Open Enrollment: The Smarter Health Plan for Active People
If you run, ride, ski, lift, climb, race, or just live an active life, you already know: staying healthy isn’t optional — it’s how you live. But most insurance plans aren’t built for people like you. They’re built for people who only see a doctor once a year and only go in when something’s really wrong.
This Open Enrollment, there’s a better option:
Pair a High Deductible Health Plan (HDHP) with an Ascend Sports Medicine membership.
Why This Combo Works for Active Bodies
High-deductible plans cover the catastrophic stuff — surgery, accidents, hospitalizations — but they don’t support the realities of an active life:
A knee tweak after ski season
Shoulder pain from climbing or lifting
A crash on the trail
A weird heart rate spike on long runs
Training fatigue or recurring injury
Insurance makes you wait, pay out of pocket, or see someone who doesn’t understand your goals. Ascend was built for people who move.
What You Get with an Ascend Membership
Unlimited visits
Same-day and next-day appointments
Direct access to your doctor (text, video, or call)
Injury evaluation and treatment plans
Sports medicine plus primary care in one place
Annual labs included
Preventative and performance-focused care
Insurance reacts when you’re already hurt.
Ascend helps you stay active, recover faster, and avoid downtime.
New Update: Use HSA Dollars Toward Membership
You can now apply up to $150 of your HSA funds toward an Ascend membership.
That means tax-free dollars are helping pay for direct access to a doctor who understands athletes and active people.
The Financial Win
Pairing Ascend with an HDHP can reduce overall costs by 20–30% because:
You’re not paying high monthly premiums
You avoid urgent care and ER trips
You get care early—before things get worse
You don’t get hit with surprise visit charges
This setup gives you flexibility, access, and control over your health and your wallet.
Who This Is Perfect For
This approach is ideal if you are:
A cyclist, runner, skier, mountain biker, or climber
A strength athlete or gym regular
A weekend warrior with aging joints
A masters athlete focused on longevity
An active parent who wants to stay mobile
Training for races, trips, or events
Tired of being told to “just rest”
If movement is part of your identity, your healthcare should match it.
Bottom Line
Insurance is for emergencies.
Ascend is for your life.
This Open Enrollment, choose a setup designed for active people:
High Deductible Plan + Ascend Membership
= Lower cost, better access, year-round performance care.
If you want help figuring out your plan or making the switch, just reach out—we’re happy to walk you through it. Just give us a call or email us!