ClearCost MD Tackles the Rising Cost of HealthCare with Access to Affordable Virtual Healthcare!

For millions of Americans, a simple decision has become a source of quiet dread: should they see a doctor, or should they wait and hope the problem passes? Rising premiums, steep deductibles, and unpredictable out-of-pocket costs have turned routine care into a financial gamble. Andre Fells, Founder of ClearCost MD watched this pattern repeat for years, from both sides of the healthcare system. Eventually, he decided to do something about it.

A Healthcare Affordability Crisis Hiding in Plain Sight

The numbers tell a difficult story. Healthcare costs in the United States continue to climb, and the burden falls hardest on people who fall through the cracks of traditional coverage. Uninsured individuals, underinsured families, and workers with high-deductible plans often delay care because the price of a single visit feels out of reach.

The problem is not limited to those without insurance. Even people who carry coverage frequently avoid the doctor because their deductible must be met before benefits begin. Copays add up. Specialists visits stretch budgets. For many households, the math simply does not work.

Self-employed professionals, freelancers, and 1099 contractors face an especially steep climb. Without an employer subsidizing premiums, they shoulder the full weight of coverage costs. Small businesses feel the same pressure, struggling to offer meaningful health benefits while managing tight margins. The result is a growing population of people who are technically part of the healthcare system yet functionally priced out of using it.

Why Andre Fells Built a Different Model

Andre Fells did not arrive at this problem by accident. He spent more than 14 years across 16 states inside the healthcare industry, holding leadership roles that included Chief Growth Officer, National Sales Manager, and Regional Director of Sales and Business Development. His work spans across value-based primary care providers, behavioral health, substance use treatment, community health, and healthcare consulting.

For roughly seven years, he worked with Dedicated Senior Medical Center and JenCare under the ChenMed umbrella. During his most recent tenure there as Regional Director of Growth & Business Development (NC,SC,GA), he helped drive $13 million in new-market revenue in 2024, supported expansion across multiple states, and grew patient populations from launch to more than 7,000 in under three years.

He also understands the insurance side deeply. A licensed Life and Health Insurance Advisor since 2014, Andre spent years advising clients under Fortune 500 companies and as an independent agent, working closely with Medicare, Medicaid, and the Health Insurance Marketplace. That dual vantage point, provider and insurer, gave him a rare and complete view of the system.

"Having worked on both the healthcare provider side and the health insurance side, I have seen firsthand how rising healthcare costs impact individuals, families, and businesses," Andre explains. That perspective, which he describes as the best of both worlds, became the driving force behind ClearCost MD. He earned his Bachelor of Arts in Business Management from Belmont Abbey College, where he also played basketball as a scholarship athlete.

How ClearCost MD Works

ClearCost MD is a direct-to-doctor virtual healthcare membership. The model is straightforward: one affordable monthly fee gives members access to care without making insurance the gatekeeper. No insurance is required to enroll, which opens the door for uninsured individuals, self-employed workers, families, people with high-deductible plans, and small businesses looking for affordable healthcare options for their team.

Members can connect with licensed healthcare professionals 24 hours a day, 7 days a week, 365 days a year, from a phone, tablet, or computer. The network includes more than 500 licensed providers available nationwide, including across the United States and Puerto Rico. This around-the-clock access removes some of the most common barriers to care, such as long wait times, unnecessary travel, and high out-of-pocket costs.

The scope of services reaches well beyond basic urgent care. Members can access primary care, mental and behavioral health support, dermatology, counseling, psychology, psychiatry, crisis support, pet health, patient advocacy, and health education. A single membership can cover the member plus up to seven dependents(pets included), creating strong value for individuals and families who would otherwise pay separately for each service.

ClearCost MD also connects members with healthcare savings programs designed to lower the cost of other common needs. These include savings on prescriptions for people and pets, dental care, vision care, chiropractic services, imaging, lab work, diabetic and medical supplies, and gym memberships, and  lifestyle medications. By pairing virtual care with these savings resources, the company gives members more ways to manage everyday expenses.

It is worth noting clearly what ClearCost MD is not. It is not health insurance or major medical coverage, and it does not replace comprehensive plans or cover hospitalization. Instead, it can be used on its own for routine needs or alongside existing insurance to unlock additional care and savings.

What Sets ClearCost MD Apart

Many telehealth companies charge per visit, limit their services, or tie their offerings closely to insurance. ClearCost MD takes a different approach. It combines affordability, simplicity, broad access, and family-focused value into one membership.

The difference comes down to the model itself.Rather than treating insurance as a requirement, ClearCost MD treats access and affordability as the priority. As Andre puts it, "We do not just provide virtual doctor visits. We combine nationwide healthcare access, family coverage, specialty services, and healthcare savings into one affordable membership, with no insurance required."

The company also carries a strong employer focus. Small businesses can offer ClearCost MD as an affordable healthcare benefit for employees without relying exclusively on traditional insurance. For owners who want to support their teams while managing costs, that flexibility matters.

Because the model was built by someone who understands both the cost pressures providers face and the coverage gaps insurance leaves behind, it is intentionally designed around real problems. The mission is centered on a simple belief: getting routine healthcare should not begin with worrying about whether someone has insurance or whether they can afford to use it.

ClearCost MD Recognized for Affordable Telehealth Access

ClearCost MD’s commitment to making healthcare more affordable and accessible has also earned recognition from BestofBestReview.com, which named the company Best Affordable Telehealth Membership for Uninsured, Self-Employed, and Small Businesses in the US of 2026. The recognition highlights ClearCost MD’s direct-to-doctor membership model and its focus on providing convenient virtual healthcare without requiring insurance, particularly for individuals, families, self-employed professionals, and small businesses seeking practical alternatives to traditional healthcare costs. The award further underscores the company’s mission to make quality healthcare access simpler, more affordable, and available to more people nationwide.

A Model Built for the Way People Live Now

As healthcare costs continue to rise, models like ClearCost MD may become increasingly important. People want practical options that fit modern life, whether they are at home, at work, traveling, or simply looking for an affordable alternative. ClearCost MD is designed to meet them there, with better access to care, lower costs, and more control over everyday health decisions.

For anyone who has ever hesitated to see a doctor because of cost, ClearCost MD offers a different path. For a single monthly membership, a member and up to seven dependents (pets included) can reach licensed providers any hour of any day, plus tap into savings on prescriptions, dental, vision, and more. Affordable, accessible healthcare is finally within reach. Connect with ClearCost MD, Instagram, and LinkedIn.

Fells also Created Company, ClearCost Meds for Affordable Lifestyle Medications.

With lifestyle medications such as GLP-1s and Hair Growth becoming increasingly popular, Fells also created ClearCost Meds. ClearCost Meds focuses on areas such as weight loss & management, hair growth, and other men’s and women’s health products, giving consumers another way to access select medications while helping reduce out-of-pocket costs. ClearCost Meds is built around convenience, transparency, and making lifestyle-focused treatment options affordable and easier to access. ClearCost Meds products are available at ClearCost Meds