC code is 8090.