No. The coverage is considered a benefit to the membership. Consider it similar to an automobile club where they would have so many roadside assistant calls per membership time frame. In this case, you would have so many coverage claims available to professionals within the membership per year.
If you use them, fantastic. If you don't use them, you must be extremely healthy but they are there if something happens or you need them.
This system is designed to fill in the gaps for where insurance leaves off. Most people do not use all their insurance for fear that their premiums will go up. With that said, our goal is to teach people self monitored their own wellness and therefore we are working on a rewards system for those who do not use them all. But for Those who need it, the coverage is there.