Plan to benefit with
our expert help.

Now is the time to make your health plan benefit choices. Included Health makes it easy to understand your options and feel confident in your decisions.

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Log in to your dashboard to get started.

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Find a local doctor
Find trusted, in-network doctors and therapists.
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Call a nurse

Speak with a nurse who can offer treatment advice, help you decide next steps, and even connect you with a doctor if needed.

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Virtual visits
Have 24/7 access to virtual doctor visits and life coaches.
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Personal care team

Ask questions and get advice about any medical or billing need from a team of experts.

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Expert second opinions

Get a medical opinion from one of the country's top specialists for your condition.

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Insurance info

Access your insurance plan details, ID card, medical claims, co-pays, deductibles, and your benefits all in one place.

Included Health services are provided by HPE to all team members and their families at no cost. Some of the services above are only available to Anthem plan members and their enrolled family members. Please contact Included Health with any questions around which services are available to you and your family.

Covered Urgent Care and Behavioral Health for HPE EmployeesHPE is waiving copays due to the COVID-19 public health emergency. Copays are subject to change without notice and are based on your plan. Services are covered for HPE employees and enrolled family members.

Urgent care

The average wait time to see an urgent care provider is usually 5 minutes or less. Get treated for cold and flu, skin conditions, UTI's, chronic care, allergies, and more.

Behavioral health

You also have access to behavioral health services at no cost to you. Choose from a variety of therapists with different backgrounds and specialties, available when you are. Get treated for anxiety, depression, stress, trauma and loss, PTSD, bipolar disorder, relationship issues, and more.

Type of care
Your cost







Top 5 Open Enrollment Questions

Copay, Coinsurance, Deductible, Premium… so many syllables! What do these words even mean?

Jargon is the worst. Let’s put this in real English for you:

  • Premium. Your  premium is like rent: it’s the amount you pay for your health insurance every month. 
  • Copay. Your copay is the amount of money ($20, for example) you pay for any doctor visit or healthcare service covered by your insurance. 
  • Deductible. Your deductible is just the amount of money you’ll pay towards doctor visits and other healthcare services yourself, before your insurance plan starts to pay. Plans have different deductibles. You “meet” your deductible when you have spent that amount on healthcare services.
  • Coinsurance. Coinsurance is the percent of costs of doctor visits and other healthcare services you’ll pay after you’ve reached your deductible and your insurance plan has started to pay.

    It’s a lot. Here’s an example. Say you get a $3000 medical bill.
    Your plan has a deductible of $2000 and coinsurance of 20%.
    You’ll pay $2000 (“meeting” your deductible), and have $1000 still left to pay.
    Of that $1000, you’ll pay 20% and insurance will pay 80%.
    Your final total: $2200. 
    $2000 deductible + $200 coinsurance (20% of $1000 =$200).


Unfortunately, it’s not just about the lowest monthly costs, or even lowest deductibles. Best guesses are your best bet. Jot down anything you can think of you might need in the upcoming year or any changes you anticipate. Here are some helpful questions:

  • Do you imagine next year will be about the same as last year as far as your healthcare needs?  
  • Do you have any anticipated large medical expenses in the next plan year, such as surgery, pregnancy, or chronic conditions that require many appointments/tests? (If you have conditions you need to manage or high cost medical expenses, a PPO/ HMO may be more cost effective in the long run.)
  • Or are you healthy and engaging mostly with preventive care? (Then you might consider a High Deductible Healthcare Plan, or HDHP.)
  • Are there screenings or vaccinations that are now recommended for you?

Honest answer, it could take a few calls. But it’s worth the time, including any time spent on hold, to get the right answer. Call your doctor’s office or your health insurance company. They can check and confirm first-hand whether or not your doctor will still be in-network. We suggest calling again at the beginning of the year. It’s rare, but sometimes things change and doctors change which healthcare insurance they accept at the last minute. Even easier: clients of Included Health who have our Open Enrollment Support service can use the app to quickly check if their doctors will remain in-network.

Healthcare spending accounts  are a great way to save money on medical expenses. There are three types, explained below. In two of them, you choose a set amount to deduct from your paycheck every month, pre-tax. The third is a fund that your employer puts money into on your behalf. 

In all three, the money in these accounts is not taxed, which means that if you pay for expenses using these accounts, you save around 30%.You can use this money to pay for copays, deductibles, and other medical expenses. You can also use it for vision expenses, sunscreen, bandaids, pain relievers and more. Many online-retailers have special HSA and FSA ‘stores’.

Here are the three types, with some of their pluses and minuses:

  • Health Savings Plan (HSA): A savings account that you own. 

You decide how much to put into the plan every month, and that money goes into the savings account, tax-free. You can deduct these HSA contributions on your taxes. Employers can also contribute to your HSA. Rules for what you can spend it on can be complicated and they are only available if you have a high deductible health plan (HDHP). The money rolls over from year to year and if you leave, you keep the account.

  • Flexible Spending Account (FSA): A savings plan owned by your employer. 

An FSA is like an HSA: you decide how much to put into the account, the money goes in tax free, and your employer can also contribute to the FSA. But you cannot deduct this money from your taxes. On the plus side, the account can be used for many types of health insurance plans, not just a high deductible account that an HSA. If there’s unused money at the end of the year, you can: 1) Get 2.5 more months to spend the left over money, or 2) Carry over up to $615 to spend the following year. 

  • Health Reimbursement Account (HRA): An account funded by your  employer, on your behalf.

With this one, money is not deducted from your paycheck. Your employer chooses which medical expenses the money can be used for and reimburses you with tax-free dollars for those expenses. Unused amounts can be rolled over to use the next year. You lose any money in the account if you leave the company.

Your employer sets the time allowed to make changes. Then it’s pencils down. After the window they have provided ends you’re going to need a Qualifying Life Event (like loss/gain of coverage, marriage, or new baby) to make any changes.

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LGBTQ+ Health

Say hello to safe, supportive, LGBTQ+ care.

Our queer and trans-led team knows first-hand the challenges and barriers the LGBTQ+ community faces. That's why we help you, your loved ones and other members of the LGBTQ+ community access affirming, high-quality care.

Uniquely You: Preventative care made simple.

Many LGBTQ+ adults avoid medical care due to discrimination. You deserve options that honor who you are. Discover the importance of sexual health preventative care and how to address your needs without fear.


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Get care, anywhere.

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It's easy. To get started, download the app.

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

Need help making sense of healthcare jargon?

What is an HSA? Premium? Deductible? Learn about essential healthcare terms and discover how Included Health can help.

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Curious about a second opinion?

Learn how easy it is to get an expert second opinion with Included Health. Your care team does the hard work for you, so you can focus on feeling better.

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Navigate health care easily

How Included Health helps

Navigating healthcare easily with Included Health. Watch our video to learn more.

Enroll in the Connected Care Program

Whether it's for a pregnancy, acute pain, chronic conditions such as diabetes, high blood pressure, asthma, or more. This program offers access to a team of doctors to design a care plan that's right for your needs.

Call 1-855-429-7357 and ask if you are eligible for the connected care program.

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Over 200 on-call clinicians

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

Common questions about our health benefit

Included Health is a health benefit made available to you through your employer. 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 your medical conditions, and more.

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’d like quick answers to medical questions. We can provide you with over-the-phone guidance and support from a Included Health doctor.
  • We’ll help you understand all of the details of your health plan.
  • You have questions about billing. We’ll help you understand medical costs and whether the price you’re being quoted is fair.
  • 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’re not sure which of your benefits you should use. We’ll help you explore the different health benefits available to you and when to use them.
  • You need to book a virtual visit with a doctor. We’re available 24/7 for urgent care virtual visits. 
  • You want to connect virtually with a behavioral health specialist. Visit with one of our high-quality providers over video. 
  • You’d like additional, personalized support for your health and wellness goals. Access real-time texting with one of our Coaches for help managing anything from stress and anxiety to major life changes.
  • You or a covered dependent would like to find trusted, LGBTQ+ affirming doctors near you.

Included Health is available at no cost to you and your dependents who are on your employer-provided medical plan. Your employer provides this service so that you have access to the best medical care possible. Some of the services above are only available to Anthem plan members and their enrolled family members. Please contact Included Health with any questions around which services are available to you and your family. 

Plan guidelines will apply for virtual care visits and any in-person visits or 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.

All Included Health services can be easily accessed by calling our Care Team, or accessing your account at
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.
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.

Typically, you’ll only pay your regular copay and office visit fees for seeing an in-network doctor. For further details, reach out to the Included Health Care Team.

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…”
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.
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.
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.

Yes, your plan allows you to access Doctor On Demand by Included Health 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.