What Crossover Health is and who it serves

Crossover Health is a membership-based primary care provider that combines in-person visits at physical clinics with virtual care and same-day appointments. Unlike traditional concierge medicine, which typically charges annual membership fees of $1,500 to $10,000 or more, Crossover operates on a lower-cost model aimed at employers and their employees rather than wealthy individuals seeking exclusive access.

Crossover clinics are located in major metropolitan areas including California, Colorado, and Texas. The company partners with employers to offer membership to their workforce, meaning you usually cannot join as an individual — you join through your employer's benefits plan. The service is designed to reduce wait times, provide continuity of care with the same doctor, and handle routine health issues without routing you through an emergency room or urgent care center.

If your employer offers Crossover as a benefit, you will see the membership cost deducted from your paycheck or covered entirely by the employer. If your employer does not offer it, Crossover is not currently available to you as a standalone purchase.

Key Takeaways

  • Crossover Health is offered through employers, not purchased individually, and combines in-person clinic visits with virtual care and same-day appointments.
  • Membership costs vary by employer and region but are typically lower than traditional concierge medicine, often ranging from $0 to several hundred dollars per year depending on what your employer covers.
  • You choose a primary care doctor at Crossover who coordinates your care, and you can usually see them same-day or next-day for acute issues.
  • Crossover works alongside your regular health insurance — it is not a replacement for insurance and does not cover hospital stays, specialists, or emergency care.
  • Virtual visits are included in membership and can be used for follow-ups, prescription refills, and minor health concerns without an in-person appointment.

How membership costs work and what is covered

Crossover's pricing is negotiated between the company and your employer, so the cost you pay depends entirely on what your employer has chosen to offer. Some employers cover the full membership cost, meaning you pay nothing. Others charge employees a monthly or annual fee, which typically ranges from $50 to $300 per year, though this varies widely.

Your Crossover membership covers primary care visits — both in-person and virtual — at no additional cost beyond your membership fee. This includes preventive care, acute care for minor illnesses, chronic disease management, and prescription refills. You do not pay a copay or visit fee when you see your Crossover doctor.

Crossover does not replace your health insurance. If you need specialist care, hospital admission, surgery, or emergency treatment, your regular health insurance covers those services. Crossover acts as your first point of contact for routine and urgent primary care, reducing the number of times you need to use your insurance's deductible or copay structure for common health issues.

How to find and schedule appointments

If your employer offers Crossover, you will receive enrollment information during your company's benefits enrollment period or when you are hired. You select a primary care doctor from the available physicians at the Crossover clinic nearest your home or workplace. This doctor becomes your main point of contact for all your primary care needs.

Once enrolled, you can schedule appointments through Crossover's online portal or mobile app. For acute issues — a sudden fever, a rash, a minor injury — you can often get a same-day or next-day appointment rather than waiting weeks for a routine appointment slot. If you cannot come in person, you can request a virtual visit with your doctor or another Crossover provider.

Virtual visits are conducted through video call and work for follow-ups, medication refills, minor symptoms, and questions about your health. You do not need to travel to the clinic, and the visit is included in your membership with no separate charge.

What happens when you need a specialist or emergency care

Your Crossover doctor can refer you to a specialist when needed. The referral goes through your health insurance, and you will pay whatever your insurance plan requires — copay, coinsurance, or deductible. Crossover does not cover specialist visits, but your primary care doctor's coordination can help may support the specialist has your medical history and that your care is coordinated across providers.

If you have a medical emergency, go to the nearest emergency room or call 911. Crossover is not an emergency service. Your emergency room visit will be covered by your health insurance according to your plan's terms. After you recover, your Crossover doctor can help manage any follow-up care or ongoing treatment related to the emergency.

How Crossover differs from traditional concierge medicine

Traditional concierge practices charge individual patients high annual fees — often $2,000 to $10,000 or more — in exchange for same-day or next-day appointments, longer visit times, and direct phone or email access to the doctor. These practices typically serve affluent individuals and are not tied to employer benefits.

Crossover operates at a much lower cost because it is employer-sponsored and serves a larger patient population. You get many of the same conveniences — same-day appointments, continuity with one doctor, virtual care — but at a fraction of the price. The trade-off is that Crossover is only available if your employer offers it, whereas traditional concierge medicine is available to anyone who can afford the fee.

Both models sit outside the traditional primary care system where you might wait weeks for an appointment with a doctor who sees dozens of patients per day. Both aim to reduce that friction. Crossover straightforward does it through an employer partnership rather than a direct-pay membership.

Questions to ask your employer or benefits administrator

If your employer offers Crossover, ask your HR or benefits team whether the membership is fully covered or whether you pay a portion. Ask which clinics are available in your area and whether you can change doctors if your first choice does not work out. Ask whether virtual visits are truly included at no extra cost and whether there are any limits on how many visits you can have per year.

Also ask how Crossover coordinates with your health insurance and whether your Crossover doctor can send referrals directly to specialists in your insurance network. Understanding these details before you enroll will help you use the benefit effectively and avoid surprises.

Frequently Asked Questions

Can I use Crossover if I am self-employed or my employer does not offer it?

No. Crossover is only available through employer partnerships. If your employer does not offer Crossover, you cannot purchase a membership on your own. You would need to look at other primary care options in your area or consider a traditional concierge practice if you want same-day appointment availability.

Does Crossover replace my health insurance?

No. Crossover is a primary care membership that works alongside your health insurance. Your insurance still covers hospital stays, emergency care, specialists, and major medical events. Crossover handles routine and urgent primary care to reduce the number of times you need to use your insurance's deductible or copay.

What if I move to a different city or state?

Crossover clinics are in specific regions, so if you move outside a service area, you will lose access to your Crossover membership. Talk to your benefits administrator about what happens to your membership fee and whether you can switch to a different primary care option through your employer's plan.

Can my family members join Crossover with me?

That depends on your employer's plan. Some employers offer family memberships, while others limit Crossover to employees only. Ask your HR department whether spouses and children can be added and whether there is an additional cost.

Do I have to use Crossover, or can I keep my current doctor?

Crossover is optional. If your employer offers it but you prefer to stay with your current primary care doctor, you can decline the membership. You will not be penalized, and your regular health insurance remains active either way.