Your Care, All in One Place
An Invitation to Early Members — Enrollment is Now Closed
About the Membership
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This membership is rooted in midlife and menopause-informed care, and built to support your whole health. It offers comprehensive, ongoing support from a doctor who knows you, a clinical team dedicated to help you navigate the health care system, and convenient access when you need it most.
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Virtual-first primary care, led by Dr. Chacko
Preventive care & chronic condition management
Menopause support
Communication between visits
Care coordination & specialist referrals
Lab and imaging orders
Prescription medication management
Prior authorizations, medical forms, & care navigation
Clinical notes shared with your other doctors (with your consent)
Long term health planning with a doctor who knows you
Optional in-person visits (limited availability for early members only)
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Yes — our virtual care model is available to patients anywhere in Florida and we will coordinate care with specialists and office locations in your community. We are actively expanding our network of trusted in-person care partners throughout the state.
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Membership is $1,800 per year (equivalent to $150/month), paid at the start of your membership to support ongoing, continuous care. There are no extra fees for your menopause-informed primary care visits.
After completion of the first year of primary care, you can continue at the same rate, but billing will occur monthly (not annually) at $150/month.
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While insurance is not needed to access our services, we recommend that all patients maintain an insurance policy to guarantee coverage of gynecologic care, medications, labs, imaging, ER care, hospitalizations, and specialist visits. Your Curate membership does not replace insurance, but it gives you a high-access, deeply personalized relationship with your doctor and clinical support team.
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If you’re already a member, there’s nothing you need to do — your care and access to Dr. Chacko will continue as usual. You’ll receive updates about any new offerings or changes as Curate Medical grows, and you’ll always have the option to stay with Dr. Chacko or transition to another approach to care, if ever needed.
Becoming a Founding Member
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Right now, this membership is currently available exclusively to established patients of Dr. Chacko throughout Florida who want to stay connected and receive more comprehensive, ongoing support.
Enrollment for early members will close on August 15th.
If you’ve seen Dr. Chacko for menopause care and have ever thought “I wish she could be my primary care doctor too,”—this is for you.
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Although Curate Medical is a virtual care model, we're offering an option for limited in-person appointments for early primary care members who enroll prior to August 15, 2025. Dr. Chacko will maintain availability for optional in-person appointments once a month, exclusively for primary care patients only — menopause consulting care will be entirely virtual.
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That’s completely okay! There’s no pressure to decide.
Dr. Chacko is keeping her primary care panel intentionally small to balance menopause consultations and her role as Medical Director. She may reopen her panel in the future, though future availability will likely but space will be limited and not widely advertised.
After our initial launch, primary care will be available through other trusted colleagues on the Curate Medical care team.
This invitation is just for current patients who want to stay connected with Dr. Chacko as their primary care doctor. Consider enrolling only when the timing feels right for you.
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Absolutely. If you’re on the fence or have questions, you're welcome to schedule a brief “Beyond the FAQ” phone call with a member of our team via this booking link or send us a message directly. There's zero pressure to enroll.
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No — This membership is optional. You can continue to schedule appointment-based menopause care to complement the primary care you receive in your community.
Curate’s primary care membership is an opportunity to integrate more of your care in one place and will afford you more comprehensive support and a more continuous connection with your care team between and outside of appointments.
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As Curate grows, so will our care team — but all early members who enroll before August 15 will be assigned to Dr. Chacko’s primary care panel.
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Yes! Curate Medical is growing. As we grow in the future, we'll be integrating Psychiatry, Therapy & Counseling, and additional specialty services. Our earliest members will help shape that growth. Primary care members will receive discounts on any additional specialty services we add to our platform and your primary care will be integrated with any speciality care you receive.
How Virtual-First Care Works
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Virtual-first primary care is a modern approach to healthcare that provides personalized, continuous care — for prevention, diagnosis, chronic condition management, mental health, and more.
We manage your care and stay connected through virtual visits, messaging, phone calls, and behind-the-scenes coordination — and we direct you to the in-person care you need only when it truly adds value. It’s personal, flexible, and designed to offer proactive support to more women across our state.
Why this model? Virtual-first because it allows for faster access, longer and more thoughtful conversations, and more flexible, holistic care. Studies have shown that virtual care is safe, effective, and often preferred for a wide range of services (AMA 2021, NIH).
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We’re not just reimagining how you see your doctor — we’re creating a system of care — designed by and for women, with reach, flexibility, and long-term relationships at its core. Our care will travel with you and adapt to your busy lifestyle. As a member, you’re participating in our vision to build better care for women.
With this model, we’re able to:
Offer longer, more thoughtful visits with physicians who specialize in women’s health and midlife care
Eliminate unnecessary friction and outdated barriers to care
Provide unparalleled care coordination and support
Build a connected community of support, no matter where you live in the state
Reach more women who’ve long been underserved or dismissed in traditional healthcareWith this model, we’re able to:
Studies show that up to 70% of primary care can be delivered virtually, especially when the patient and clinician have an ongoing relationship (JAMA 2022). Virtual-first care improves access, outcomes, and patient satisfaction, while reducing unnecessary in-person visits.
Care and Clinical Services
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Yes — but only when they're necessary and meaningful. Much of what happens in a traditional ‘annual physical’ can be done virtually: reviewing your history, medications, lifestyle, screenings, and labs. For issues that require hands-on care — like a breast exam or Pap smear — we’ll either refer you to a trusted local partner or arrange a specific in-person touchpoint with your existing care team. We have a growing network of trusted Gynecology colleagues throughout Florida and we value collaboration with these offices in the care of our patients.
Many leading medical groups now recommend separating the "annual physical" into two parts: a comprehensive preventive care planning visit (which can be virtual) and targeted in-person care only when indicated (NEJM Catalyst, 2020).
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Pap smears and breast exams do require in-person care, and we’ll help coordinate that — either through your current OB/GYN or by referring you to a trusted partner. Mammograms and other imaging can also be ordered by your Curate clinician and obtained locally.
Further, we will be early adopters of the latest evidence-based advancements in at-home diagnostics, for example the recently FDA-approved at home cervical cancer screening option for those who have barriers to accessing an in-person Pap test.
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Curate will order labs at your preferred lab location (like Quest or LabCorp), and we’ll track results for you. For blood pressure, we’ll guide you in using an at-home cuff and send instructions for accurate readings.
Home BP monitoring has been shown to be more accurate for ongoing care than occasional office readings (AHA 2021).
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Sometimes, yes — but only when it will actually change your care. For example:
You need a procedure (Pap, IUD, biopsy, etc.)
You’re having a symptom we believe needs an in person evaluation, for example with dermatology or urgent care.
In many cases, we can guide you virtually and help you avoid unnecessary urgent care or specialist visits. When in-person care is needed, we will either coordinate it or refer you.
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These are some of the areas where virtual-first care shines. Our visits are longer and more relationship-based than typical primary care, allowing us to deeply understand your unique context and support you across stress, sleep, weight, hormones, medications, and more.
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We’ll help you decide when and where to go — and we’ll follow up to ensure your care is connected and continuous. If you visit another provider, we’ll review your records and help make sure your plan is clear and personalized. As always, in case of a medical emergency please call 911 or seek care immediately.
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We can only provide a superbill for specific point-of-care visits, like non-membership appointment-based care or individual speciality services. Unfortunately, most insurance plans do not value or reimburse for membership-based care, even with documentation. If reimbursement is important to you, we recommend checking directly with your insurance provider to understand what may be eligible.
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Flexible Spending Account (FSA):
Membership fees may qualify as a medical expense under an FSA, but acceptance depends on your employer’s plan and documentation requirements. Don’t forget that FSAs typically follow a use-it-or-lose-it rule—meaning unused funds may expire or carry over only a limited amount. We recommend confirming with your plan administrator whether membership fees are considered eligible expenses under your specific FSA.
Health Savings Account (HSA):
Starting January 1, 2026 Direct Primary Care (DPC) or membership‑based primary care fees will be eligible for reimbursement with HSA funds, up to $150/month for individuals or $300/month for families. This means that, so long as you’re enrolled in a qualified High-Deductible Health Plan (HDHP) and comply with annual HSA limits you can use pretax dollars to cover your membership fees.
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That’s okay. Some patients choose to keep an existing PCP for insurance or basic needs, while using our membership for more comprehensive, personalized support. You can think of this as having a physician and team who really know you — and can help you navigate care, even if some services happen outside our system. We're happy to collaborate with your other providers when needed.
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Yes, you can still join Curate’s membership — but it’s important to know that HMO plans limit access to care by requiring referrals from an in-network primary care provider.
While we can still coordinate with specialists and provide documentation, we may not be able to generate referrals or authorizations. We are more than happy to guide and coordinate your work with your insurance-based PCP for patients who carry HMO coverage.
We recommend checking with your insurance provider or give us a call if you plan to rely on Curate as your main point of access for referrals or coverage-based care.