DRODE Doesn't Replace
Your Insurance. It Completes It.
THE Roof
Your Insurance
Catastrophic coverage: surgeries, hospitalizations, major events
Surgeries
ER Visits
Hospitalizations
THE Foundation
DRODE
Copays, deductibles, denied claims, non-covered services — under your control
Copays
Deductibles
Coinsurance
Non-Covered
The
"AND" Strategy
The Deductible Gap
The first $2,000–$5,000 you pay before insurance contributes a penny.
The Coinsurance Sting
The 20% bill that arrives weeks after your appointment.
Denied Claims
Services your insurer decides "aren't necessary."
Non-Covered Services
Procedures, specialists, or treatments your plan doesn't include.
The “Insurance Doesn’t Cover That” List:
Dental (partially), vision (partially), orthodontics (barely), veterinary (not at all), therapy (maybe).
The
Key Difference
Premiums paid to insurance are an expense—gone forever. Funds loaded into DRODE are assets—growing, transferable, and always yours.
DRODE Wallet
Your money, your way
Load any amount, anytime you want
Don't use it? Still 100% yours.
Transfer to any family member
Withdraw to your bank account
Earn rewards on unused balances
Value after 12 months if unused + rewards
$4,200+
Insurance Premiums
Traditional model
Pay $746/month — whether you use it or not
Don't use it? Gone forever.
Can't transfer it to family
Can't withdraw unused funds
Still pay copays, deductibles on top
Value after 12 months if unused
$0
Important: DRODE’s 2x Medicare rates apply exclusively to self-pay physician services—when you are not billing insurance. If you want charges to count toward your insurance deductible, your provider must bill your insurance at their contractual rates. DRODE can serve as the payment mechanism for your out-of-pocket portion (copay, coinsurance, or deductible amount) but does not set the rate when insurance is involved.
What is Drode?
What is the Vision of Drode?
The DRODE Foundation envisions a transformative approach to healthcare, both in the U. S. and globally. Our goal is to empower healthcare consumers with full control over their health spending-choosing their own doctors, institutions, medications, and supplies throughout their lives.
Is DRODE Health Insurance?
How does DRODE work?
How much DRODE do you need to place into your digital wallet?
Is there a minimum account balance required to receive healthcare?
Can I take out the money I have placed in DRODE?
What Does Becoming a Member of the DRODE Community Mean?
What if I don’t have adequate DRODE Funds to pay for my healthcare service?
Insurance Companies have significant discounted rates for services, how does DRODE handle this?
What Does Achieving Membership Status in the DRODE Community Mean?
Who Can Accept and Receive DRODE for Healthcare Payments?
Can my DRODE account be used to pay for other expenditures?
Can I use my DRODE account to pay for someone else’s healthcare expenses?
What if my DRODE account increases in value, can I remove my assets?
Are there additional costs following being established as a Member in the DRODE Community?
Who Owns DRODE?