Frequently Asked Questions

What is Onfire Health and how does it work?

Onfire Health is a service that provides you with a fund to pay for longevity and health related expenses. It operates as a membership that allows you to cover the costs of treatments, tests, and products you would typically pay for out-of-pocket. You pay a low annual membership fee and get access to a fund you can use to pay for these services, with the advantage of financing large expenses interest-free over up to 12 months.

What kind of expenses can I pay for with Onfire Health?

You can pay for a wide range of wellness and longevity expenses that traditional insurance typically doesn't cover. This includes lab tests and advanced diagnostics (Function Health, InsideTracker, Full Body MRIs), wearables (Oura rings, Whoop bands, Apple watch, continuous glucose monitors), treatments (hyperbaric chamber therapy, functional medicine, stem cell treatments, red light therapy), alternative medicine (acupuncture, traditional Chinese medicine, integrative medicine), therapies and wellness (supplements, gym memberships, infrared saunas, meditation apps), and consultations with specialists.

Is Onfire Health insurance or a regulated financial product?

No. Onfire Health is not an insurance company, a lender, a money transmitter, or a "buy now, pay later" (BNPL) company. It is structured as a membership-based savings, so it's your money, which allows it to avoid the regulatory complexities of traditional financial firms.

How are payments for services made?

When you sign up for an Onfire membership, you authorize us to collect your monthly savings amount from your bank or card. If you have a pre-funded plan, simply provide your phone number at checkout to authorize Onfire to use your savings at certified partner clinics to pay for your Onfire Care Bundles.

What are the available membership levels?

There are three main levels, each with a standard and a "plus" option: Spark for annual spending of $3,000 or $6,000, Ignite for annual spending of $9,000 or $18,000 (this is the most popular tier), and Bonfire for annual spending of $30,000 or $60,000.

How does the membership payment work? Do I have to pay for everything upfront?

You have options. You can fund the full amount of your annual plan upfront, or spread payments monthly. Most users prefer the monthly payment option, which allows them to spread the cost over the year while still having access to the full fund from day one.

What are the financial benefits of using Onfire?

The main benefit is affordability and the optimization of your spending. Onfire allows you to finance large expenses (like a $20,000 longevity treatment) in interest-free monthly payments, save money through discounts with in-network providers, and maximize your HSA/FSA benefits if you live in the US, which can result in savings of over 30% as these are pre-tax expenses.

How does Onfire integrate with my health insurance or Health Savings Account (HSA/FSA) in the US?

If you have a health plan, HSA, or FSA in the United States, Onfire can help you maximize those benefits. If an expense is eligible for reimbursement, Onfire will manage the process to recover that money from your insurance or savings account. The reimbursed amount is then deposited back into your Onfire fund, giving you more money to spend on your well-being.

What happens if I don't spend all the money in my account within a year?

The unspent money is yours. You can roll it over to the next year, use it to pay for the following year's membership, or, if you decide to cancel your membership, you can redeem it and get it back.

Can I use my membership for my family's expenses?

Yes, the higher membership tiers (Ignite and Bonfire) allow you to add dependents, such as your spouse or children. Each can have their own card and use the shared fund for their own wellness expenses.

What if the provider I want to use is not in the Onfire network?

You can still pay for their services using your Onfire card. The advantage of using in-network providers is that you receive discounts. When you pay an out-of-network provider, you also help us identify potential new partners to add to our network.

What is the Concierge service?

It's a service designed to help you navigate the complex world of longevity care. If you're unsure about which test to get, what treatment to pursue, or which clinic is best for you, our concierge team will guide you, offer options, and explain how they are covered by your Onfire membership.

How do patients pay?

Onfire members plan their annual spending, then fund their Onfire savings plan throughout the year. Onfire uses these funds to pay their clinicians and service providers as they use those services.

How do clinics get paid?

Clinics invoice Onfire directly — we handle payment processing and pay you via ACH.

How does Onfire benefit providers and their patients?

Onfire brings providers new patients and we simplify their payment processes. In return, providers offer discounts and extended payment terms (whose costs are more than offset by the increases in revenue). Patients and Onfire share those discounts.

Can I create plans and pricing bundles only available to Onfire Members?

Yes, please do!

How does Onfire make money?

Member savings premiums are their money, always. They can draw back or rollover any unused portions. We make money off of the annual membership fee, interchange fees, and a portion of vendor discounts.

What additional features will Onfire offer?

Our future roadmap includes integration to employer benefits programs and access to exclusive life and health insurance plans — customized and negotiated based on member health data.

How much does membership cost?

Membership costs vary by tier: Spark ($3K–$6K annual spending, $199/year fee), Ignite ($9K–$18K annual spending, $499/year fee), and Bonfire ($30K–$60K annual spending, $999/year fee). You can pay upfront or spread payments monthly with 20% down.

What is your refund policy?

Since your membership fund is your money, unused funds can be rolled over to the next year, applied to future membership fees, or withdrawn if you cancel your membership.

When am I charged for my membership?

Billing depends on your chosen payment method. You can either pay your full annual amount upfront or pay 20% down with monthly payments for the remainder.

What payment methods do you accept?

We accept major credit cards, debit cards, and bank transfers. For HSA/FSA eligible expenses, we can also work with those payment methods.