Arlo is the first preventative-first medical model that eliminates medical debt through an instant-pay digital settlement engine.
Deductible
Clear coverage from day one. No resets, no hidden math.
Copays
Leave your wallet at home. We pay for the care so you can focus on health.
Annual Out-Of-Pocket Max
Absolute isolation from catastrophic risk. Your household is protected.
Personal
Responsibility
The end of surprise bills. Arlo settles everything instantly with your doctor.
Arlo was built because we don't want families avoiding the doctor’s office out of fear of the balance left over from Personal Responsibility. The current insurance model is broken; it forces patients to act like accountants in their most vulnerable moments.
"We believe that the time that you spend with a medical professional should be entirely about getting better and not negotiating balance or what your insurance company will approve."
Alex M., Founder of Arlo
By re-engineering the way doctors are paid and removing the middleman's friction, we've built a model where your health is our only priority. You should only worry about getting better.
Our model of health insurance ensures you retain and attract the talent you need to run your company while making sure that they are healthier at the same time.
We work to make our monthly premiums affordable enough for families to thrive without compromising on the quality of their care.
State of Maryland
Qualified Health Plan
Active Subscriber
Copay
$0
Deduct.
$0
OOP Max
$0
Member ID
ARL-772-910-334
Arlo Member Card Blueprint v2.6
Stop worrying about the cost of a visit. With Arlo, your premium is the only payment. No copays at the front desk, no surprise bills in the mail, and zero medical debt. Focus on your family, not your finances.
Your family deserves world-class healthcare. We ensure your doctor is paid at the point of care, letting them focus on what matters: making sure we are healthier together.
We are quickly expanding our network to include Maryland's best independent physicians. However, if you have a doctor that is not currently in network, let us know.
We will still make sure that they are paid for your care, and we will also approach them with an offer that they do not want to decline to be a part of our permanent network.