Overdue started with an observation, not an invention. Millions of people carry high-deductible health plans. They pay the premium every month, on time, the way you’re supposed to — and then they avoid the doctor, because below the deductible every visit is an open tab with no total on it. The plan does exactly what it promises: it protects them from disaster. It also, quietly, prices them out of prevention.
Insurance minds the worst day. Nobody was minding every other one.
We’re not trying to reinvent medicine. Independent licensed physicians are already good at medicine, and every clinical decision stays theirs — your diagnosis, your treatment, your records, your care. What’s broken is everything around the medicine: the opaque bills, the claim codes, the “we’ll find out what it costs later.” So that’s the part Overdue runs. One flat membership. An itemized receipt that separates your practice’s portion from ours. A dashboard that turns your labs into a direction instead of a verdict. And one promise holding it together: No additional charge at your included visits — the door is already paid for through your membership.
Our ambition is honest, so here it is in plain terms. Some members will find something that deserves attention. That’s the point of looking. When it happens, they can move into deeper care with their physician’s practice — same doctor, same records, their choice, never a requirement. Everyone else gets something almost nobody with a high-deductible plan has today: the quiet confidence of knowing where they stand, twice a year, without once negotiating with themselves about money.
The second panel is when it gets good.
We’re starting small — the Chicago area, fifty founding members — because we’d rather do one region well than everywhere badly. No discount theater, no growth hacks, no timers counting down to nothing. Just a membership built to be renewed on its merits: by your second panel, your numbers stop being a snapshot and start being a story. You’re not behind. You’re just overdue.