I mean pay-per-month fixed rate basic services + cheaper disaster coverage could end up overall cheaper for a lot of people. I have a medical condition that requires me to see my primary and get my bloodwork pretty often so this might work out in my favor honestly.

Edit: Looking at the actual site this seems pretty sketch. I would never sign up for something so uhh.. basic. If I can't see my own doctor or therapist then what's even the point?