Join the
90 Nation.

90% of heart attacks are preventable — that's the population statistic we named our membership after. One plan, everything included: annual labs, Corwin AI, and a care team that treats you like family.

HSA/FSA cards accepted Physician-Reviewed Labs & Imaging Quest Diagnostics
Why one membership?

Because family doesn't come with tiers. We're Ben & Betsy — a husband-and-wife team — and we don't mark up the labs: your annual comprehensive panel is included at our cost. Membership pays for the care around it — Corwin AI, personalized protocols, and your care team.

The 90 Nation

90% of heart attacks are preventable.

That's the population statistic our whole membership is built around. One plan, one family, one number worth fighting for.

Pay Monthly
$90/month*
12-month membership, paid monthly · renews annually.
$90/mo
per month
Full refund within 7 days of your first payment. HSA/FSA cards accepted
Be first in the 90 Nation — join our waiting list

Membership opens soon — waiting-list members are welcomed first.

*NY & NJ: +$371/yr state lab fee — passed through at our exact cost. Your state's lab regulations cost more to serve; we don't mark that up.

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A multigenerational group of 90 Nation members winding down together in a park after a community walk at golden hour
The 90 Nation

Join our 90 Nation

90% of heart attacks are preventable.

Be first — join our waiting list
The 90 Nation Membership

Everything your membership includes.

One plan, one family — annual labs at our cost and a full year of care around them. Here's everything that comes with it.

  • Annual comprehensive lab panel

    99+ biomarkers, included at our cost, drawn at Quest Diagnostics and physician-reviewed.

  • Corwin AI health companion

    Unlimited text and voice conversations that remember your story — plus the AI Health Insights Panel, six AI perspectives on every result.

  • Personalized protocols

    Educational lifestyle guidance built from your labs, reviewed with your care team.

  • Heart Health Score tracking

    Watch your 0–100 score move as your habits do.

  • SMS coaching

    Nudges, check-ins, biomarker trend updates, and answers right in your texts.

  • CCTA concierge access

    Members-only add-on: physician-ordered, physician-reviewed cardiac imaging, fully coordinated for $315.

  • Your care team

    Physician-reviewed labs and imaging, with real people behind every plan.

  • Community, live streams & rewards

    Member community, live sessions, and Billion Bucks rewards for healthy habits.

What's in your annual panel 99+ biomarkers · 37 advanced lab tests · included at our cost
Lipids & Particles

Lipid Panel · LDL Particle Fractionation · ApoB · ApoA1 · Lp(a) · Oxidized LDL · Omega 3/6 Panel

Metabolic Health

HbA1c · Fasting Insulin · Uric Acid · Comprehensive Metabolic Panel (glucose, electrolytes & more)

Inflammation & Immunity

hs-CRP · ESR · Myeloperoxidase (MPO) · Lp-PLA2 · Homocysteine · ANA · Rheumatoid Factor

Hormones & Thyroid

TSH · Free T4 · Free T3 · Thyroid Antibodies · Testosterone (Total & Free) · Estradiol · Progesterone · DHEA-S · SHBG · Cortisol AM

Organ Function

Kidney & liver markers (eGFR, creatinine, ALT, AST via CMP) · GGT · Amylase · Lipase

Blood & Nutrients

CBC with Differential · Iron · Ferritin · Vitamin D · Vitamin B12 · Folate · RBC Magnesium · CoQ10

Composite panels (like the CMP and CBC) expand into 99+ individual biomarkers. Drawn at Quest Diagnostics locations nationwide, physician-reviewed, and included in membership at our cost.

Explore every test
Radical transparency: we don't mark up the labs — your annual panel is included at our cost. Membership pays for the care around it: your care team, Corwin, and a family that's there whenever you need us.
Want to see inside your arteries? The CCTA concierge is our flagship add-on, available exclusively to 90 Nation members — one more thing membership unlocks. Your $315 concierge fee includes:
  • Physician consult + CCTA order through our 3BB Physician Network
  • Insurance coordination and advocacy
  • "Find Your CTA" — compare cash-pay pricing near you
  • AI agent calls facilities to book your appointment
  • Corwin texts you real-time status updates
Radical transparency: a specialist consult alone can often run over $1,000 — the one thing the fee doesn't cover is the scan itself, which you pay the facility directly ($399–$759 typical cash-pay). Your insurance may cover the scan — we verify coverage in real time and advocate for prior authorization — and HSA/FSA cards are accepted for both the concierge fee and the facility scan fee. Learn more about CCTA

3 Billion Beats is an educational platform. "90% of heart attacks are preventable" is a population statistic, not a personal guarantee. Your labs and protocols are physician-reviewed, and your care team is here for the questions in between — always talk with your physician about medical decisions.

3 Ways to Save

One membership, one honest price — and three honest ways to make it cost less. HSA/FSA cards accepted.

1. Pay Annually

The annual plan is $900/yr* — monthly is $90 × 12 = $1,080. Paying annually saves $180, and you can still spread it out from ~$75/mo with Affirm or Klarna.

SAVES $180/YR VS MONTHLY

2. Use Your HSA/FSA Card

HSA/FSA cards accepted at checkout — many members pay with pre-tax dollars they've already set aside for their health, so their money goes further.

PRE-TAX DOLLARS GO FURTHER
A Billion Buck — the 3 Billion Beats in-app rewards coin

3. Use Your Billion Bucks

Earn Billion Bucks in the app for healthy habits, then redeem them for up to 10% off add-ons — like the CCTA concierge — and your next membership renewal. The more you engage this year, the less next year costs. (Renewals and add-ons only — more add-ons coming, including advanced functional labs.)

UP TO 10% OFF ADD-ONS & RENEWALS

*NY & NJ: +$371/yr state lab fee — passed through at our exact cost. Your state's lab regulations cost more to serve; we don't mark that up.

Payment Options

Pay with HSA / FSA

HSA/FSA cards accepted

Your labs and imaging are ordered and supervised by our partner physician practice, and HSA/FSA cards are accepted at checkout — so many members pay for their 90 Nation membership with pre-tax dollars they've already set aside for their health.

  • Pay directly with your HSA/FSA debit card at checkout
  • TrueMed integration for instant Letter of Medical Necessity
  • Download LMN + itemized receipt for your plan administrator
  • Works for membership, CCTA concierge fees, and facility imaging fees
📶 5G 10:09 AM 🔋 98%
Step 3B: Your HSA / FSA
🏦 Plaid Security Shield ACTIVE

Your credentials are encrypted and never stored by 3BB.

HealthEquity HSA Balance
$3,250.00
Card Ending in •••• 4892
HSA/FSA CARDS ACCEPTED
90 Nation Annual Membership: $900.00
Paid from HSA (pre-tax): -$900.00
Out-of-Pocket Cost: $0.00
A 90 Nation Member Exclusive

Bloodwork tells you the chemistry. A CCTA shows you the arteries themselves.

Most heart attacks strike people whose standard numbers looked fine. A coronary CT angiogram looks directly at your arteries, revealing plaque that bloodwork alone can't see — and unlocking it is one more reason families join the 90 Nation. Available exclusively as a 90 Nation member add-on — $315.

  • Your $315 concierge fee includes:
  • Physician consult + CCTA order through our 3BB Physician Network
  • Insurance coordination and advocacy
  • "Find Your CTA" — compare cash-pay pricing near you
  • AI agent calls facilities to book your appointment
  • Corwin texts you real-time status updates
  • Not included: the scan itself — you pay the facility directly ($399–$759 typical cash-pay), and your insurance may cover it

Radical transparency: a specialist consult alone can often run over $1,000 — your $315 covers the consult, the CCTA order, and every bit of coordination above. The one thing it does not cover is the imaging scan itself: you pay the facility directly ($399–$759 typical cash-pay), and your insurance may cover it. We verify coverage in real time and advocate for prior authorization, so you can use your insurance, your HSA/FSA card, or cash-pay — whichever is lowest. HSA/FSA cards are accepted for both the concierge fee and the facility scan fee.

Physician-ordered, physician-reviewed HSA/FSA cards accepted 90 Nation member add-on — $315
Join the 90 Nation & unlock CCTA
CCTA Concierge · Members-Only Add-On

Cardiac CT — Without the Hassle

$315 · Exclusively for 90 Nation Members · Scan Fee Paid Directly to the Facility

Getting a Coronary CT Angiography (CCTA) requires a physician order — and most doctors won't write one. That's why the CCTA Concierge is one of the biggest benefits membership unlocks: available exclusively as a 90 Nation member add-on for $315, it connects you with the 3BB Physician Network for your consult and CCTA order, then handles everything else — insurance coordination, facility discovery, and appointment scheduling. A specialist consult alone can often run over $1,000; your $315 covers the consult, the order, and all the coordination below. The only thing it doesn't cover is the scan itself, which you pay directly to the facility — and your insurance may cover it.

What's included in the concierge fee:
  • Physician consult + CCTA order through our 3BB Physician Network
  • Insurance coordination and advocacy
  • "Find Your CTA" — compare cash-pay pricing near you
  • AI agent calls facilities to book your appointment
  • Corwin texts you real-time status updates
What's NOT included:
  • The imaging scan itself — you pay the facility directly ($399–$759 typical cash-pay), or use your insurance: we verify coverage in real time and advocate for prior authorization

Insurance coordination is facilitated through our partner physician practice. Use your insurance, your HSA/FSA card, or cash-pay — we help you find the lowest price. HSA/FSA cards accepted for both the concierge fee and the facility scan fee.

Find Your CCTA Center

Select a facility to book

Insurance Verified
Only show in-network facilities
1 out-of-network facility hidden
🟢 In-Network 🟢 Value Pick
Shields Imaging Quincy
63 Whitwell St, Quincy MA • 4.2 mi
$475
Pre-Negotiated
256-Slice High-Definition CT (Cleerly Optimized)
Booking Preferences
Mon Jun 22
Tue Jun 23
Wed Jun 24
Morning (8am - 12pm)
Afternoon (12pm - 5pm)
Corwin AI Outbound Calling
00:00
Corwin AI
Corwin AI Calling
Shields Imaging...

CCTA Appointment Booked!

Corwin successfully completed the call. Your appointment details are locked in below:

Shields Imaging Quincy 63 Whitwell St, Quincy MA
Monday, June 22nd at 9:00 AM Insurance Coordination Confirmed
256-Slice Scanner Reserved Plaque Analysis Protocol Pre-Loaded
A woman on a quiet morning walk at golden hour, checking in with Coach Corwin on her phone
Coach Corwin · Included with Membership

Talk it through, text a question, or just check in.

Corwin is your AI health companion — there whenever you need him, day or night, on your terms. He knows your story: your labs, your goals, and every conversation, so each check-in picks up right where you left off.

Voice & chat in the app Or a simple text — SMS coaching included Remembers your labs, goals & history Tracks your progress with you Informational guidance — your physician always leads
Meet Corwin
The 90 Nation Panel

Explore Every Test

Your annual All Systems Go panel runs 37 test orders that expand into 99+ individual biomarkers — drawn at Quest locations nationwide, physician-reviewed, and included in membership at our cost. Search or browse every one below.

Browse every test Tap any test to read what it measures and why it matters.
Lipid Panel Lipids & Particles Your foundational cholesterol picture — total, LDL, HDL, and triglycerides.

The standard lipid panel measures total cholesterol, LDL (“bad”) cholesterol, HDL (“good”) cholesterol, and triglycerides. It’s the baseline most physicals stop at — we use it as a starting point, then go far deeper with particle-level testing, because cholesterol totals alone miss a large share of cardiovascular risk.

LDL Particle Fractionation (Ion Mobility) Lipids & Particles Counts and sizes your LDL particles, not just the cholesterol inside them.

Standard LDL-C estimates the cholesterol carried by your LDL, but risk tracks with the number and size of the particles themselves. Ion-mobility fractionation counts your LDL particles and measures how small and dense they are — small, dense LDL is more strongly associated with plaque formation than large, buoyant LDL.

Apolipoprotein B (ApoB) Lipids & Particles The single most accurate count of the particles that drive plaque.

Every atherogenic particle carries exactly one ApoB protein, so ApoB is a direct count of the particles that can lodge in your artery walls. Large analyses have found ApoB predicts cardiovascular events better than LDL cholesterol — especially when the two disagree, which is common in metabolic dysfunction. It’s one of the most important numbers most standard panels never report.

Apolipoprotein A1 (ApoA1) Lipids & Particles The protein backbone of your protective HDL particles.

ApoA1 is the main protein in HDL (“good”) cholesterol and reflects how well your HDL can carry cholesterol away from artery walls. Read alongside ApoB, it helps paint a fuller picture of the balance between plaque-forming and plaque-clearing particles than cholesterol totals alone.

Lipoprotein(a) — Lp(a) Lipids & Particles An inherited, one-time risk marker most people are never tested for.

Lipoprotein(a) is a largely inherited particle that can meaningfully raise cardiovascular risk. It affects roughly 1 in 5 people, yet very few have ever been tested. Because it’s about 90% genetic, a single lifetime measurement usually tells you what you need to know — and it’s almost never part of a standard cholesterol panel.

Oxidized LDL (OxLDL) Lipids & Particles Measures whether your LDL is actively doing damage — not just present.

Oxidized LDL reflects LDL particles that have been chemically damaged and are actively contributing to plaque formation and arterial inflammation. It’s one of the more direct signals of whether cholesterol is causing harm right now, rather than simply how much is circulating.

Omega 3/6 Panel Lipids & Particles Your omega-3 to omega-6 balance — a lever you can move with diet.

This panel measures key omega-3 (like EPA and DHA) and omega-6 fatty acids and the balance between them. That balance influences inflammation and cardiovascular health, and it’s one of the most responsive markers to dietary change — making it a useful way to track how nutrition shifts are landing.

Hemoglobin A1C Metabolic Health Your average blood sugar over the past ~3 months.

A1C reflects your average blood glucose over roughly three months. Because metabolic dysfunction is a major, often-silent driver of heart disease, tracking A1C helps surface insulin resistance and rising blood-sugar trends early — well before they’d show up as a fasting-glucose problem.

Fasting Insulin Metabolic Health Often the earliest signal of insulin resistance, years before glucose rises.

Fasting insulin can climb long before fasting glucose or A1C move, making it one of the earliest windows into insulin resistance — a root driver of cardiovascular and metabolic risk. Standard panels rarely include it, which is why early metabolic dysfunction so often goes unseen. (Paired with glucose, it also lets us calculate HOMA-IR.)

Uric Acid Metabolic Health A metabolic marker linked to blood pressure and heart health.

Beyond its role in gout, uric acid is associated with blood pressure, metabolic health, and cardiovascular risk. Elevated levels can reflect underlying metabolic dysfunction, so we track it as part of the fuller metabolic picture.

Comprehensive Metabolic Panel (CMP) Metabolic Health 14 markers covering blood sugar, electrolytes, kidney, and liver function.

The CMP is a 14-analyte panel covering fasting glucose, electrolytes (like sodium and potassium), kidney markers (creatinine, eGFR), and liver enzymes (ALT, AST). It’s a broad safety-and-function check that anchors both your metabolic picture and organ health — one composite order that expands into many individual biomarkers.

hs-CRP Inflammation & Immunity A sensitive marker of the low-grade inflammation behind plaque.

High-sensitivity C-reactive protein detects the low-grade, systemic inflammation that fuels atherosclerosis. Because heart disease is as much an inflammatory process as a cholesterol one, hs-CRP adds risk information a lipid panel can’t — sometimes flagging concern even when cholesterol looks fine.

ESR (Sed Rate) Inflammation & Immunity A general gauge of inflammation across the body.

The erythrocyte sedimentation rate is a long-established, general measure of inflammation. Read alongside more specific markers like hs-CRP, it helps confirm whether an inflammatory process is present and worth understanding further with your care team.

Myeloperoxidase (MPO) Inflammation & Immunity Signals inflammation specifically within the artery wall.

Myeloperoxidase is an enzyme released by active immune cells that points to inflammation within the blood-vessel wall itself — the kind tied to unstable, vulnerable plaque. It adds a vascular-specific layer to the inflammation picture that general markers can miss.

Lp-PLA2 Inflammation & Immunity An enzyme tied specifically to inflamed, plaque-prone arteries.

Lp-PLA2 is an enzyme closely linked to inflammation inside the artery wall and to plaque that’s more prone to rupture. Unlike broad inflammatory markers, it’s relatively specific to vascular inflammation, helping distinguish arterial risk from general inflammation.

Homocysteine Inflammation & Immunity An amino acid that, when elevated, can injure blood vessels.

Homocysteine is an amino acid that, at elevated levels, is associated with damage to the blood-vessel lining and higher cardiovascular risk. It’s often influenced by B-vitamin status and methylation, so it can point toward root causes that are addressable through nutrition with your care team.

Antinuclear Antibodies (ANA) Inflammation & Immunity Screens for autoimmune activity that can drive inflammation.

ANA is a screening marker for autoimmune activity. Because autoimmune and inflammatory conditions can quietly contribute to cardiovascular and whole-body risk, we include it to help surface immune drivers that standard cardiac workups overlook.

Rheumatoid Factor (RF) Inflammation & Immunity An immune marker associated with inflammatory conditions.

Rheumatoid factor is an antibody linked to rheumatoid arthritis and other inflammatory conditions. Chronic inflammation of this kind is associated with elevated cardiovascular risk, so it adds another lens on the immune and inflammatory factors that shape heart health.

TSH Hormones & Thyroid The master signal that sets your thyroid — and metabolic — pace.

Thyroid-stimulating hormone is the pituitary’s signal to the thyroid and the first-line marker of thyroid function. Because thyroid status influences metabolism, cholesterol, and heart rate, an out-of-range TSH can ripple into cardiovascular and metabolic health.

Free T4 Hormones & Thyroid The circulating thyroid hormone available to your tissues.

Free T4 measures the unbound thyroxine available to your cells. Paired with TSH and Free T3, it gives a fuller view of thyroid function than TSH alone — useful because thyroid imbalances can quietly affect cholesterol, weight, and cardiovascular health.

Free T3 Hormones & Thyroid The active thyroid hormone that drives your metabolism.

Free T3 is the most metabolically active thyroid hormone. Measuring it alongside TSH and Free T4 helps reveal how well your body is converting and using thyroid hormone — a factor in energy, metabolism, and heart health that a single TSH can miss.

Thyroid Antibodies (Thyroglobulin + TPO) Hormones & Thyroid Screens for autoimmune thyroid activity behind thyroid dysfunction.

Thyroid antibodies (thyroglobulin and TPO) reveal whether an autoimmune process is affecting your thyroid — the most common cause of thyroid dysfunction. Since thyroid health influences metabolism and cardiovascular risk, catching an autoimmune driver early opens more room to act.

Testosterone (Total & Free) Hormones & Thyroid A key hormone — measured total and bioavailable — tied to metabolic health.

We measure both total testosterone and the free, biologically active fraction. Testosterone influences muscle, metabolism, mood, and cardiovascular health in people of all genders, and because much of it circulates bound and inactive, the free measure often reflects true hormonal status more accurately. Imbalances frequently travel with metabolic dysfunction.

Estradiol Hormones & Thyroid A primary estrogen that influences vascular and metabolic health.

Estradiol is a primary form of estrogen relevant to people of all genders. It plays a role in blood-vessel function, bone, and metabolic health, so it’s part of the hormonal picture that shapes cardiovascular risk over time.

Progesterone Hormones & Thyroid A hormone that helps contextualize overall endocrine balance.

Progesterone helps round out the hormonal picture, particularly for women, and supports interpretation of the broader endocrine balance that intersects with metabolic and cardiovascular health.

DHEA-S Hormones & Thyroid An adrenal hormone reflecting stress resilience and hormonal reserve.

DHEA-S is an adrenal hormone that serves as a building block for other hormones and reflects hormonal reserve and stress physiology. Because chronic stress is a genuine driver of cardiovascular risk, DHEA-S adds insight into that often-overlooked dimension.

SHBG Hormones & Thyroid Controls how much of your sex hormones are actually active.

Sex hormone-binding globulin controls how much of your testosterone and estrogen is bound versus free and active. It also tracks with insulin resistance, so it helps connect hormonal and metabolic health in one measure.

Cortisol (AM) Hormones & Thyroid Your morning stress hormone — a window into chronic stress load.

Cortisol is the body’s primary stress hormone, and a morning measurement captures it near its natural daily peak. Chronically dysregulated cortisol is linked to blood pressure, metabolism, and cardiovascular risk, making it a meaningful part of a root-cause picture.

GGT Organ Function A liver enzyme that also flags oxidative stress and metabolic strain.

Gamma-glutamyl transferase is a liver enzyme that, beyond liver health, is associated with oxidative stress and metabolic and cardiovascular risk. Even within “normal” ranges, rising GGT can hint at metabolic strain worth understanding.

Amylase Organ Function A pancreatic enzyme included as a broader organ-safety check.

Amylase is an enzyme primarily from the pancreas. It’s included as part of a thorough organ-function and safety picture, helping ensure the systems around your metabolic health are working as they should.

Lipase Organ Function A pancreatic enzyme that rounds out organ-function screening.

Lipase, another pancreatic enzyme, complements amylase in checking pancreatic and digestive health — part of the comprehensive organ-function screening that surrounds your cardiovascular and metabolic markers. (Your kidney and liver markers are also covered within the Comprehensive Metabolic Panel.)

CBC with Differential Blood & Nutrients A complete blood count covering immune cells, red cells, and platelets.

The complete blood count with differential measures red cells, white cells (and their types), and platelets. It’s a foundational health and safety panel that can surface anemia, immune activity, and clotting-related factors — one composite order expanding into many individual values.

Iron (Total) Blood & Nutrients Circulating iron, essential for oxygen delivery and energy.

Total iron reflects the iron available for making hemoglobin and delivering oxygen. Both low and high iron can affect cardiovascular and metabolic health, so it’s read alongside ferritin for a fuller iron-status picture.

Ferritin Blood & Nutrients Your body’s iron storage — and a sensitive inflammation marker too.

Ferritin reflects stored iron and doubles as an inflammation marker, since it rises with inflammatory activity. That dual role makes it useful for understanding both nutrient status and hidden inflammation.

Vitamin D (25-OH) Blood & Nutrients A widely deficient vitamin tied to vascular and immune health.

25-hydroxyvitamin D is the best measure of vitamin D status. Deficiency is common and associated with cardiovascular, immune, and metabolic health — and because it’s so responsive to supplementation and sunlight, it’s a highly actionable marker to track.

Vitamin B12 Blood & Nutrients Essential for nerves, red blood cells, and homocysteine control.

Vitamin B12 supports nerve function, red-blood-cell formation, and healthy homocysteine metabolism. Low B12 can raise homocysteine and cause fatigue, so it connects nutrient status to cardiovascular risk in a very addressable way.

Folate (Serum) Blood & Nutrients A B vitamin central to methylation and homocysteine balance.

Folate works with B12 to keep homocysteine in a healthy range and support methylation — the biochemistry behind many root-cause pathways. It’s a nutrient lever that’s straightforward to correct once measured.

RBC Magnesium Blood & Nutrients A cell-level magnesium reading tied to rhythm and blood pressure.

Measuring magnesium inside red blood cells reflects tissue stores more accurately than a standard serum test. Magnesium supports heart rhythm, blood pressure, and metabolic health, making adequate levels quietly important for cardiovascular wellbeing.

CoQ10 Blood & Nutrients A cellular-energy antioxidant important for the heart muscle.

Coenzyme Q10 helps your cells — especially energy-hungry heart muscle — produce energy and acts as an antioxidant. Levels can fall with age and with certain medications like statins, so measuring it helps ensure this heart-supporting nutrient stays where you want it.

No tests match your search. Try a marker name like ApoB, thyroid, or inflammation.

Pricing FAQ

Membership, payment, labs, and imaging — search or browse every answer.

Browse every question Tap any question to read the answer.
What's included in my 90 Nation membership? Membership

Everything. Your membership includes an annual comprehensive lab panel at Quest Diagnostics — included at our cost, with no markup — plus the Corwin AI health companion, personalized physician-reviewed protocols, Heart Health Score tracking, SMS coaching, and exclusive member access to the CCTA concierge add-on ($315). We don't mark up the labs; membership pays for the care around them. Welcome to our family.

How much does membership cost? Pricing & Payment

The 90 Nation is $900/year — or from ~$75/mo with Affirm or Klarna. Prefer monthly? It's $90/month as a 12-month membership, paid monthly, renewing annually. Full refund within 7 days of your first payment. HSA/FSA cards accepted. *NY & NJ: +$371/yr state lab fee — passed through at our exact cost. Your state's lab regulations cost more to serve; we don't mark that up.

Can I use my HSA or FSA to pay? Pricing & Payment

Yes — HSA/FSA cards accepted. Your labs and imaging are ordered and supervised by our partner physician practice. You have three ways to pay: (1) Pay directly with your HSA/FSA debit card at checkout, (2) Use our TrueMed integration — a 2-minute health survey generates an instant Letter of Medical Necessity, or (3) Pay with a regular card and download your LMN + itemized receipt to submit to your plan administrator.

Is this covered by insurance? Pricing & Payment

Your annual lab panel is ordered through our partner physician practice and included in your membership at our cost — we don't bill insurance for it, and we don't mark it up. For cardiac CT imaging, our CCTA Concierge team actively works with your insurance provider to obtain prior authorization and coverage — and cash-pay is always available if that's lower. HSA/FSA cards accepted for both the concierge fee and the facility scan fee. You'll receive real-time status updates from Corwin throughout the process.

What if the 90 Nation isn't right for me? Membership

Then we part as friends. Full refund within 7 days of your first payment. That applies to your very first annual or monthly payment — try the membership, meet Corwin, see how the family takes care of you, and if it's not a fit, we'll refund you in full. After the refund window, monthly memberships continue through the 12-month term and renew annually.

Why do NY & NJ members pay a state lab fee? Pricing & Payment

Radical transparency: NY & NJ: +$371/yr state lab fee — passed through at our exact cost. Your state's lab regulations cost more to serve; we don't mark that up. Everywhere else, the price is the price.

Where do I get my labs drawn? Labs & Testing

Labs are performed through Quest Diagnostics, with thousands of locations nationwide. After ordering, you'll receive a lab requisition from our partner physician and can visit any nearby Quest location at your convenience — no appointment needed.

What is the CCTA Concierge Service? CCTA

The CCTA Concierge is available exclusively as a 90 Nation member add-on — $315, and one of the biggest benefits membership unlocks. The fee includes your physician consult + CCTA order through our 3BB Physician Network, insurance coordination and advocacy, our "Find Your CTA" tool to compare cash-pay pricing near you, an AI agent that calls facilities to book your appointment, and real-time status texts from Corwin. A specialist consult alone can often run over $1,000 — the only thing not included is the imaging scan itself, which you pay directly to the facility ($399–$759 typical cash-pay). Your insurance may cover the scan — we verify coverage in real time and advocate for prior authorization. HSA/FSA cards accepted for both the concierge fee and the facility scan fee.

What makes this different from a regular blood test? Labs & Testing

Standard physicals only test total cholesterol and LDL. Your included annual panel tests 99+ advanced biomarkers including ApoB, Lp(a), insulin resistance markers, inflammation panels, hormones, and Omega-3 — giving a complete picture of your cardiometabolic risk 10-20 years before symptoms appear. Every result is analyzed by our AI Health Insights Panel and explained in plain language by Coach Corwin.

No answers match your search. Try HSA, refund, or insurance.