Care at Home
When getting to the doctor is the hardest part of getting care.
For seniors, family caregivers, and anyone who has a hard time leaving home. Affordable telehealth that meets you where you already are.
A senior who can no longer drive but still needs to see a doctor regularly.
A daughter who lives two states away from her mother, trying to coordinate her care.
A retired first responder, immunocompromised, who would rather not sit in a waiting room.
The transportation gap
Getting to the appointment can cost more than the appointment.
Original Medicare does not cover routine rides to the doctor. Ambulance services are covered only for emergencies, or in limited cases where a doctor has written an order that the transport is medically necessary. For everyday primary care, behavioral health, or specialist follow-ups, the ride is on you.
Some Medicare Advantage plans offer non-emergency transportation as a supplemental benefit, but coverage varies widely and is often limited to a fixed number of trips per year. For everyone else, the options are family, friends, paid rides, or community services that often have weeks-long waits.
Typical cost of a round-trip taxi or rideshare to a routine medical appointment in most U.S. cities. Higher for wheelchair-accessible transport.
Original Medicare does not cover non-emergency rides to doctor appointments, dialysis, physical therapy, or pharmacy trips.
Local community transport programs for seniors often have multi-week waitlists, with rides only on certain days and routes.
What Medicare really costs in 2026
Medicare is not free, and there is no cap on what you can pay.
Premium-free Part A still leaves real out-of-pocket costs every time you use the system. After your deductible, Part B pays 80 percent of approved charges and leaves you with the other 20 percent. That 20 percent has no annual maximum unless you have a supplement plan.
Part B premium
Standard 2026 monthly premium
Part B deductible
Before Medicare pays anything for outpatient care
Part B coinsurance
Your share after the deductible, with no annual maximum
Part A deductible
Per hospital benefit period in 2026
Source: Centers for Medicare and Medicaid Services, 2026 Part A and Part B Premiums and Deductibles, released November 14, 2025. Part D maximum deductible for 2026 is $615 with a $2,100 annual out-of-pocket cap on covered prescriptions. Fit For Duty Rx is not a Medicare plan or insurance product and does not bill Medicare.
What you can do from home
Care that does not require a car.
Most of what an outpatient doctor does in an office can be done by phone or video. Real conversations with a licensed provider, real prescriptions, real follow-ups. No ride, no waiting room.
Primary care visits
Routine checkups, chronic condition management, prescription refills, lab order reviews. Most everyday care your doctor handles in an office can happen on a phone or video call from your living room.
Prescriptions delivered
Medications shipped to your door from licensed pharmacies. No trip to a pharmacy counter, no waiting in line.
Behavioral health
Therapy and psychiatry by video. Often easier from home than from a waiting room, especially for first sessions.
Quick questions answered
A nurse line or message to your provider for the small things that used to mean a whole appointment.
When telehealth is not the answer. Emergencies, hands-on physical exams, in-person diagnostics, and procedures still require an in-person provider. For an emergency, call 911. For anything we cannot handle remotely, your provider will refer you to local care.
Who Care at Home is for
Built for the people the system makes hardest to reach.
Seniors
For seniors aging in place
Whether you are fully independent or have mobility challenges, you should not have to choose between getting to the doctor and getting through your day. Care reaches you wherever you live.
Family Caregivers
For family caregivers
No more taking another day off to drive a parent to a 15-minute appointment. Sit with them on the call, or just hand them the phone. Care happens together, at home.
Homebound
For homebound patients of any age
Recovering from surgery, immunocompromised, or just unable to leave home easily. Telehealth removes the trip from the equation entirely.
Make affordable telehealth a benefit of living in your community.
Independent living, assisted living, memory care, and family care organizations partner with Fit For Duty Rx to give residents access to affordable telehealth, mental health resources, and wellness programs. There is no cost to the community to set it up. Your residents get the benefit. Your organization looks like the kind of place that thinks about this stuff.
- Zero cost to the community to launch
- Residents enroll directly through a co-branded landing page
- Free mental health resources for residents and staff
- Optional wellness program access at member pricing
- We handle the rollout and resident communication
What residents get
Primary care from their room
No coordinating a ride, no leaving the community for a routine visit.
Prescriptions delivered
Medications shipped to the community or to the resident directly.
Free mental health resources
Crisis lines, peer support, and therapy directories at no cost.
Family-friendly
Adult children can sit in on a call or coordinate with their parent's provider.
Common questions
What people ask first.
Do I need Medicare to use Fit For Duty Rx from home?
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No. Our plans are direct-pay and do not require insurance. We are not a Medicare plan or supplement, and we do not bill Medicare. People on Medicare often use our plans alongside their coverage to fill gaps like fast access, prescription affordability, or care that does not require an in-person visit.
Will my Medicare cover my Fit For Duty Rx visits?
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No. We are a direct-pay membership, separate from your Medicare benefits. You pay a flat monthly fee and there are no claims to file. This is meant to complement Medicare, not replace it.
I am bed-bound or have a hard time leaving home. Can I still use telehealth?
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Yes. Phone visits work just as well as video visits, and many patients prefer them. If you have a family member or caregiver who can help with the call, even better. The whole point is that you do not have to travel.
What if I need to be seen in person?
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Telehealth is not a fit for emergencies, hands-on physical exams, lab draws, or imaging. For anything we cannot handle remotely, your provider will refer you to a local clinic, urgent care, or ER. For an emergency, always call 911.
My parent lives in a senior community. Can the community offer this to all residents?
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Yes. We work directly with senior living communities, assisted living operators, and family care groups. Residents get affordable telehealth as a member benefit, the community provides it at no cost to themselves, and our team handles the rollout. See our corporate wellness page for details.
Care that comes to you.
Browse our plans and start care from home today. No insurance hassles. No ride to coordinate.
See our plans