Your benefits include Doctor On Demand and Included Health

Included Health and Doctor on Demand apps on mobile phones

Your benefits include Doctor On Demand and Included Health

24/7 access care from anywhere, download our free apps to get started.

Doctor On Demand

  • Online doctors available 24/7
  • See doctor in as little as 5 minutes
  • Schedule a future visit
  • Schedule a session with a psychiatrist
  • Schedule a session with a therapist
  • Medication management

Included Health

  • Find a doctor
  • Get help with your medical bill
  • Message your care team
  • Get an expert second opinion
  • Call for fast health advice
  • Access your insurance information  

Need to start a virtual visit?

Covered visits for Bread Financial associates

You have access to Doctor On Demand's Urgent Care + Behavioral Health providers. The average wait time to see an urgent care provider is usually 5 minutes or less.  Behavioral health appointments are generally available within a few days. Our mental health practice isn’t confined to business hours, Monday through Friday. Choose from a variety of therapists with different backgrounds and specialties, available when you are.

Type of care
Your cost

HRA/PPO Plan: $25
HSA/HDHP Plan: 20% after deductible is met


HRA/PPO Plan: $25
HSA/HDHP Plan: 10% after deductible is met


HRA/PPO Plan: $25
HSA/HDHP Plan: 10% after deductible is met

We’re here for the big things, the little things, and everything in-between

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Get expert second opinions with no exams or appointments.
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Have 24/7 access to virtual doctor visits and therapists.
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Find trusted, in-network doctors and therapists.
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Understand what your benefits offer.
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Find care from the palm of your hand.

It’s easy. We just need to check a few details.

  • 1Activate your account
  • 2Search for the care you need
  • 3Get matched with high quality care
Activate my account
Download the Included Health app

We’re helping almost six million people live their healthiest lives.

“Included Health has helped me navigate my way through the healthcare system. I finally had somebody that was going to be in my corner and find me what I needed.”

Grand Rounds member Patrik
Composition of 3 clinicians

Over 200 on-call clinicians

Our staff physicians and care coodinators go above and beyond to make sure you get the care you need.

Common questions about our health benefit

What is Included Health?

Included Health is a health benefit made available to you through Bread Financial. We are a guide and resource for your medical and health care-related needs. Our services include finding you the top doctors and specialists in your insurance network, booking doctor’s appointments on your behalf, getting you remote second opinions from world-leading experts, answering any questions you may have about medical conditions, and more.

When should I use Included Health?

Use Included Health when:

  • You need a primary care physician or specialist for an in-person visit. We’ll help you find trusted and experienced doctors within your insurance network and can even set the appointment for you.
  • You’re unsure about a diagnosis, or you’ve been recommended surgery as a form of treatment. We can arrange for you to get a remote second opinion from a leading expert specializing in your area of need.
  • You’d like quick answers to medical questions. We can provide you with over-the-phone guidance and support from a Included Health doctor.
Who can use Included Health?

Included Health is available at no cost to you and your dependents who are on your Bread Financial medical plan. Bread Financial provides this service so that you have access to the best medical care possible.

How much will this cost me?

Included Health is fully covered by Bread Financial and available at no cost to you and your enrolled dependents. Simply enter your information and Included Health will waive all fees. Plan guidelines will apply for any treatments as a result of the Expert Opinion or Office Visit – Included Health will find the doctor, collect all relevant medical records, and (if necessary) schedule the appointment at no cost.

Is there an incentive to use Included Health?

Bread Financial will pay 85% of your in-network claims (5% more than normal) for certain procedures if you complete a Included Health Expert Opinion prior to surgery. The specific procedures include:

  • Back procedures
  • Hip procedures
  • Knee procedures

The procedure must be completed at an Aetna IOQ in order to qualify for the incentive.

Why is Bread Financial requiring a second opinion for bariatric surgery?

Included Health has found that certain surgeries and procedures have a higher rate of misdiagnosis and improper treatment. Because of this, Bread Financial is requiring that you work with Included Health before proceeding with certain non-emergent bariatric procedures so that one of the country’s experts can confirm you are on the best treatment path. For any bariatric surgeries taking place on or after January 1st, 2018, you need to complete a second opinion with Included Health prior to scheduling surgery and initiating precertification in order for it to be covered under the Bread Financial medical plan. If you don’t complete the second opinion prior to your surgery, you will be responsible for 100% of your bariatric surgery expenses. It is recommended that you begin a second opinion with Included Health at the beginning of the multi-month precertification process, before surgery. The process takes about 3 weeks.

The procedure must also be completed at an Aetna IOQ in order for the cost to be covered by the Bread Financial Medical Plan.

What can I expect from Included Health?

All Included Health services can be easily accessed by calling 1-855-229-0828, visiting or by downloading the Included Health mobile app. For certain Included Health services, a member from your Care Team will reach out to you to learn about your exact needs. They’ll take care of everything, from finding you the right doctor to collecting your medical records. Expect a care coordinator to follow up with you after you’ve seen the recommended doctor, to answer any questions you may have and start additional cases if needed.

What areas does Included Health specialize in?

Included Health physicians span all conditions and specialty areas, including: back and knee pain, cancer, heart disease, arthritis, behavioral health disorders, migraines, digestive system disorders, dermatology, pediatrics, ACL tears, and much more.

How does Included Health select its physicians?

Included Health selects physicians based on their education and training, patient outcomes, and location. As a result, we’re able to match you with highly experienced doctors and specialists who are best suited to your personal preferences and medical needs.

How much will it cost me to see a recommended doctor?

Typically, you’ll only pay your regular copay and office visit fees for seeing an in-network doctor. For further details, call the Included Health Care Team at 1-855-229-0828, available Monday through Friday from 8:00am – 9:00pm ET.

What will my doctor think about Included Health reviewing my case?

Most doctors are glad to get the opinions of their peers when assessing complicated medical issues. Their primary goal is to get you feeling better. A good way to frame a conversation with your treating physician regarding a Included Health expert opinion is:

  • “I requested a consultation about [condition] and here’s what I learned…”
  • “Here’s what I was surprised to find out…”
  • “Dr. Smith recommended these options for my care because of these reasons…”
Will this information go to my employer?

Any personal health information you share with Included Health is held confidentially and will not be shared by us, unless authorized by you, or where legally permissible and/or required under applicable law.

Is Included Health part of my insurance?

Included Health is not affiliated with your insurance, and operates separately to guide your ongoing care. The goal of Included Health is to provide you with useful information about your health so that you can make informed decisions about your medical care, and have healthier outcomes overall.

How does Included Health use my SSN?

The last four digits of your SSN are needed to confirm both your identity when creating an account and your eligibility for the Included Health benefit.

I have other questions. Where should I go?

Call 1-855-229-0828 or email

Do I have access to Doctor On Demand?

Yes, your plan allows you to access Doctor On Demand which is now part of Included Health. Doctor On Demand offers 24/7 access to doctors, psychiatrists, psychologists, therapists and other medical experts. Select and see your favorite providers again and again, right from your smartphone, tablet or computer. It’s free to sign up and easy to check your coverage when you register.