We believe

Healthcare is only useful when people can actually access it.

FUL makes healthcare easier to get, afford and navigate—giving individuals and families somewhere to turn when healthcare happens, and employers an affordable way to provide it.

Father and teenage daughter laughing together at a sunlit kitchen table over breakfast

Too many people are still figuring out healthcare on their own.

Finding a doctor. Deciding whether they can afford the prescription. Opening a hospital bill they don't understand. Trying to figure out whether they or their child qualify for public coverage.

These aren't unusual healthcare problems. They're everyday ones.

And for millions of people who are uninsured, underinsured or paying significant healthcare costs out of pocket, getting the right help can still be too expensive, too confusing or too difficult.

We thought there should be a better place to start.

Why FUL

Start with a physician. Then get help with what comes next.

After decades practicing medicine, FUL founder Dr. Bernie Saks understood something important:

People shouldn't have to figure out healthcare before they can get healthcare.

Start with a physician who can help determine what someone actually needs.

Then, when the next problem is cost or complexity, connect them with the right help—whether that's finding a lower prescription price, navigating a hospital bill, understanding Medicaid or CHIP eligibility, or figuring out the next healthcare decision.

The technology existed. The expertise existed. The pieces existed.

FUL brought them together around the person who needs help.

Today, FUL gives individuals and families one place to turn when healthcare happens—and gives employers a practical way to put that help into the hands of more of their people.

Dr. Bernie Saks Founder & CEO

Independent validation

Don't just take our word for it.

FUL has earned independent validation from the Validation Institute, providing outside review of important elements of our model and performance.

Healthcare shouldn't be something people have to figure out alone.

FUL gives people somewhere to turn—from the first question to the next decision.

Consider FUL →