Benefit Summary

24/7 Telemedicine

Effective January 1, 2026, use CirrusMD to connect with a doctor to discuss everything from urgent needs to chronic conditions. With CirrusMD, a trusted doctor is available 24/7 for advice, treatment and more.

Using the nationwide telemedicine service and MeMD’s national network of US-licensed, board-certified medical providers, you can connect with a provider online from any location, and receive a diagnosis and personalized treatment plan, including prescriptions* for common medications, when medically necessary.

While telemedicine can help when you need medical attention, when your regular doctor is not available, on holidays and weekends or when travel is difficult, it does not replace seeing a doctor in-person for your annual office visit, ongoing treatment, and care.

MeMD provides online medical consultations with physicians, nurse practitioners, and physician assistants who can write prescriptions when medically necessary and permitted by state law. MeMD is not an online pharmacy, and medications cannot be purchased or dispensed from MeMD directly. MeMD is not a replacement for your primary care physician or an annual doctor’s office visit. MeMD is available 24/7 nationwide, subject to state regulations.

*When medically necessary, MeMD providers can submit a prescription electronically for purchase and pick-up at your local participating pharmacy; however, MeMD providers cannot prescribe elective medications, narcotic pain relievers, or controlled substances. MeMD’s providers are each licensed by the appropriate licensing board for the state in which they are providing services and all have prescriptive authority for each of the states in which they are licensed.

Telemedicine is not available in WA. This is NOT insurance.

Patient Advocacy

A valuable feature of your membership is access to the services of a Patient Advocate.

If you need access to a hospital or ancillary facility or assistance in dealing with other medical providers, the Patient Advocacy service can assist you. Patient Advocates can also help you in negotiating lower prices on medical bills and provide a number of other value-added services. When you call for assistance, you will be assigned a personal Patient Advocate who will take responsibility for helping you.

TO MAKE THE MOST OF THIS SERVICE, PLEASE CALL THIS NUMBER BEFORE ACCESSING ANY HOSPITAL OR OTHER FACILITY, EXCEPT IN THE CASE OF AN EMERGENCY. MEMBERS RECEIVING EMERGENCY SERVICES SHOULD NOTIFY MEMBER SERVICES WITHIN FORTY-EIGHT (48) HOURS OF BEING DISCHARGED IN ORDER TO BENEFIT FROM DISCOUNT NEGOTIATION SERVICES.

Patient Advocacy offers you an array of value-added services, by providing assistance with:

  • Negotiating lower prices or payment schedules on hospital, doctor and other medical bills, helping you save time and money;
  • Finding hard to reach specialists, critical illness providers and medical institutions, and coordination of medical record transfers;
  • Solving billing and related administrative issues; and
  • Accessing community resources.

Patient Advocates do the legwork. We make the phone calls and assist in making arrangements. Simply put, we help to make sure that you get the most from your membership.

This is NOT Health insurance.

*Members are responsible for payment of specific services arranged on a fee-for-service basis that are not covered by an insurance plan. We review the payment options available to you in advance of making arrangements with providers on your behalf. Patient Advocacy does not recommend treatment, nor is it a replacement for any health insurance plan. We do not guarantee that we can achieve specific savings or results.

Online Wellness Website

Health Services Hub is about promoting personal health and fitness through the natural therapies of diet, nutritional supplements, the benefits of exercise, as well as having a healthy attitude to help improve your total quality of life. Your membership offers a comprehensive resource that aims to help members achieve personal health and wellness goals regardless of age, gender or level of fitness. This benefit provides you with the tools to make wellness part of your daily life.

Members will receive access to:

  • Daily wellness articles
  • Individual home fitness programs
  • Assessment calculators
  • Disease prevention studies
  • Health tips
  • Guidance on nutrition, weight loss and exercise The Health Services Hub site is quick, simple and easy to navigate!

Features include:

  • Personalized workout programs for all ages and fitness levels
  • Unbiased health information from a professional staff
  • Daily health tips on nutrition, weight loss, exercise and disease prevention
  • Over 4,500 current health and wellness related articles
  • Health calculators for easy tracking and self-assessments
  • Additional resources pulled together for your benefit.

24/7 Telemedicine

Getting the care you need should always be simple.

Now getting care is as easy as chatting with a friend. A trusted doctor is ready to help.

How do I get started?

Connect in seconds from your smartphone or computer – just download the CirrusMD app.

First time users, click here OR download the CirrusMD App to register for your Primary Virtual Care account with CirrusMD. You will need to enter the same email address that you used to register for this member portal. (If you don’t remember which email you used, you can find it in Your Profile)

Already registered with CirrusMD?

Once you have registered, you’re all set! You can easily log in from the CirrusMD App or go to the website.


Use Your Virtual Primary Care

Download the CirrusMD app today
Download the CirrusMD app today



What is CirrusMD? CirrusMD Logo

CirrusMD is a virtual care program that lets you begin chatting with a doctor in less than 60 seconds, anywhere in the US, at any time.  While we’re chat-first, you can send photos or switch to video whenever you need to.

CirrusMD offers a hassle-free alternative to conventional doctor appointments. Say goodbye to waiting for appointments, taking time off work, or paying for an in person visit. With CirrusMD, you enjoy immediate access to care. Connect with a qualified, licensed doctor in under a minute—no chatbots ever. Plus, you can receive prescriptions and refills if necessary.*

With this benefit, you can:

Calendar icon Access care 24 hours a day, 7 days a week
Heart icon Get help with chronic conditions like asthma, diabetes, or high blood pressure
Chat icon Ask questions about general health concerns, urgent care, even mental health
Pharmacy icon Fill prescriptions*
Doctor female icon Talk to a doctor about anything, from anywhere

WHEN SHOULD I USE CIRRUSMD?

  • Feeling sick, have a minor injury, symptoms have changed, but it’s not an emergency
  • Need help managing a chronic condition
  • Have general questions about your health or mental well-being
  • Want to refill a prescription*
  • Not sure where to go for care

*Controlled substances, non-therapeutic and certain other medications may not be available. There may be costs associated with any labs or prescriptions.



EXAMPLES OF CONDITIONS TO CHAT ABOUT:

  • Coughs, fevers, sore throats
  • Managing chronic conditions like diabetes, asthma and hypertension
  • Men’s and women’s health concerns
  • Stomach pain, diarrhea
  • Rashes, allergic reactions
  • Back/abdominal pain
  • Urinary tract infections
  • Weight loss and weight management
  • Preventive care screenings
  • Mental well-being
  • Prescriptions

Use Your Virtual Primary Care


VERY IMPORTANT: IN LIFE THREATENING EMERGENCIES, CALL 911 or go directly to the nearest hospital emergency room for treatment. If 911 services are not available in your area, call the local police/fire department or go directly to the nearest hospital or emergency room.


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