Doctor & Clinic VisitsThese are your standard visits for when you are sick, injured, or need a check-up but don't need a full surgery.
A New, Modern Way to Cover Your Health
Underwritten by ACE American Insurance Company, a Chubb companyCoverage designed for the way you work.
Ask Ailene
Get instant answers about your Smirk coverage, costs, or how to find a doctor nearby
Health coverage that
keeps up with you
See what's included and the specific limits for each treatment.
Regular doctor's visits
$50/visit, 2 visits
Urgent care visits
$50/visit, 2 visits
Emergency room (ER) visit
$250/visit, 1 visit
Medical Tests & Lab WorkDiagnostic tools doctors use to figure out what's wrong or to monitor your health.
Lab work
$50/event, 2 events
Standard X-Rays
$50/event, 2 events
Advanced Imaging
$250/event, 1 event
Same-Day SurgeryThese are outpatient procedures where you are not required to stay in a hospital overnight.
Outpatient surgery - ASC
$2750/surgery, 1 surgery
Input Costs (e.g. screws)
$500/surgery, 1 surgery
Outpatient Anesthesia
$0/visit, 2 events
Major SurgeryCovers procedures where the doctor requires you to stay in the hospital overnight or longer to recover.
Inpatient surgery
$2750/surgery, 1 surgery
Anesthesia for surgery
$0/event, 1 event
Blood products for surgery
$175/event, 1 event
Second opinion for surgery
Included, 1 event
Hospital StayCovers you when you are officially admitted to a hospital and need to stay for recovery.
Hospital admission
$1750/stay, 1 admission
Daily hospital room charges
$275/day, 3 days
ICU daily charges for surgery
$275/day, 3 days
Additional optional coverage
to match your lifestyle
We offer these additional coverages to enhance and personalize your plan.
Critical IllnessThis is how much we'd pay if you face a very serious medical diagnosis like cancer, heart attack, stroke, paralysis, kidney failure and major organ transplant.
We'd pay $5,000-$15,000
From $5,000, 1 event
Wellness & PreventionSupporting your health through preventive screenings, wellness, and ongoing care support.
Wellness incentive
$50/event, 1 event
Dental SupportExtra coverage to help with the costs of dental care and dental procedures.
Preventive dental
$25/event, 1 event
Dental services
$0/event, 1 event
Outpatient dental surgery
$0/surgery, 1 surgery
Vision SupportHelp with the regular costs for eye exams, new glasses, or contact lenses.
Annual eye examination
$50/event, 1 event
Corrective lenses
$75/event, 1 event
Outpatient ocular surgery
$0/surgery, 1 surgery
Pharmacy SupportFinancial support to help lower the out-of-pocket costs for your medication.
Coverage for your prescriptions
$15 each, 12 prescriptions
Over 200 clinics in Austin
Smirk partners with a nationwide network of trusted doctors, so you can easily find quality care near you. Prefer your own doctor? You can still see them.
Your doctor is not here? You're still covered!
Your doctor is not here? You're still covered!
We pay the same amount regardless, though out-of-network charges may vary.
Real people. Real care.
Medical benefits that actually work for how you live your life.
I've never had medical coverage feel this easy. Smirk helped me find a doctor I actually like, showed me what things would cost before my appointment, and Ailene helped me book care without judgment or confusion. I finally feel in control and that confidence alone is worth it.
Maya R.
Freelance designer, Texas
I work variable hours, so traditional benefits never really worked for me. With Smirk, I got valuable medical coverage, access to a high-quality care network, and zero cost surprises. Everything is clear, portable, and built for how I live my life, without all the paperwork.
James L.
Independent contractor, Pennsylvania
Ready for benefits you'll actually use?
Smirk makes medical care simple, clear, and affordable for the self-employed.
Get CoveredFrom
$28.00/mo