Mending Health
Plan Info, FAQs, & Instant Quotes!
By Lou Spatafore – Updated Aug 20, 2025
Reviewed by Whitney Kline – Fact checked by Wiley Long
All You Need to Know About Mending Health Plans
Mending (formerly Taro Health) offers innovative, HSA-compatible plans in Oklahoma and Maine that prioritize accessible, cost-effective care through unlimited primary care access and modern technology.
Founded in 2021, Taro Health was built on a mission to rebuild the relationship between patient and doctor. Today, as Mending, it delivers on that promise by combining Direct Primary Care (DPC) with a fully licensed, ACA-compliant insurance model.
Members benefit from free, unlimited primary care and mental health visits, predictable copays, and a wide network of trusted providers across each state. What sets Mending apart is its emphasis on proactive care, helping you stay well, not just get treated when something goes wrong.
Whether you enroll in a Bronze, Silver, or Gold plan, you’ll enjoy transparent costs, $0 copays for many services, and full access to comprehensive care from day one. Mending is also the country’s first AI-native health insurance company, leveraging intelligent tools to improve both member and provider experiences.
With Mending Health, your health plan does more than just cover care when something goes wrong; it works to keep you well from the start.
Unlimited Primary Care with Direct Access
All Mending Health plans include a Direct Primary Care (DPC) membership at no additional cost.
You’ll have unlimited access to a board-certified physician who knows you and your history. Appointments typically last 30 to 45 minutes, and you can reach us by phone, video, or text.
Access to Specialists, Imaging, and Hospital Care
When you need care beyond primary or mental health, you’ll have access to a trusted network of providers.
That includes specialists, urgent care, surgical services, and major hospitals. Many services are available with low or capped copays. Maternity care is also fully covered.
Mental Health Visits with No Copay
Mental health support is included. Whether you’re scheduling a video session or an in-person appointment, therapy is fully covered with no copay. You can use this benefit as often as needed.
$0 Labs and Generic Medications
Common lab work and Tier 1 generic drugs are covered at no cost.
These are the types of services people use most often, and Mending Health has made them easy to access without extra fees.
Coverage That Starts Right Away
You won’t need to meet your deductible before using the benefits you need most.
From the day your plan begins, you’ll have full access to primary care, mental health, routine labs, and generic prescriptions at no cost.
Simple, Flat Copays Instead of Surprise Bills
Rather than dealing with percentages and unpredictable costs, Mending Health uses clear, flat-rate copays for most services.
If you need to see a specialist or get a lab test or scan, you’ll know the cost before the visit.
Streamlined Experience with an AI-Driven Platform
Mending Health is the first AI-native insurance company, meaning fewer delays, faster claims, and a digital-first experience that removes unnecessary steps.
ACA-Compliant and HSA-Compatible
All Mending Health plans meet ACA requirements and are available on and off the exchange.
If you choose a high-deductible plan like Bronze, you’ll also be eligible to pair it with a Health Savings Account (HSA) for added tax advantages.
Mending Health Membership Options
Mending Health offers three plan levels: Bronze, Silver, and Gold, each designed to deliver full benefits upfront, with different pricing and cost-sharing options tailored to your needs.
Mending Bronze
This is the most affordable plan in the lineup, offering free and easy access to Direct Primary Care and essential health services.
It’s built to handle 80–90% of everyday care needs, while still covering you in the event of a major illness or emergency.
Bronze includes:
- $0 unlimited primary care and mental health visits
- Access to DPC with same-day or next-day appointments
- Flat copays for specialists and imaging
- Transparent pricing and capped out-of-pocket costs
It’s a smart option for individuals or families looking to stay proactive with their health while keeping monthly premiums low.
Mending Silver
With lower copays for key services and more robust cost-sharing, the Silver plan is a strong middle-ground choice.
You get the same $0 DPC access and mental health coverage, plus a more manageable path toward meeting your deductible.
Silver includes:
- $0 primary care and mental health
- Lower copays on prescriptions and specialist visits
- 50% coverage for hospital and emergency care once the deductible is met
- 100% coverage after reaching your out-of-pocket max
Silver works well for those who want a balance between premium cost and more frequent healthcare use.
Mending Gold
This is the most comprehensive plan available through Mending, and the only one with a $0 deductible.
If you want richer benefits, minimal upfront costs, and peace of mind for higher medical needs, this plan delivers.
Gold includes:
- $0 unlimited primary care and mental health
- Low specialist copays starting at $35
- Full coverage begins immediately- no deductible to meet
- Designed for individuals or families who prefer more predictable expenses
It’s an ideal fit if you expect to use your insurance often or simply want the best value in terms of coverage and ease of use.
How To Enroll With Mending Health
If you’re ready to sign up for Mending Health, getting started is easy and doesn’t take long.
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- Select your State, then click “Instant Quote” to get started.
- Enter your personal information into the quote form then continue.
- Find the plan you want and click “Add to Cart”.
- Then finally, enter your payment information at check out and complete the application process.
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You can also give us a call at 800-913-0172, or schedule a free phone consultation and we’ll help you get signed up with Mending.
Mending Health Plan Features
| Plan Feature |
Bronze |
Silver |
Gold |
|---|---|---|---|
| HSA Eligible | Yes | Yes | No |
| Individual Deductible | $4,150 | $1,900 | $0 |
| Max Out-of-Pocket (Individual) | $9,200 | $9,200 | $7,800 |
| Primary Care Visits | $0 Unlimited DPC or PCP visits | $0 Unlimited DPC or PCP visits | $0 Unlimited DPC or PCP visits |
| Mental Health Visits | $0 Unlimited | $0 Unlimited | $0 Unlimited |
| Specialist Visits | Up to $150 copay | Up to $75 copay | Up to $35 copay |
| Urgent Care | $100 copay | $100 copay | $100 copay |
| Emergency Room | 50% after deductible | 50% after deductible | 50% (no deductible) |
| Hospital Care (Inpatient) | 50% after deductible | 50% after deductible | 50% (no deductible) |
| Routine Lab Work | 50% after deductible | 50% after deductible | 50% |
| Generic Prescriptions | $25 copay | $70 copay | $50 copay |
| Preferred Brand Drugs | $150 copay | Deductible + Coinsurance | Deductible + Coinsurance |
| Non-Preferred Drugs | 50% after deductible | $100 copay | $100 copay |
| Specialty Medications | 50% after deductible | 50% after deductible | $200 copay |
Mending Health Pros and Cons
Choosing a health plan means finding the right fit for your needs, budget, and how you actually use care.
Pros
- $0 Unlimited Primary Care and Mental Health: All plans include free and unlimited access to both primary care and therapy, with no copays and no deductibles to meet.
- Direct Access to Doctors Through DPC: You’re not limited to rushed visits or long wait times. Mending’s DPC model lets you build a relationship with your doctor, often with same-day or next-day appointments.
- Simple, Predictable Costs: With flat-rate copays for most services, you’ll know what to expect before you step into a clinic. No percentage-based guessing.
- Modern, Digital-First Experience: Mending’s AI-native platform makes everything from finding a doctor to filing claims faster and less frustrating.
- HSA-Compatible Plans Available: Both Bronze and Silver options are HSA-qualified, giving you a tax-friendly way to save and spend on healthcare.
- ACA-Compliant Coverage: All plans meet federal standards and are available on and off the Health Insurance Marketplace.
Cons
- Gold Plan Isn’t HSA-Compatible: If you’re looking for an HSA-qualified plan, you’ll want to skip Gold.The $0 deductible is great, but it doesn’t meet HSA criteria.
- Coinsurance Applies for Major Services: After the deductible, you’ll pay a percentage for things like hospital stays or advanced imaging. This is pretty typical, but worth budgeting for.
- Not Available in All States: Mending is currently only offered in Oklahoma and Maine. If you move out of state, you’ll need to switch carriers.
DPC Model May Be New to Some: Direct Primary Care is a different experience, one many love, but it may take time to understand how it fits into your routine.
Frequently Asked Questions About Mending Health
Q: Is Taro Health the same as Mending Health?
A:Yes. Taro Health recently rebranded as Mending, but the mission and plans haven’t changed. If you see either name, you’re in the right place.
Q: What is Direct Primary Care, and do I have to use it?
A: Direct Primary Care (DPC) gives you unlimited access to a personal doctor, with no copay. You can see them in person or virtually, and even text or call when something comes up. It’s included, but you’re not required to use it. You can still choose a regular primary care provider if you prefer.
Q: Can I keep my doctor?
A: That depends on whether your provider is in-network. Mending has a wide network across Oklahoma and Maine, and you can check the directory at app.mending.com/network to be sure.
Q: What do I pay if I go to the ER or need surgery?
A: It depends on your plan. Most major services like hospital care, ER visits, and surgeries are subject to 50% coinsurance after your deductible. Gold plan members pay that same amount, but with no deductible to meet first.
Q: Is this real insurance or just some kind of membership?
A: It’s real health insurance. Mending Health offers ACA-compliant plans available on and off the Marketplace. You get full coverage for essential services, plus extra perks like unlimited primary care.
Q: Do Mending Health plans work with an HSA?
A: Yes, Bronze and Silver plans from Mending are HSA-compatible. If you’re enrolled in one of those, you can open a Health Savings Account and get the tax benefits.
Q: Are mental health visits really unlimited and free?
A: Yes. Therapy and other outpatient mental health care are covered at no cost on all plans. You can schedule as often as you need; there are no visit limits.
Q: Do I need a referral to see a specialist?
A: No referral is needed. You can go directly to any in-network specialist. Flat copays apply depending on your plan level.
Q: Can I get coverage outside of Oklahoma or Maine?
A: Mending Health is only available in Oklahoma and Maine for now. If you move out of state, you’d need to choose a new plan. That said, emergency care is always covered, even when you’re traveling.
We’ve helped over 16 thousand people find health insurance or a health sharing plan.
Each customer gets the same amazing service.
Lou (Personal Benefits Manager) made me feel comfortable with the new concept of Health Sharing by being himself, honest, and sharing his own experiences.
Neil DeFrancisco
Mike Montes (Personal Benefits Manager) was a great help! He helped me to find affordable health insurance, registered me in the system, and set up automatic payments for me. He also later helped me to find a primary care provider in my area. I was really pleased with his services!
Svetlana Nakrokhina
Misty Berryman (Personal Benefits Manager) was fantastic to work with! I explained our situation/needs to her and she went through a number of options very thoroughly. We (Misty and I) worked through each of our options and determined the best path forward for my family. She is the best and any time we are in need for insurance, she will be our first call!
Travis Lawler
The process of how everything went through the process and with Leslie (Personal Benefits Manager) was great! Things went smoothly and promptly, and all the information I needed was construed concisely.
Ted Chiero
Whitney Kline (Personal Benefits Manager) was amazing and went far above my expectations in customer service. She answered every question and so far everything has been just like she said it would be!!! thank you
Wendy Skeesick
We’re Here to Help!
HSA for America can offer you free and professional advice so you can make the best choice possible regarding your health care plan. Your Personal Benefits Manager is available to answer any questions about Mending Health Plans, ultimately maximizing the amount of money you can save annually while truly understanding the type of health care you will receive.
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Contact Information:
1001-A E. Harmony Rd #519 Fort Collins, CO 80525
800-913-0172
info@HSAforAmerica.com
Disclaimer: All information on this website is relayed to the best of the Company's ability, but does not guarantee accuracy. Information may be out of date. The content provided on this site is intended for informational purposes only and does not guarantee price or coverage. This site is not intended as, and does not constitute, accounting, legal, tax, and/or other professional advice. Determination of the actual price is subject to the Carriers.