Discover the benefits of individual plus + one mental health + family + membership. Embrace personalized care and enjoy transparent pricing today! Ignite Your Personal Healthcare Revolution with Pre-Insurance Trusted by members nationwide Connect with healthcare professionals who lead with empathy, access educational resources, and navigate your wellness journey on your terms—all within your budget. Skip the insurance headache and reclaim ownership of your healthcare with our pre-insurance platform. Your health and wellness revolution starts here . Start saving and join today! Achieving Growth individual Individual $79 Every month Enjoy 36 FREE healthcare visits per year: 12 full mental health sessions/yr 12 primary care visits/yr 12 urgent care visits/yr Access to Thrive Ai PLUS... ALL Members automatically gain access to an incredible FREE benefit! Select Achieving Growth Add Your Partner or Spouse +$49 Every month Share EqualityMD's benefits with your partner or spouse so you both can save money and enjoy inclusive, personalized care. You'll EACH enjoy 36 FREE healthcare visits per year: 12 full mental health sessions/yr 12 primary care visits/yr 12 urgent care visits/yr Access to Thrive Ai PLUS... ALL Members automatically gain access to an incredible FREE benefit! Select plus + one Achieving Growth Enjoy MORE Mental Health +$79 Every month Includes: 48 full mental health sessions/yr 4 sessions per month That's 4X MORE! AND you still get: 12 primary care visits/yr 12 urgent care visits/yr Full access to Thrive Ai PLUS... ALL Members automatically gain access to an incredible FREE benefit! Select mental health + Achieving Growth Add Your Entire Family +139 Every month Share EqualityMD with your partner/spouse and your ENTIRE FAMILY! The Family Plan includes: 2 adults AND 1-5 dependents... that's up to 7 people! EACH family member can enjoy 36 FREE healthcare visits per year: 12 full mental health sessions/yr 12 primary care visits/yr 12 urgent care visits/yr Access to Thrive Ai PLUS... ALL Members automatically gain access to an incredible FREE benefit! Select family + Upgrade Options Take Your Membership to the Next Level Customize your experience with flexible upgrades for you and your loved ones. Add Your Partner or Spouse +$49 per month $128/month Includes: Share benefits with your partner or spouse Ensure your partner or spouse can enjoy access to personalized care on their terms Save money and enjoy peace of mind 24/7/365 Add for $49/month Get started Enjoy MORE Mental Health +$79 per month Includes: 48 mental health sessions/yr 4 sessions per month That's 4X MORE! AND you still get: 12 primary care visits/yr 12 urgent care visits/yr Full access to Thrive Ai Add for $79/month $158/month Get started Add Your Entire Family +$139 per month Includes: 2 adults AND 1-5 dependents Share benefits with your partner or spouse and your ENTIRE FAMILY! Ensure your loved ones can enjoy access to personalized care on their terms Add for $139/month $218/month Get started How much money can I save with Equality MD ? Mental Health $150 - $500 You pay per session without EqualityMD Hidden Insurance Costs Primary Care $170 - $600 You pay per visit without EqualityMD Hidden Insurance Costs Urgent Care $180 - $600 You pay per visit without EqualityMD Hidden Insurance Costs Equality MD $0 Our members don't pay for individual visits Start Saving Today! EqualityMD vs. The Medical Industrial Complex Break free from profit-driven health systems and embrace personalized care tailored to your unique health needs Features Trusted, Independent Providers Transparent, Affordable Pricing Holistic & Personalized Care No Insurance Required Freedom from System Bias Exclusive Educational Resources Patient-Centric Approach Equality MD Legacy Healthcare Success Stories Members Love How Equality MD Empowers them to Live their Best Lives Behind every Equality MD member is a story of courage, hope, and transformation. Discover for yourself how real people found freedom, trust, and healing through patient-centric care that puts their needs first. Get started today! I save thousands of dollars by using EqualityMD with my existing insurance plan. I'll never go back to only relying on my employer's insurance again! Paul K. My wife and I regularly use EqualityMD. Their culturally competent doctors make us feel truly valued. We only wish they existed sooner! Linda H. My partner and I have 3 kids. We both have insurance but we wanted more affordable and accessible options for our family’s needs. EqualityMD fits the bill! Abby & John M. Live Free, Stay Healthy Your Partner in Health and Wellness You should be in control of your health. Join members who’ve found trust, support, and peace of mind with Equality MD today! You belong here. Get started today! Frequently asked questions Common Questions About EqualityMD Membership Questions Privacy Technical Questions Emergency Resources What is pre-insurance? EqualityMD's national pre-insurance virtual care/Rx benefit platform is a claim prevention tool that resolves healthcare upstream, so expensive downstream insurance is rarely needed. Pre-insurance addresses everyday health needs before they trigger insurance—no claims, deductibles, or copays—reducing overall plan spend by 20-30% while enhancing employee wellness and satisfaction. Because EqualityMD operates outside of America’s broken insurance-based health ecosystem, it enjoys the enviable freedom to craft bespoke per-employee-per-month (PEPM) contracts that fit any budget for any size business or organization nationwide. Pre-insurance does not replace insurance. It’s a cost-saving complement to any existing employer-sponsored insurance (ESI) plan. For any in-person care needs, employees and individuals can always rely on their existing insurance plan. Insurance is backup protection solving catastrophic risks. Pre-insurance is front-line care solving everyday health needs. Together, they form a complete care system. How does pre-insurance work? Pre-insurance eliminates all the greedy middlemen that are responsible for making healthcare so expensive. America's broken insurance-based health system relies on the following entities to function... the problem is that these entities artificially raise health costs to earn higher profits at the expense of employers and patients nationwide. 1) Health insurance companies They underwrite risk and set premiums. • They add $3,000–$4,500/employee/year in profit margin (5–7%) + overhead (10–12%) on top of medical claims. • They drive 6.5–11% annual premium hikes (Mercer 2025) through actuarial loading, marketing, and shareholder returns, inflating total employer-sponsored insurance (ESI) spend by 25–30% beyond pure care costs. 2) Third-Party Administrators They process claims and manage plan operations. • They charge $15–$25/claim + 17% of premiums. • This adds $2,000–$3,000/year/employee in admin fees (Mercer 2025). 3) Pharmacy Benefit Managers They negotiate drug prices but take rebates/spread pricing. • This adds $1,200–$1,800/year/employee in hidden costs (KFF 2024). 4) Insurance Brokers and Consultants They advise employers on plans, earning 3–6% commissions. • This adds $200–$400/employee in hidden costs (SHRM 2025). 5) Utilization Review Firms They pre-approve treatments, and often delay care. • This adds $100–$300/claim in overhead (Peterson-KFF 2025). 6) Medical Billing Companies They code and submit claims • They upcode and add errors, which costs $50–$150/claim in disputes (AMA 2025). 7) Re-Insurance Carriers They cover high-cost claims. • This adds 5–10% per claim, which are baked into premiums via higher costs (Aon 2025). 8) Legal and Compliance Vendors They handle ACA/ERISA filings. • This adds $300–$600/employee/year in hidden costs (Mercer 2025). 9) Data Analytics Firms They provide risk scoring. •They charge $100–$200/employee for reports (McKinsey 2025). With no third parties artificially inflating healthcare costs: 1) Our doctors make more money, 2) Our partners pay less, and 3) Our patients receive high quality care on their terms. Normally, doctors and digital healthcare companies are forced to work in a "managed care" model (meaning insurance companies are involved). Managed care models take control out of the hands of doctors and puts it in the hands of third party middlemen that don't actually treat patients. These third parties add overhead and unnecessary expenses to patients' bills and pay doctors less. By removing middlemen from the process, we're able to pass the savings along to our partners! Without greedy middlemen clogging up the healthcare system, our partners/patients pay less and our doctors are paid more! Also, our doctors are able to have organic relationships with patients because they don't have to worry about restrictions placed on them by third parties EqualityMD's pre-insurance virtual care solution delivers healthcare the way it should be: Patient-focussed, transparent, affordable, and accessible. How much does it cost to join EqualityMD? The cost of joining EqualityMD depends on your organization’s size and whether you choose to cover memberships for your team or offer our platform as an optional benefit. Companies that pay for memberships save the most on healthcare costs and see higher utilization for preventative care. Memberships include 36 virtual visits annually (12 each for primary care, mental health, and urgent care), AI coaches, wellness resources, and a FREE pharmacy savings benefit. With no premiums, deductibles, or hidden fees, our platform is affordable and commitment-free. Cancel anytime. Contact hello@equalitymd.com for more details. Why should you join EqualityMD if you already have telemedicine through insurance? Yes! EqualityMD offers a unique, hassle-free alternative to traditional telemedicine tied to insurance. While insurance-based telehealth often comes with copays and fees, our pre-insurance virtual care platform provides unrestricted access to care with no out-of-pocket costs. Take control of your health journey with patient-focused care available across all 50 states. Does EqualityMD accept insurance for its services? No, we don’t accept insurance. EqualityMD is designed to make healthcare accessible and affordable for everyone by eliminating the need for insurance. Enjoy high-quality care without the complexities of traditional insurance systems. Do EqualityMD's providers deliver inclusive care? Yes! Our network of 25,000+ providers have received evidence-based, cultural competency training materials to ensure they know how to create safe digital spaces for patients from all walks of life across all 50 states. At EqualityMD, your workforce can enjoy peace of mind knowing that whomever they pick to be their providers are ready to embrace their unique intersectional identities, meet them where they are, and deliver the inclusive care they deserve. How long are virtual visits? A mental health session is 50 minutes. Other telehealth companies cut corners by offering 20, 30, or 40-minute sessions. Not EqualityMD! We want to help your team achieve their health and wellness goals, so we make sure they get a FULL 50-minute therapy session EVERY TIME they book an appointment. A standard primary care visit can last anywhere from 10-20 minutes (depending on the patient's situation). A standard urgent care visit can last anywhere from 5-15 minutes (depending on the patient's situation). What are common reasons to use Primary Care virtual visits? EqualityMD virtual visits are not intended for use in medical emergencies. If you are experiencing a medical emergency, please call 911 or other local emergency services and/or go to the emergency room of a nearby hospital or medical clinic. EqualityMD Primary Care is commonly used to address the following issues: Abdominal pain Allergies Anxiety (mild cases) Arthritis Asthma (stable/non-emergency) Athlete’s foot Back pain Bee sting Birth control pills Bladder infections Bronchitis Cellulitis (skin infection) Cold Conjunctivitis Cough Cystitis Diarrhea Diabetes Dry scalp Dry skin (eczema) Erectile dysfunction (mild cases) Eye irritation Fever Genital lesions Gout Hay fever Headache Heartburn (Gastroesophageal Reflux Disease, "GERD") Influenza Lab interpretation Lice Menstrual symptoms Nasal congestion Nausea Nosebleed Painful urination Pharyngitis Pink eye Poison oak/ivy Preventative health lab test Rash Respiratory infection Rolled ankle Scabies Sinusitis Skin infection Sports injuries STD screening lab tests Thyroid disease (hypothyroidism) Travel medicine Upper respiratory infection Urinary tract infection Vaginal itching Yeast infections Always call 911 or your local emergency service immediately if you think you have an emergency. For example, if you experience any of the following medical issues, go immediately to an emergency room: Chest pain or pressure Convulsion or seizure Difficulty breathing Mental health or substance abuse urgency Moderate to severe burn Pain medication overdose or reaction (narcotics) Poisoning Serious head, neck, or back injury Serious limb impairment or broken bone Significant, uncontrolled bleeding Suicidal ideation Unconsciousness Any other critical or life-threatening situation What mental health challenges can we help you navigate? Our therapists and behavioral clinicians are here to support you through a variety of mental health challenges, including anxiety, stress, depression, low self-esteem, work or family-related issues, relationship concerns, identity-related struggles (e.g., LGBTQ+, racial minorities, veterans, neurodiversity, immigrants), trauma, and more. Most of our patients feel better after just three visits. When life feels overwhelming, lean on us for affirming care tailored to your needs. For immediate help during a crisis, please contact: • Call 988 for the Suicide & Crisis Lifeline (English & Spanish) • Call 1-800-273-8255 for the National Suicide Prevention Lifeline • Call 911 for emergencies. Manage Your Membership Return to Homepage Login to Your Patient Portal Contact hello@equalitymd.com © 2026 by EqualityMD, Inc. About EqualityMD Home Who We Are Blog Contact Us Membership Join Now Pricing Doctors & Therapists Urgent Care Primary Care Mental Health Care Thrive Ai Help & Support Help Center / FAQs Terms & Conditions Privacy Policy Member Agreement

Discover how Independent Providers and Therapists at EqualityMD offer inclusive care tailored to your wellness journey. Trust our therapists today! Independent Providers and Therapists are the Heart of Equality MD Our national network of 25,000+ independent providers deliver patient-centric care that's free from corporate influence and grounded in authenticity, transparency, and trust. pre-insurance is inherently inclusive Personalized Care for Your Employees' Diverse Needs We connect your workforce with experienced providers who deliver personalized care and are committed to helping them achieve their individual health and wellness goals. Contact us Mental Health Sometimes, people need advice. Other times, they need someone to listen. With coaching for specific challenges and counselors for deeper concerns, your workforce has access to the right support, whatever they're going through. Primary Care Let your employees experience care on their terms. They can see the same provider for continuity of care, or see different providers based on their needs and preferences. They can schedule visits within 1–3 days to access rapid care. Urgent Care When your employees need care NOW, our urgent care doctors help them avoid costly ER and urgent care visits. Patients get medical advice, treatment options & relief in minutes—not hours—whether they're at home, work, or traveling. Trusted by companies, nonprofits, and organizations nationwide No matter what ESI plan your company has, Equality MD's pre-insurance platform strengthens your company's benefit program. Contact us We Prioritize People Over Profits Because we operate outside of America's broken healthcare system that's run by insurance companies, pharmaceutical corporations, hospitals, and other third parties, our providers only answer to your employees. Our national network of doctors lead with empathy, prioritize your employees' needs above corporate profits, and deliver the inclusive care they deserve. Get started today! Nationwide CareYour Company Can Trust Your company's health & well-being is our highest priority. With nationwide coverage, your employees can access expert care on their schedules from anywhere in America. Join the pre-insurance revolution! Our Patient-First Philosophy We're dedicated to ensuring your employees' voices are heard, their values are respected, and their individual goals drive their personalized health narratives. Our pre-insurance platform is the key to lower costs, healthier lives, and a better bottom line. That’s our mission—and our promise. We can't wait to help your company! The Equality MD Promise Our pre-insurance solution will strengthen your company's benefit program and provide better work through smarter healthcare Personalized Care Our providers operate free from corporate and third party influences, so they can focus solely on what’s best for your people Holistic Approach From acute care to wellness guidance, we address every aspect of one's health to support mind, body, and spirit Freedom Your workforce chooses their providers and approach to care, ensuring they control every step along their health journeys Are you looking for a cost-saving virtual care solution that meets the evolving health needs of your company’s entire workforce and provides tangible value to your employees and their families, all without the insurance headache? Our pre-insurance health and wellness platform can include an employee's entire household (up to 7 people). With EqualityMD, your company can create a healthier environment for your entire workforce, even those who may not qualify for ESI plans. Our pre-insurance solution is affordable and scalable for all types and sizes of businesses and organizations throughout all 50 states. We're committed to crafting a bespoke solution that fits your goals, adheres to your budget, and generates a dramatic ROI. Contact us Why Companies Choose Equality MD Our pre-insurance platform is very popular with employees who've struggled to navigate the increasingly complex insurance landscape or are uncomfortable feeling like they're forced to be their own health advocate within a system that doesn't care about them. By bringing agency, empathy, and transparency to healthcare through our pre-insurance solution, we make quality healthcare accessible, inclusive, and better for everyone. Inclusive Care Our providers are specially trained to listen, understand, and tailor care to the unique needs of your workforce Comprehensive Platform We connect your people to providers, educational resources & wellness tools so they can live their best lives Budget-Friendly Our product complements any ESI plan, saving both employers and employees time, money, and energy Contact hello@equalitymd.com © 2026 by EqualityMD, Inc. About EqualityMD Home Who We Are Blog Contact Us Membership Doctors & Therapists Urgent Care Primary Care Mental Health Care Thrive Ai Help & Support Help Center / FAQs

Discover insurance-free telehealth services for small businesses with EqualityMD. Our focus is on accessibility and ease of use, ensuring convenient healthcare options for your employees. Small Businesses Whether you have 1 employee or 1,000, we can help your business. Our pre-insurance virtual care platform complements your existing employer-sponsored insurance (ESI) plan. Pre-insurance prevents health issues from escalating to insurance claims by resolving 70-80% of your employees' diverse health needs 24/7/365. Pre-insurance saves employers and employees money, increases access to care, and is a powerful future of work solution that attracts and retains savvy talent seeking affordable and flexible health benefits. Our pre-insurance platform is also the ideal solution for entities that don't offer health insurance benefits. Start Now Affordable healthcare without insurance Healthcare Costs have Significant Impacts on Small Businesses Imagine this common scenario: An employee calls in sick, perhaps because they're ill or they need to care for a family member. This single event can have negative economic and operational consequences your business must endure that day, and may even create a vicious cycle that impacts your company well-beyond this single event. Contact us The Employer's Perspective When an employee calls in sick, customers receive lower quality service, which leads to customer complaints. When other employees try to fill the gap, they become overworked, irritated, and stressed. When this happens frequently, valuable employees experience burnout and quit. Alternatively, if a sick employee came to work, they'd spread germs that would inevitably affect other employees and customers. This could cause other employees to miss work, more customer complaints, lost revenue, and a vicious cycle of unintended consequences that negatively impacts your bottom line. Learn more The Employee's Perspective America's insurance-based health system is so broken that millions of insured people can't afford basic care. Employees avoid routine doctor visits and don't get medications they need because they can't afford out-of-pocket costs for skyrocketing deductibles and increasingly expensive co-pays in addition to their rising premiums. This causes them to miss additional work days, decreasing their take-home pay, which may prevent them from making their monthly rent, car, or daycare payments. When the employee finally returns to work, they bring this financial stress with them, which impacts your business. Join the pre-insurance revolution! Affordable Healthcare for your Entire Team! Our pre-insurance virtual care solution can satisfy the health and wellness needs of your entire workforce, including those who may not qualify for insurance! Our comprehensive telehealth platform is a critical safety net for those who are uninsured and an invaluable cost-saving companion for those who have insurance through your company or through the Affordable Care Act's Health Insurance Marketplace. Our platform is a tech-enabled, future of work tool that will attract and retain savvy talent seeking affordable, accessible, and flexible health benefits. We can't wait to help you! How much money can your employees save with Equality MD ? Mental Health $150 - $500 per visit Before meeting ESI plan's $1,900 deductible (nat'l avg. for individual) $20 - $250 per visit After meeting ESI deductible Hidden Insurance Costs Primary Care $170 - $600 per visit Before meeting ESI plan's $1,900 deductible (nat'l avg. for individual) $25 - $75 per visit After meeting ESI deductible Hidden Insurance Costs Urgent Care $180 - $600 per visit Before meeting ESI plan's $1,900 deductible (nat'l avg. for individual) $35 - $150 per visit After meeting ESI deductible Hidden Insurance Costs Equality MD $0 per visit Mental Health Primary Care Urgent Care Our members never pay anything for virtual healthcare visits Start Saving Today! Accessible, Cost-saving healthcare through pre-insurance How it Works Our independence from America's broken insurance-based health system enables us to craft bespoke agreements that fit any company's needs and budget. Each partner engagement program is spearheaded by a dedicated account manager. We'll continue to add new benefits to existing plans without raising membership dues to encourage high utilization that results in healthier outcomes and a fantastic return on your investment. Our pre-insurance benefit platform is a cost-saving complement to any employer-sponsored insurance (ESI) or Affordable Care Act (ACA) plans. Add a Title Get started today! Discounted Group Rates Reduced monthly membership dues for groups are based on the number of employees your business enrolls. Even without our group discounts, our membership dues are notably less than in-person care for both insured and uninsured patients. Uninsured, Part-Time & Seasonal Staff The number of uninsured workers is rising. Employer-Sponsored Insurance (ESI) plans rarely cover part-time, fractional, or seasonal workers. EqualityMD is a powerful future of work tool entities can use to attract & retain talent for full-time & part-time positions. Employer Paid or Voluntary Benefit Employers can offer our pre-insurance solution as a cost-saving addition to their existing benefit packages, or as a voluntary benefit. Our affordable individual, couples, family, and mental health plans can suit every organization's needs & budget. meaningful mental health support Mental Health As members, your employees can enjoy up to 12 FREE mental health sessions per year. Life happens... we're here for your employees whenever they need help Your employees can: Access 24/7 mental health support Have rapid appointments for urgent needs Schedule appointments with providers they hand-pick based on their personal needs See the same provider for continuity of care, or change providers anytime Stay on track with regular follow-ups We give you team the tools to define their own personal health and wellness journeys Learn more exceptional primary care Primary Care As members, your employees can enjoy up to 12 FREE virtual primary care visits per year. Your employees can: Schedule appointments with providers they hand-pick based on their personal needs See the same provider each time to enjoy continuity of care, or change providers anytime Stay on track with regular follow-ups & check-ins Primary care doctors are available Monday - Friday from 9AM - 5PM EST Some providers are available for same-day visits We give your staff the tools to define their own personalized health and wellness journeys Learn more Emergencies are inconvenient... Getting help shouldn't be Urgent Care As members, your employees can enjoy up to 12 FREE virtual urgent care visits per year. Your employees can: Access care 24/7/365 Have rapid, same-day appointments 94% of visits occur in less than 20 minutes Schedule appointments at their convenience or see a provider immediately This is a great resource for folks at home, work, school, or traveling anywhere in America In-person care referrals are provided as needed Learn more affordable CARE ON YOUR TERMS Request a Proposal EqualityMD's membership plans are affordable and can serve every type of business, from a 3-person startup company to a corporation that employs hundreds of people across dozens of states. Our clients prefer to offer our pre-insurance platform to their employees as an employer-paid benefit because this saves them the most money, encourages the highest utilization, and creates the greatest overall ROI. When employees use our pre-insurance platform BEFORE using their expensive ESI plans: Employers save 20-30% in ESI claim + administrative costs Employees save 40-70% in out-of-pocket health costs Our complete independence from America's broken insurance-based health system gives us the enviable freedom to craft bespoke subscription agreements that satisfy any entity's needs and budget. Add a Title Request a Quote Contact hello@equalitymd.com © 2026 by EqualityMD, Inc. About EqualityMD Home Who We Are Blog Contact Us Membership Small Businesses Nonprofits Corporations Doctors & Therapists Urgent Care Primary Care Mental Health Care Thrive Ai Help & Support Help Center / FAQs

Explore our health & wellness blog for insightful tips and advice. Discover the latest trends in health & wellness to enhance your lifestyle. Check back soon Once posts are published, you’ll see them here. Manage Your Membership Return to Homepage Login to Your Patient Portal Contact hello@equalitymd.com © 2026 by EqualityMD, Inc. About EqualityMD Home Who We Are Blog Contact Us Membership Join Now Pricing Doctors & Therapists Urgent Care Primary Care Mental Health Care Thrive Ai Help & Support Help Center / FAQs Terms & Conditions Privacy Policy Member Agreement

Frequently Asked Questions Common Questions About EqualityMD Membership Questions Privacy Technical Questions Emergency Resources What is pre-insurance? EqualityMD's national pre-insurance virtual care/Rx benefit platform is a claim prevention tool that resolves healthcare upstream, so expensive downstream insurance is rarely needed. Pre-insurance addresses everyday health needs before they trigger insurance—no claims, deductibles, or copays—reducing overall plan spend by 20-30% while enhancing employee wellness and satisfaction. Because EqualityMD operates outside of America’s broken insurance-based health ecosystem, it enjoys the enviable freedom to craft bespoke per-employee-per-month (PEPM) contracts that fit any budget for any size business or organization nationwide. Pre-insurance does not replace insurance. It’s a cost-saving complement to any existing employer-sponsored insurance (ESI) plan. For any in-person care needs, employees and individuals can always rely on their existing insurance plan. Insurance is backup protection solving catastrophic risks. Pre-insurance is front-line care solving everyday health needs. Together, they form a complete care system. How does pre-insurance work? Pre-insurance eliminates all the greedy middlemen that are responsible for making healthcare so expensive. America's broken insurance-based health system relies on the following entities to function... the problem is that these entities artificially raise health costs to earn higher profits at the expense of employers and patients nationwide. 1) Health insurance companies They underwrite risk and set premiums. • They add $3,000–$4,500/employee/year in profit margin (5–7%) + overhead (10–12%) on top of medical claims. • They drive 6.5–11% annual premium hikes (Mercer 2025) through actuarial loading, marketing, and shareholder returns, inflating total employer-sponsored insurance (ESI) spend by 25–30% beyond pure care costs. 2) Third-Party Administrators They process claims and manage plan operations. • They charge $15–$25/claim + 17% of premiums. • This adds $2,000–$3,000/year/employee in admin fees (Mercer 2025). 3) Pharmacy Benefit Managers They negotiate drug prices but take rebates/spread pricing. • This adds $1,200–$1,800/year/employee in hidden costs (KFF 2024). 4) Insurance Brokers and Consultants They advise employers on plans, earning 3–6% commissions. • This adds $200–$400/employee in hidden costs (SHRM 2025). 5) Utilization Review Firms They pre-approve treatments, and often delay care. • This adds $100–$300/claim in overhead (Peterson-KFF 2025). 6) Medical Billing Companies They code and submit claims • They upcode and add errors, which costs $50–$150/claim in disputes (AMA 2025). 7) Re-Insurance Carriers They cover high-cost claims. • This adds 5–10% per claim, which are baked into premiums via higher costs (Aon 2025). 8) Legal and Compliance Vendors They handle ACA/ERISA filings. • This adds $300–$600/employee/year in hidden costs (Mercer 2025). 9) Data Analytics Firms They provide risk scoring. •They charge $100–$200/employee for reports (McKinsey 2025). With no third parties artificially inflating healthcare costs: 1) Our doctors make more money, 2) Our partners pay less, and 3) Our patients receive high quality care on their terms. Normally, doctors and digital healthcare companies are forced to work in a "managed care" model (meaning insurance companies are involved). Managed care models take control out of the hands of doctors and puts it in the hands of third party middlemen that don't actually treat patients. These third parties add overhead and unnecessary expenses to patients' bills and pay doctors less. By removing middlemen from the process, we're able to pass the savings along to our partners! Without greedy middlemen clogging up the healthcare system, our partners/patients pay less and our doctors are paid more! Also, our doctors are able to have organic relationships with patients because they don't have to worry about restrictions placed on them by third parties EqualityMD's pre-insurance virtual care solution delivers healthcare the way it should be: Patient-focussed, transparent, affordable, and accessible. How much does it cost to join EqualityMD? The cost of joining EqualityMD depends on your organization’s size and whether you choose to cover memberships for your team or offer our platform as an optional benefit. Companies that pay for memberships save the most on healthcare costs and see higher utilization for preventative care. Memberships include 36 virtual visits annually (12 each for primary care, mental health, and urgent care), AI coaches, wellness resources, and a FREE pharmacy savings benefit. With no premiums, deductibles, or hidden fees, our platform is affordable and commitment-free. Cancel anytime. Contact hello@equalitymd.com for more details. Why should you join EqualityMD if you already have telemedicine through insurance? Yes! EqualityMD offers a unique, hassle-free alternative to traditional telemedicine tied to insurance. While insurance-based telehealth often comes with copays and fees, our pre-insurance virtual care platform provides unrestricted access to care with no out-of-pocket costs. Take control of your health journey with patient-focused care available across all 50 states. Does EqualityMD accept insurance for its services? No, we don’t accept insurance. EqualityMD is designed to make healthcare accessible and affordable for everyone by eliminating the need for insurance. Enjoy high-quality care without the complexities of traditional insurance systems. Do EqualityMD's providers deliver inclusive care? Yes! Our network of 25,000+ providers have received evidence-based, cultural competency training materials to ensure they know how to create safe digital spaces for patients from all walks of life across all 50 states. At EqualityMD, your workforce can enjoy peace of mind knowing that whomever they pick to be their providers are ready to embrace their unique intersectional identities, meet them where they are, and deliver the inclusive care they deserve. How long are virtual visits? A mental health session is 50 minutes. Other telehealth companies cut corners by offering 20, 30, or 40-minute sessions. Not EqualityMD! We want to help your team achieve their health and wellness goals, so we make sure they get a FULL 50-minute therapy session EVERY TIME they book an appointment. A standard primary care visit can last anywhere from 10-20 minutes (depending on the patient's situation). A standard urgent care visit can last anywhere from 5-15 minutes (depending on the patient's situation). What are common reasons to use Primary Care virtual visits? EqualityMD virtual visits are not intended for use in medical emergencies. If you are experiencing a medical emergency, please call 911 or other local emergency services and/or go to the emergency room of a nearby hospital or medical clinic. EqualityMD Primary Care is commonly used to address the following issues: Abdominal pain Allergies Anxiety (mild cases) Arthritis Asthma (stable/non-emergency) Athlete’s foot Back pain Bee sting Birth control pills Bladder infections Bronchitis Cellulitis (skin infection) Cold Conjunctivitis Cough Cystitis Diarrhea Diabetes Dry scalp Dry skin (eczema) Erectile dysfunction (mild cases) Eye irritation Fever Genital lesions Gout Hay fever Headache Heartburn (Gastroesophageal Reflux Disease, "GERD") Influenza Lab interpretation Lice Menstrual symptoms Nasal congestion Nausea Nosebleed Painful urination Pharyngitis Pink eye Poison oak/ivy Preventative health lab test Rash Respiratory infection Rolled ankle Scabies Sinusitis Skin infection Sports injuries STD screening lab tests Thyroid disease (hypothyroidism) Travel medicine Upper respiratory infection Urinary tract infection Vaginal itching Yeast infections Always call 911 or your local emergency service immediately if you think you have an emergency. For example, if you experience any of the following medical issues, go immediately to an emergency room: Chest pain or pressure Convulsion or seizure Difficulty breathing Mental health or substance abuse urgency Moderate to severe burn Pain medication overdose or reaction (narcotics) Poisoning Serious head, neck, or back injury Serious limb impairment or broken bone Significant, uncontrolled bleeding Suicidal ideation Unconsciousness Any other critical or life-threatening situation What mental health challenges can we help you navigate? Our therapists and behavioral clinicians are here to support you through a variety of mental health challenges, including anxiety, stress, depression, low self-esteem, work or family-related issues, relationship concerns, identity-related struggles (e.g., LGBTQ+, racial minorities, veterans, neurodiversity, immigrants), trauma, and more. Most of our patients feel better after just three visits. When life feels overwhelming, lean on us for affirming care tailored to your needs. For immediate help during a crisis, please contact: • Call 988 for the Suicide & Crisis Lifeline (English & Spanish) • Call 1-800-273-8255 for the National Suicide Prevention Lifeline • Call 911 for emergencies. Contact hello@equalitymd.com © 2026 by EqualityMD, Inc. About EqualityMD Home Who We Are Blog Contact Us Membership Doctors & Therapists Urgent Care Primary Care Mental Health Care Thrive Ai Help & Support Help Center / FAQs

Review EqualityMD's Terms & Conditions outlining user rights, responsibilities, and service limitations. EqualityMD, Inc.: TERMS OF USE AGREEMENT 1. WELCOME Welcome to EqualityMD, Inc.’s (“equalityMD”) website. Please feel free to browse www.equalitymd.com (the “Website”) and learn. We recommend that you review this Terms of Use Agreement (the “Agreement”) carefully before using the Website. By visiting or using the Website in any way, or linking to the Website, you are entering into an agreement with equalityMD. At all times, you are bound by the then-current version of this Agreement and all applicable laws. EqualityMD highly recommends that you review this Agreement from time to time to ensure that you are familiar with the most recent version. 2. ENTIRE AGREEMENT This Agreement, together with our Privacy Policy, constitutes the entire agreement between you and equalityMD relating to your use of the Website. If any portion of this Agreement is unlawful, invalid, or unenforceable, then such portion of this Agreement shall be deemed severed from the Agreement and shall not affect the validity or enforceability of the remainder of this Agreement. 3. WEBSITE CONTENT AND COPYRIGHT This Website and the computers (including the software and files) used to run and maintain it are the property of equalityMD. This Website, the computers hosting this Website, and content provided on this Website, including the text, graphics, audio and video, podcasts, and downloads, are the exclusive property of equalityMD or are licensed to equalityMD, and may not be accessed, copied, reproduced, modified, altered, publicly distributed, republished, uploaded, posted, transmitted, publicly performed or displayed, or otherwise used without written permission from equalityMD. EqualityMD or its licensors own all intellectual property rights, including copyrights, in such content. You have no right to use any content from the Website. This copyright notice applies to all proprietary material available on the Website: “Copyright © 2026 EqualityMD®️, Inc. All rights reserved.” You may, however, access this Website and view, display, download, store, and print the materials available on this Website, but only for your personal, non-commercial use. You may not remove any copyright notices or other notices of intellectual property rights from such content. Any unauthorized use of this Website will terminate the permission granted by these Terms of Use and may violate applicable laws, including copyright law, trademark laws, and commercial regulations and statutes. All violators will be pursued to the fullest extent of the law. 4. USER CONTENT Any content that you provide, upload, or otherwise make available on the Website (“User Content”) is and remains your sole property or the property of your licensors. By providing, uploading, or otherwise making available any User Content, you automatically grant and/or warrant that the owner has granted equalityMD a fully paid-up, perpetual, irrevocable, royalty-free, non-exclusive, worldwide right and license (with the unrestricted right to grant sub-licenses) to copy, reproduce, modify, alter, translate, publish, distribute, perform, display, transmit, and otherwise use the User Content in any format or medium. You or the owner also permit any other user of the Website to access, view, display, download, store, print, and otherwise use the User Content to the same extent permitted by this Agreement with respect to other content available on the Website. You are not permitted to provide, upload, or otherwise make available any confidential or proprietary information on the Website and you represent and warrant that all of your User Content in not confidential or proprietary in any way. Persons under EIGHTEEN (18) years of age are not permitted to provide, upload, or otherwise make available User Content on the Website. 5. TRADEMARKS EqualityMD owns registered trademarks and service marks appearing on the Website and/or in any other digital and/or print medium include, but are not limited to: EQUALITYMD®️ EQUALITYMD+®️ Other product and company names appearing on this Website are the trademarks of their respective owners. You may not use any such marks in any way unless you have received permission from equalityMD or the trademark owner. Any unauthorized use will be prosecuted to the fullest extent of the law. 6. WEBSITE SERVICES Website users will have the opportunity to enroll in subscription services, send email, and submit applications online (“Services”). In order to participate in some of these Services, you must provide true, accurate, current, and complete information about yourself as prompted by the Website’s account registration form (such information being “Personal Information”), which shall be collected pursuant to the Privacy Policy of the Website. You may only access the Website and Services for lawful purposes. You are solely responsible for the knowledge of and adherence to any and all laws, rules, and regulations pertaining to your use of the Website and Services. You agree that you will not, in connection with the Website or the Services: (i) commit a criminal offense or encourage conduct that would constitute a criminal offense or give rise to civil liability, or otherwise violate any local, state, Federal, or international law or regulation, including but not limited to export control laws and regulations governing the transmission, export, retransmission, or re-export of technical data from the United States; (ii) upload, post, e-mail, or otherwise transmit any unlawful, threatening, libelous, harassing, defamatory, vulgar, obscene, pornographic, profane, invasive of another’s privacy, hateful, or ethnically, racially, or otherwise objectionable User Content; (iii) upload, post, e-mail, or otherwise transmit any User Content that you do not have a right to transmit; (iv) upload, post, e-mail, or otherwise transmit any User Content that infringes any patent, trademark, trade secret, copyright, or other proprietary rights of any person; (v) alter, damage, or delete any User Content or other communications that are not your own, or otherwise interfere with the ability of others to access or use the Services; (vi) disrupt the normal flow of communication or otherwise act in a manner that negatively affects other users’ ability to exchange information; (vii) claim a relationship with or speak for any individual, business, association, institution, or other organization for which you are not authorized to claim such a relationship; (viii) upload, post, e-mail, or otherwise transmit any unsolicited advertising, promotional materials, or other forms of solicitation to other users including, without limitation, “junk mail,” “spam,” “chain letters,” or “pyramid schemes”; (ix) impose an unreasonable load on the Website’s infrastructure or infect it with viruses, worms, or other malicious computer programs; (x) collect or store personal data about other users; (xi) reproduce, duplicate, copy, use, distribute, sell, resell, or otherwise exploit for any commercial purposes, any portion of the Website or Services; (xii) harm minors in any way; (xiii) stalk or otherwise harass another person; (xiii) collect or store personal information about other users without their permission; (ix) reverse engineer or decompile the software comprising the Website, except as permitted by applicable law; (x) access the Website or any portion of the website without authorization or in a way that exceeds your authorization; and/or (xi) provide false or misleading personal information or email addresses, or impersonate any other person or entity. EqualityMD shall have the right, but not the obligation, in its sole discretion to review, edit, or delete any User Content that: (a) violates any term of this Agreement; or (b) is otherwise illegal, offensive, or inappropriate. equalityMD disclaims all responsibility for User Content or the content of any transmissions to this Website and all liability arising from such content. EqualityMD shall have the sole discretion to terminate your access to the Services or the Website. Notwithstanding the Privacy Policy of the Website, equalityMD will fully cooperate with any law enforcement authorities or court orders requesting or directing equalityMD to disclose Personal Information of anyone who submits User Content to the Website in violation of the terms of this Agreement or applicable laws. 7. LINKS A. Links to the Website You may create a link from your website to the home page of the Website, without prior written permission, through a plain-text link, namely www.equalitymd.com. equalityMD asks that you notify us in advance of your intention to do so by contacting hello@equalitymd.com. You may not use any equalityMD trademarks or service marks as links to the Website from other websites, or as machine-readable search terms, such as metatags or hidden text. equalityMD reserves the right to revoke your permission to link to the Website in its absolute and sole discretion. Any third party website that links to the Website: (a) shall not create a frame around content of the Website; (b) shall not replicate the content of the Website; (c) shall not state or imply that equalityMD sponsors or endorses the third-party website; (d) shall not libel or present false or misleading information of any kind, including information about equalityMD or its members; and (e) shall not contain any content that may be construed as illegal, immoral, offensive, controversial, or inappropriate. Deep linking to internal pages of the Website is expressly prohibited. The posting or creation of any link to the Website signifies that you have read and agree to abide by this Agreement. If you believe that any website that links to the Website contains illegal, offensive, or inappropriate content, please send an email to hello@equalitymd.com. B. Links from the Website Links to other websites or Internet locations from the Website have been provided for your convenience only. equalityMD does not endorse, sponsor, or approve of any content of such websites or locations. equalityMD has no control over any of the websites or Internet locations that you may access through the Website, and is not responsible for the content or accuracy of the content of any such website or location. If you access any other website or Internet location through the Website, you do so at your own risk. If you believe that any link on the Website leads to an illegal, offensive, or inappropriate website, please send an email to hello@equalitymd.com. 8. DISCLAIMER OF WARRANTIES ALL CONTENT OF THIS WEBSITE, INCLUDING ANY SOFTWARE AND USER CONTENT, IS PROVIDED “AS IS” AND WITHOUT WARRANTIES OR REPRESENTATIONS OF ANY KIND, EITHER EXPRESSED OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, EQUALITYMD DISCLAIMS ALL WARRANTIES AND REPRESENTATIONS, EXPRESSED OR IMPLIED, RELATING TO ANY CONTENT AVAILABLE ON THE WEBSITE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES AND REPRESENTATIONS OF NONINFRINGEMENT OF THIRD PARTY INTELLECTUAL PROPERTY RIGHTS, TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUIET ENJOYMENT, SYSTEM INTEGRATION, OR DATA ACCURACY. ALTHOUGH EQUALITYMD WISHES THE CONTENT OF THIS WEBSITE TO BE ACCURATE, COMPLETE, AND CURRENT, EQUALITYMD DOES NOT WARRANT OR REPRESENT THAT ANY CONTENT OF THIS WEBSITE (INCLUDING ANY SOFTWARE) OR ANY DATA ON THIS WEBSITE IS ACCURATE, ERROR-FREE, COMPLETE, OR CURRENT, THAT USE OF SUCH CONTENT OR DATA WILL BE UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE, ITS CONTENT OR DATA, AND THE SERVERS ON WHICH THE WEBSITE AND CONTENT ARE AVAILABLE, ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. MOREOVER, EQUALITYMD DISCLAIMS ANY OBLIGATION TO MAINTAIN THIS WEBSITE OR KEEP IT OPERATIONAL. APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO THESE EXCLUSIONS MAY NOT APPLY TO YOU IN WHOLE OR IN PART. 9. LIMITATION OF LIABILITY UNDER NO CIRCUMSTANCES WILL EQUALITYMD BE LIABLE TO ANY PERSON OR BUSINESS ENTITY FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR OTHER DAMAGES OR LOSSES BASED ON OR CAUSED BY ANY USE OF THIS WEBSITE OR ANY OTHER WEBSITE TO WHICH THIS SITE IS LINKED, THE CONTENT OF THIS OR OTHER WEBSITES, OR ANY VIRUSES OR OTHER HARMFUL COMPONENTS DERIVED FROM ANY SUCH WEBSITES, INCLUDING WITHOUT LIMITATION ANY LOST PROFITS, REVENUE, OR USE, BUSINESS INTERRUPTION, OR LOSS OF COMPUTER PROGRAMS, DATA, OR INFORMATION, EVEN IF EQUALITYMD HAS BEEN SPECIFICALLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES. APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF CERTAIN LIABILITIES, SO THESE EXCLUSIONS MAY NOT APPLY TO YOU IN WHOLE OR IN PART. 10. INDEMNIFICATION You agree to indemnify and hold equalityMD, and its successors, assigns, affiliates, directors, officers, agents, partners, and employees, harmless from any claim or demand, including reasonable attorneys’ fees and amounts paid to settle claims or demands, made by any person due to or arising out of User Content you submit, post to, email, or otherwise transmit through the Services or Website, your use of the Services, your connection to the Services and Website, or your breach of this Agreement. 11. TERMINATION OF SERVICE You may discontinue your participation in and access to the Website and Services at any time. The Agreement will continue to apply to all past use of the Website and Services by you, even if you are no longer using it. You acknowledge and agree that equalityMD and its affiliates may terminate or block your use of all or part of the Website and Services without prior notice for any reason, including, without limitation, if equalityMD believes you have engaged in conduct prohibited by this Agreement. You agree that upon termination or discontinuance for any reason, we may delete all information related to you on the Website and Services and may bar your use of the Services. equalityMD reserves the right to seek all remedies available at law and in equity for violations of this Agreement. 12. MODIFICATION OF THE WEBSITE OR SERVICES EqualityMD reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Website and/or Services with or without notice. You agree that equalityMD will not be liable to you or to any third party for any modification, suspension, or discontinuance of service. 13. JURISDICTION AND CHOICE OF LAW This Website is hosted on servers located in the Commonwealth of Virginia, United States of America. All disputes arising out of or relating to this Agreement or equalityMD's operation of this Website shall be resolved by binding arbitration in the City of Richmond in the Commonwealth of Virginia, United States of America, pursuant to the rules of the American Arbitration Association (“AAA”), by a single arbitrator. The parties shall select the arbitrator. If they are unable to agree on an arbitrator, the arbitrator shall be selected by the AAA. All such disputes shall be governed by the laws of Virginia and applicable federal laws, without giving effect to conflicts of laws principles. The Uniform Computer Information Transactions Act (“UCITA”), as enacted in the Commonwealth of Virginia or in any other Commonwealth or State of the United States, shall not apply to this Agreement. EqualityMD controls and operates the Website from the City of Richmond in the Commonwealth of Virginia, United States of America and makes no representation or warranty that the content of the Website is appropriate, lawful, or available for use in other geographic locations. If you use the Website from other locations, you are responsible for compliance with all applicable local laws. 14. NO WAIVER The failure of equalityMD to enforce any provision of this Agreement or to respond to a breach of this Agreement by you or other persons shall not in any way constitute a waiver of equalityMD's rights to enforce any provision of this Agreement against you or any other person at any time. 15. NOTICES equalityMD may give notices to users of the Website, at equalityMD's option, by posting a message on the Website, by e-mail, or by regular mail. Notices to equalityMD can be sent via e-mail to hello@equalitymd.com or by regular mail to: EqualityMD, Inc. Attn: Chief Technology Officer hello@equalitymd.com 16. PRIVACY POLICY Information about you is subject to the Privacy Policy of this Website. 17. VIOLATIONS Please report any violations of this Agreement to hello@equalitymd.com. Manage Your Membership Return to Homepage Login to Your Patient Portal Contact hello@equalitymd.com © 2026 by EqualityMD, Inc. About EqualityMD Home Who We Are Blog Contact Us Membership Join Now Pricing Doctors & Therapists Urgent Care Primary Care Mental Health Care Thrive Ai Help & Support Help Center / FAQs Terms & Conditions Privacy Policy Member Agreement

Explore EqualityMD, Inc's Privacy Policy to understand how your health and wellness data is protected. Visit our Privacy Policy for details. EqualityMD, Inc: Privacy Policy EqualityMD, Inc. (“equalityMD”) is committed to protecting your privacy. Please read this Privacy Policy, as well as our Terms of Use Agreement, for more details about how we use information you submit to the equalityMD Website located at www.equalitymd.com (the “Website”). This Privacy Policy, together with the Terms of Use Agreement, constitutes the entire agreement between you and equalityMD relating to the Website. By your use of the Website, you consent to be governed by this Privacy Policy. IF YOU DO NOT AGREE TO THIS PRIVACY POLICY, YOU ARE NOT AUTHORIZED TO USE THE WEBSITE. EqualityMD may revise this Privacy Policy at any time. Any Privacy Policy revisions will be effective upon posting to the Website. You should review this Privacy Policy, each time you visit the Website to inform yourself of any revisions. Your continued use of the Website will constitute your acceptance of the Privacy Policy as revised. If you have any questions about this Privacy Policy, please contact hello@equalitymd.com . Personally Identifiable Information You may visit the Website without disclosing any information about yourself. Registration is not required to browse or view the site. However, to utilize Website applications online, and possibly to conduct other activities on the Website (“Services”), you may be required to register and provide accurate information about yourself to the Website. The Services may not work properly without accurate information. When using the Services, we may ask you to provide all or some of the following information: your name, your address, your email address, your telephone number, and personal medical and health information (“Personal Information”). It is equalityMD's intent to guard any Personal Information that you provide via the Website from unauthorized disclosure by reasonable technological measures. Information provided to equalityMD is not, however, protected by encryption technology, and we cannot ensure that all of your Personal Information will never be disclosed in unintended ways. We do not give or sell Personal Information about our registered users to any third party, except as required by law or as necessary to provide services to our customers. If you have any questions about your Personal Information, please contact hello@equalitymd.com . Non-Personally Identifiable and Aggregated Information: When visiting the Website or using the Services, and to evaluate the Website and ensure that we are providing content and Services of interest to you, we may collect and aggregate non-personally identifiable information (“Non-Personal Information”). Non-Personal Information includes any information from which your identity is not readily ascertainable, and may include statistical information regarding how you use the Website, the numeric address assigned to the computer you are using (your “IP address”), browser, operating system, pages or content you access while visiting the Website and the date and time of such access. The aggregated information we collect will not identify you personally, but we may share this aggregated, statistical information with third parties. Cookies From time to time equalityMD may place a cookie on your computer. A “cookie” is a small line of code that is stored in your browser when you visit a cookie-enabled website. A cookie allows us to track and keep records of user activity. Most browsers are initially set to accept cookies. If you set your browser to reject cookies, some parts of the Website may not function properly. Moreover, to use the Services, your browser must accept cookies. In some cases, we may also track or collect information about your use of the Website by small, 1-pixel gifs (Web bugs), your IP address, or by the URLs that you come from or leave to. These methods allow us to analyze trends across the Website, to resolve server problems, and to administer the Website. We use this information for internal analysis and do not associate this information with any other Personal Information that you may have provided us. Google Analytics Google Analytics is a web analysis service provided by Google that utilizes cookies to monitor website traffic. We use Google Analytics to collect, track and examine data about the Website. We may run reports based on the data we collect, and we may share the data with other Google services. Google may use the data to personalize and customize the advertisements that are served to you from its advertising network. The Site does not respond to “Do Not Track Signals” from your browser. Disclosure for Lawful Purposes equalityMD reserves the right to access and disclose Personal Information, Non-Personal Information or Aggregated Information to comply with applicable laws and lawful government requests, to operate its systems properly, or to protect itself or others. equalityMD may attempt to obtain the prior consent of the individual before disclosing Personal Information, but it has no obligation to do so. Links to Third-Party Sites A small number of equalityMD Website pages contain links that may take you outside of our Website to other Internet locations, such as third-party websites. EqualityMD's Website application submission capability may be outsourced to a third party. You should be aware that such third parties may collect data from or about you, which is beyond equalityMD's control. EqualityMD is not responsible for any use or misuse of personal information by such third parties. We recommend that you view the privacy policy posted on each website that you use to confirm that the site’s policies are acceptable to you. Notification of Changes EqualityMD reserves the right to modify this Privacy Policy at any time. Please review this Privacy Policy from time to time to ensure your familiarity with its terms. If you have any questions about this Privacy Policy, please contact hello@equalitymd.com . Parties with Whom We Share Your Information EqualityMD may share certain information to service providers we use to support our business. All of our service providers are bound by contractual obligations to keep Personal Information confidential and use it only for the purposes for which we disclose it to them. EqualityMD may also share or transfer Personal Information you provide to us or that we collect with other entities that equalityMD may acquire, or with entities that may acquire equalityMD, or with entities with which equalityMD merges or partners. Retention of Your Communications to equalityMD EqualityMD may retain your questions and feedback in order to improve our Services. Accordingly, do not send equalityMD any information, ideas, suggestions, proposals or comments that you consider confidential or that you wish to be treated as confidential. Retention of Your Personal Information We will retain your Personal Information as long as you remain registered with the Website, and as necessary to provide you with the Services or as otherwise set forth in this Privacy Policy. We will also retain and use your Personal Information as necessary for the purposes set out in this Privacy Policy and to the extent necessary to comply with equalityMD's legal obligations, resolve disputes, enforce our agreements and protect equalityMD's legal rights. equalityMD also collects and maintains aggregated, anonymized or pseudonymized information which we may retain indefinitely to protect the safety and security of equalityMD, improve our Services or comply with legal obligations. Your Rights You have the right to be informed of the Personal Information processed by equalityMD, and a right to the rectification, correction, erasure, and restriction of processing of your Personal Information. You also have the right to request from equalityMD a structured, common, and machine-readable format of the Personal Information you provided to equalityMD. EqualityMD can only adhere to your request if you provide us Personal Information or data that enables us to confirm your identity and that you have used the Website or Services. To exercise any of the rights mentioned in this Privacy Policy and/or in the event of questions or comments relating to the use of personal data you may contact equalityMD at hello@equalitymd.com . In addition, you have the right to lodge a complaint with the data protection authority in your jurisdiction. Security EqualityMD will undertake reasonable steps to protect all information, including Personal Information, from unauthorized or accidental access, disclosure, misuse or processing, or from alteration, destruction, or loss. However, because no security measures are perfect or impenetrable, we cannot guarantee the security of information you submit to us. Children’s Privacy The Website is not intended for children under eighteen (18) years of age, and equalityMD does not knowingly collect personal information from children under eighteen (18) years of age. If equalityMD learns we have collected or received personal information from a child under eighteen (18) years of age, without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under eighteen (18) years of age, please contact us. International Users EqualityMD is based in the United States and the Website and Services are intended for users in the United States. If you are accessing the Website or using the Services from the European Union, Asia, or any other region with laws or regulations governing personal data collection, use, and disclosure that differ from United States law, your continued use of the Website or Services are governed by United States law and these terms. Moreover, your continued use of the Website and Services indicate your consent to transfer your personal information to the United States. California Privacy Rights (For California Residents Only) Section 1798.83 of the California Civil Code requires select businesses to disclose policies relating to the sharing of certain categories of customers' Personal Information with third parties. These businesses are required to accept requests for disclosures of these policies from customers but are only required to honor one request per calendar year. Businesses have thirty (30) days to respond to each inquiry to the designated address. Each inquiring customer will receive an explanation of the categories of customer information shared and the names and addresses of any third-party businesses. In limited circumstances, customers' failure to submit requests in the manner specified will not require a response from the business. If you are a California resident, you may request such information from us by sending a letter to the address listed below. In your letter, please provide your name, address and email address, as well as a request that we provide such information to you, by using the following or similar language, “I request that equalityMD provide its third party information sharing disclosures required by Section 1798.83 of the California Civil Code.” California Privacy Rights – California Consumer Protection Act (“CCPA”) We abide by California law where applicable for any California residents using the Website. Under the CCPA, you may make certain requests about your Personal Information, including to request access to and/or revision of certain Personal Information by contacting us as described below. If you wish to limit the emails you receive from us, you may let us know by contacting us as described below. EqualityMD is not currently a business that falls under the CCPA. Accordingly, equalityMD need not currently comply with CCPA. However, equalityMD is informing you of your general rights under that law should an occasion occur when equalityMD must comply with CCPA. California consumers have the right to: 1. Request disclosure of the categories and specific pieces of Personal Information that a business has collected about you. 2. Request disclosure of the categories of third-party sources, if any, from which a business has collected Personal Information about you. 3. Disclosure of the business or commercial purpose(s) for which your Personal Information has been collected. 4. Receive a list of the categories of third parties with whom a business has shared your Personal Information. 5. Request that a business delete any Personal Information that it has collected from you (subject to exceptions). 6. Not be discriminated against by a business (e.g. charged different rates, provided different levels of service, denied goods or services, or suggested any of the preceding) for exercising any of the individual rights granted above. 7. Designate an authorized agent to exercise any of the individual rights granted above, on your behalf. 8. Opt-out of the sale of Personal Information, if applicable. To exercise any of your rights as a California consumer, you may reach out to equalityMD at hello@equalitymd.com . If required, and before complying with your request, equalityMD will need to verify that it is you that is making the request. To accomplish this, you (or your authorized agent) may be requested to (1) confirm specific pieces of Personal Information that equalityMD already knows about you, or (2) provide equalityMD with appropriate identification depending on the sensitivity of the information requested. California consumers are limited to two requests for Personal Information per twelve-month period. Contact Information If You have any questions regarding the information we collect or how we treat the information we collect pursuant to this Privacy Policy, or you wish to exercise your rights under this Privacy Policy, we encourage you to contact us at hello@equalitymd.com . Manage Your Membership Return to Homepage Login to Your Patient Portal Contact hello@equalitymd.com © 2026 by EqualityMD, Inc. About EqualityMD Home Who We Are Blog Contact Us Membership Join Now Pricing Doctors & Therapists Urgent Care Primary Care Mental Health Care Thrive Ai Help & Support Help Center / FAQs Terms & Conditions Privacy Policy Member Agreement

Discover the benefits of Primary Care with EqualityMD. Enjoy 12 free virtual Primary Care visits a year. Schedule easily and save today! We make sure your workforce has access to exceptional primary care wherever they are. Primary Care Our national network of primary care doctors provide wellness screenings, offer routine maintenance and preventative care, help patients manage chronic conditions on their terms, and deliver expert guidance and personalized care for each individual's unique health and wellness needs. Get started today! What We Care For Schedule visits with board-certified doctors for preventive wellness screenings, as well as routine care for non-urgent medical concerns and ongoing care for chronic conditions. Our national network of doctors have an average of 17 years of experience and provide reliable care for more than 80 common, non-emergency conditions including: Arthritis Allergic conditions Blood pressure Diabetes Conjunctivitis GI tract issues Hair loss High cholesterol Hypertension Obesity and weight management Rashes Respiratory conditions Neck & Back Pain Lyme Disease Sexual Health (including PrEP) See complete list What Does Primary Care Cost? Our members enjoy the flexibility of being able to see our primary care doctors 12 times per year for FREE from anywhere in America without ever worrying about insurance premiums, deductibles, co-pays, out-of-pocket expenses, or unjustly denied claims. Members save an average of $170 per visit when they use Equality MD instead of using insurance. Save your employees money and give them peace of mind by making our pre-insurance platform one of your employee benefits. Login to your portal Get started today! How much money can your employees save with Equality MD ? Primary Care $170 - $600 per visit Before meeting ESI plan's $1,900 deductible (nat'l avg. for individual) $25 - $75 per visit After meeting ESI deductible Hidden Insurance Costs Equality MD $0 per visit Mental Health Primary Care Urgent Care Our members never pay anything for virtual healthcare visits Start Saving Today! FAST Avialability | Nationwide Coverage | No Pay-Per-Visit | No Co-Pays | No Out-of-Pocket Expenses | No Premiums | No Deductibles | No Co-Insurance | No Surprise Medical Bills | True Healthcare Freedom | Continuity of Care | Transparent Pricing | Member Benefit Members enjoy 12 virtual primary care visits per year for FREE National provider network trained to deliver the inclusive care you deserve Schedule appointments at your convenience Appointments are available Monday-Friday, 9AM-5PM EST Some doctors are available for same-day visits In-person care referrals when needed If your doctor orders lab work, orders will be sent to the nearest Quest, LabCorp, or other facility of your choosing All appointments are confidential & protected More FREE benefits are available after joining! *Throughout the year, you'll be notified of how many appointments you have remaining. Get started today! When to use Primary Care You don't have a primary care doctor, but you want one You're employer assigned you a random primary care doctor, but you don't feel comfortable seeing them You want a doctor who understands your needs You want a fast way to connect with doctors you hand-pick You want personalized care from the comfort of home You can't get an in-person visit for weeks (or months) You need care when your regular doctor isn’t available, or you can’t get an appointment that works for you You have insurance but don't want to spend lots of money on a primary care co-pay... especially if you haven't met your deductible or go out-of-network! Get started today! Contact hello@equalitymd.com © 2026 by EqualityMD, Inc. About EqualityMD Home Who We Are Blog Contact Us Membership Doctors & Therapists Urgent Care Primary Care Mental Health Care Thrive Ai Help & Support Help Center / FAQs

Meet EqualityMD: Your partner in affirming & accessible LGBTQ+ healthcare. Learn our story & mission. The Future of Healthcare is Pre-Insurance Elevate your Benefit Program Today Our cost-saving, pre-insurance solution for employers reduces health costs and increases access to care while avoiding the insurance headache Powering Better Work through Smarter Healthcare Virtual Care for your Company without the Insurance Headache Many insurance companies include telehealth as a way to make their costly plans seem more accessible. Unfortunately, most providers continue to charge doctor copays in addition to insurance premiums, and their telehealth technology partners charge extra fees to patients to recoup their costs. Our comprehensive pre-insurance platform functions without insurance , ensuring your employees enjoy unfettered access to care on their terms and never pay any out-of-pocket health costs. Join the pre-insurance revolution! 98% Member Satisfaction Our members enjoy an unparalleled level of trust that's rarely experienced with traditional, insurance-based healthcare systems 100% of Active Members Save Valuable Time and Money Members quickly realize our incredible value and begin utilizing our platform instead of relying on their expensive insurance plans 25,000+ Providers Nationwide Our national network of independent providers deliver personalized, patient-centric care throughout all 50 states AI-Powered Resources Help Members Thrive We integrate AI and mental health best practices into daily life, making self-care accessible, personalized, and stigma-free Pre-Insurance is Your Future of Work Solution Our pre-insurance platform is a powerful, tech-enabled future of work solution that helps employers attract and retain savvy talent seeking affordable, accessible, and flexible health benefits. Our turnkey solution integrates seamlessly with HR workflows, resulting in significant cost savings for our clients and helping them retain their valuable workforces. Pre-insurance is an inexpensive benefit for your entire workforce, including uninsured workers and those that don't qualify for traditional ESI plans Employees never have any out-of-pocket costs Employers that offer our pre-insurance platform as a employer-paid benefit enjoy maximum engagement, savings, and ROI Pre-insurance can also be a voluntary benefit We can scale from a few employees to thousands nationwide Learn more What We Stand For Values That Guide Every Decision Freedom We ensure your company has the freedom to offer compelling health and wellness benefits that don't impact your ESI plan Integrity We provide transparent pricing for your company and comprehensive care for your workforce, all without insurance Empowerment We empower your HR and benefits teams with resources to make informed health decisions for diverse workforces Community Our pre-insurance solution unites pragmatic business leaders who want to cut health costs without sacrificing quality care Your Pre-Insurance Partner in Health & Wellness Caring for your workforce is good for business. We proudly serve employers of all sizes across all industries. Together, we’ll create a comprehensive care plan that proactively prevents illness and injury, while promoting healthier choices and frequent engagement with our platform. Learn more Success Stories See How Our Members Are Experiencing a New Kind of Care Our members are delighted to share how EqualityMD has impacted their lives in ways they never thought possible. Get started today! I’ve never liked seeing the in-network doctors my employer assigned me. With EqualityMD, I pick the providers I want to see and they respect me for who I am. Martha T. I’m a small business owner and can't afford to offer insurance to my team. I’m glad EqualityMD doesn’t take insurance so I can offer healthcare to my colleagues! Scott G. I have decent insurance and use it for in-person care. For everything else I use EqualityMD to save money & get care on my terms without the insurance headache. Kim P. Empower your workforce to reclaim both agency and ownership of their unique health and wellness journeys with pre-insurance. Get Started Contact hello@equalitymd.com © 2026 by EqualityMD, Inc. About EqualityMD Home Who We Are Blog Contact Us Membership Doctors & Therapists Urgent Care Primary Care Mental Health Care Thrive Ai Help & Support Help Center / FAQs

Discover answers in our Help Center for all your telehealth platform FAQs. Visit our Help Center to enhance your health & wellness journey. Frequently asked questions Common Questions About EqualityMD Membership Questions Privacy Technical Questions Emergency Resources What is pre-insurance? EqualityMD's national pre-insurance virtual care/Rx benefit platform is a claim prevention tool that resolves healthcare upstream, so expensive downstream insurance is rarely needed. Pre-insurance addresses everyday health needs before they trigger insurance—no claims, deductibles, or copays—reducing overall plan spend by 20-30% while enhancing employee wellness and satisfaction. Because EqualityMD operates outside of America’s broken insurance-based health ecosystem, it enjoys the enviable freedom to craft bespoke per-employee-per-month (PEPM) contracts that fit any budget for any size business or organization nationwide. Pre-insurance does not replace insurance. It’s a cost-saving complement to any existing employer-sponsored insurance (ESI) plan. For any in-person care needs, employees and individuals can always rely on their existing insurance plan. Insurance is backup protection solving catastrophic risks. Pre-insurance is front-line care solving everyday health needs. Together, they form a complete care system. How does pre-insurance work? Pre-insurance eliminates all the greedy middlemen that are responsible for making healthcare so expensive. America's broken insurance-based health system relies on the following entities to function... the problem is that these entities artificially raise health costs to earn higher profits at the expense of employers and patients nationwide. 1) Health insurance companies They underwrite risk and set premiums. • They add $3,000–$4,500/employee/year in profit margin (5–7%) + overhead (10–12%) on top of medical claims. • They drive 6.5–11% annual premium hikes (Mercer 2025) through actuarial loading, marketing, and shareholder returns, inflating total employer-sponsored insurance (ESI) spend by 25–30% beyond pure care costs. 2) Third-Party Administrators They process claims and manage plan operations. • They charge $15–$25/claim + 17% of premiums. • This adds $2,000–$3,000/year/employee in admin fees (Mercer 2025). 3) Pharmacy Benefit Managers They negotiate drug prices but take rebates/spread pricing. • This adds $1,200–$1,800/year/employee in hidden costs (KFF 2024). 4) Insurance Brokers and Consultants They advise employers on plans, earning 3–6% commissions. • This adds $200–$400/employee in hidden costs (SHRM 2025). 5) Utilization Review Firms They pre-approve treatments, and often delay care. • This adds $100–$300/claim in overhead (Peterson-KFF 2025). 6) Medical Billing Companies They code and submit claims • They upcode and add errors, which costs $50–$150/claim in disputes (AMA 2025). 7) Re-Insurance Carriers They cover high-cost claims. • This adds 5–10% per claim, which are baked into premiums via higher costs (Aon 2025). 8) Legal and Compliance Vendors They handle ACA/ERISA filings. • This adds $300–$600/employee/year in hidden costs (Mercer 2025). 9) Data Analytics Firms They provide risk scoring. •They charge $100–$200/employee for reports (McKinsey 2025). With no third parties artificially inflating healthcare costs: 1) Our doctors make more money, 2) Our partners pay less, and 3) Our patients receive high quality care on their terms. Normally, doctors and digital healthcare companies are forced to work in a "managed care" model (meaning insurance companies are involved). Managed care models take control out of the hands of doctors and puts it in the hands of third party middlemen that don't actually treat patients. These third parties add overhead and unnecessary expenses to patients' bills and pay doctors less. By removing middlemen from the process, we're able to pass the savings along to our partners! Without greedy middlemen clogging up the healthcare system, our partners/patients pay less and our doctors are paid more! Also, our doctors are able to have organic relationships with patients because they don't have to worry about restrictions placed on them by third parties EqualityMD's pre-insurance virtual care solution delivers healthcare the way it should be: Patient-focussed, transparent, affordable, and accessible. How much does it cost to join EqualityMD? The cost of joining EqualityMD depends on your organization’s size and whether you choose to cover memberships for your team or offer our platform as an optional benefit. Companies that pay for memberships save the most on healthcare costs and see higher utilization for preventative care. Memberships include 36 virtual visits annually (12 each for primary care, mental health, and urgent care), AI coaches, wellness resources, and a FREE pharmacy savings benefit. With no premiums, deductibles, or hidden fees, our platform is affordable and commitment-free. Cancel anytime. Contact hello@equalitymd.com for more details. Why should you join EqualityMD if you already have telemedicine through insurance? Yes! EqualityMD offers a unique, hassle-free alternative to traditional telemedicine tied to insurance. While insurance-based telehealth often comes with copays and fees, our pre-insurance virtual care platform provides unrestricted access to care with no out-of-pocket costs. Take control of your health journey with patient-focused care available across all 50 states. Does EqualityMD accept insurance for its services? No, we don’t accept insurance. EqualityMD is designed to make healthcare accessible and affordable for everyone by eliminating the need for insurance. Enjoy high-quality care without the complexities of traditional insurance systems. Do EqualityMD's providers deliver inclusive care? Yes! Our network of 25,000+ providers have received evidence-based, cultural competency training materials to ensure they know how to create safe digital spaces for patients from all walks of life across all 50 states. At EqualityMD, your workforce can enjoy peace of mind knowing that whomever they pick to be their providers are ready to embrace their unique intersectional identities, meet them where they are, and deliver the inclusive care they deserve. How long are virtual visits? A mental health session is 50 minutes. Other telehealth companies cut corners by offering 20, 30, or 40-minute sessions. Not EqualityMD! We want to help your team achieve their health and wellness goals, so we make sure they get a FULL 50-minute therapy session EVERY TIME they book an appointment. A standard primary care visit can last anywhere from 10-20 minutes (depending on the patient's situation). A standard urgent care visit can last anywhere from 5-15 minutes (depending on the patient's situation). What are common reasons to use Primary Care virtual visits? EqualityMD virtual visits are not intended for use in medical emergencies. If you are experiencing a medical emergency, please call 911 or other local emergency services and/or go to the emergency room of a nearby hospital or medical clinic. EqualityMD Primary Care is commonly used to address the following issues: Abdominal pain Allergies Anxiety (mild cases) Arthritis Asthma (stable/non-emergency) Athlete’s foot Back pain Bee sting Birth control pills Bladder infections Bronchitis Cellulitis (skin infection) Cold Conjunctivitis Cough Cystitis Diarrhea Diabetes Dry scalp Dry skin (eczema) Erectile dysfunction (mild cases) Eye irritation Fever Genital lesions Gout Hay fever Headache Heartburn (Gastroesophageal Reflux Disease, "GERD") Influenza Lab interpretation Lice Menstrual symptoms Nasal congestion Nausea Nosebleed Painful urination Pharyngitis Pink eye Poison oak/ivy Preventative health lab test Rash Respiratory infection Rolled ankle Scabies Sinusitis Skin infection Sports injuries STD screening lab tests Thyroid disease (hypothyroidism) Travel medicine Upper respiratory infection Urinary tract infection Vaginal itching Yeast infections Always call 911 or your local emergency service immediately if you think you have an emergency. For example, if you experience any of the following medical issues, go immediately to an emergency room: Chest pain or pressure Convulsion or seizure Difficulty breathing Mental health or substance abuse urgency Moderate to severe burn Pain medication overdose or reaction (narcotics) Poisoning Serious head, neck, or back injury Serious limb impairment or broken bone Significant, uncontrolled bleeding Suicidal ideation Unconsciousness Any other critical or life-threatening situation What mental health challenges can we help you navigate? Our therapists and behavioral clinicians are here to support you through a variety of mental health challenges, including anxiety, stress, depression, low self-esteem, work or family-related issues, relationship concerns, identity-related struggles (e.g., LGBTQ+, racial minorities, veterans, neurodiversity, immigrants), trauma, and more. Most of our patients feel better after just three visits. When life feels overwhelming, lean on us for affirming care tailored to your needs. For immediate help during a crisis, please contact: • Call 988 for the Suicide & Crisis Lifeline (English & Spanish) • Call 1-800-273-8255 for the National Suicide Prevention Lifeline • Call 911 for emergencies. Manage Your Membership Return to Homepage Login to Your Patient Portal Contact hello@equalitymd.com © 2026 by EqualityMD, Inc. About EqualityMD Home Who We Are Blog Contact Us Membership Join Now Pricing Doctors & Therapists Urgent Care Primary Care Mental Health Care Thrive Ai Help & Support Help Center / FAQs Terms & Conditions Privacy Policy Member Agreement