Frequently Asked
Questions

It's easy — and it starts free. Join our waiting list to be first in the 90 Nation. From there, joining the 90 Nation takes a few minutes: we introduce you to your care team, order your annual comprehensive lab panel, and Corwin checks in from day one. Welcome to our family.

We encourage people to begin comprehensive cardiovascular screening as early as their 30s and 40s — before symptoms appear and before disease has a chance to progress. Early insight creates more opportunities to:

• Detect hidden disease before it becomes a bigger problem
• Identify and address the root drivers of cardiovascular risk
• Make targeted lifestyle and health changes with your care team
• Track progress and adjust strategies over time

Three groups tend to get the most out of membership:

• People overlooked by traditional screening. Many of us fall through the cracks of standard primary-care and cardiology screening. Membership helps reduce the risk of a first heart attack by uncovering early risk that typical testing misses.
• People with known coronary artery disease but no prior events. Structured, personalized, physician-reviewed strategies that address the true drivers of disease progression.
• People with a history of heart attack. Education, targeted ongoing monitoring, and individualized plans built with your care team to help reduce the risk of repeat events.

Membership is open to anyone 18 or older. One note from our care team: if you're currently pregnant, we recommend waiting to join — pregnancy's hormonal shifts affect many lab values, and imaging and certain lifestyle interventions aren't appropriate during pregnancy. We'll be here, and the welcome will be just as warm, whenever you're ready.

We were founded in Watertown, Massachusetts — a suburb just outside Boston — by Ben & Betsy, a husband-and-wife team who built 3 Billion Beats to take care of members the way they take care of their own family. Wherever you live, your care team and Corwin travel with you.

Over an average lifetime, the human heart beats roughly 3 billion times — and every single one of those beats is an opportunity. Your heart is there for every conversation, every milestone, every adventure, every ordinary Tuesday.

That's the whole reason we exist: we're dedicated to helping you protect the heart that lets you experience it all — so you don't miss a beat.

All 50 states. Our affiliated physician practice is licensed in all 50 U.S. states, lab work is performed at Quest Diagnostics locations nationwide, and CCTA imaging is available through our network of imaging facilities across the country. Corwin is with you anywhere via app, web, or SMS.*

*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.

Many people simply can't get access to advanced lab and imaging tests — advanced lipid, metabolic, and inflammatory panels, full-body biomarker testing, or a coronary CT angiogram (CCTA) — through the traditional system. It usually comes down to two things:

• Physicians are often reluctant to order them, because these tests aren't part of traditional screening guidelines.
• Insurance often denies them, because they don't meet the insurer's "medical necessity" criteria — usually until after something has already gone wrong.

Our direct-to-consumer platform gives you access to advanced testing based on your individual risk profile, not the limitations of the traditional system. The result: a more personalized understanding of your risk, actionable information, and more informed discussions with your healthcare team.

And because radical transparency is a family value here: all lab testing and imaging is provided at our cost. No markups, no hidden fees — we make no money on labs and imaging. Membership pays for the care around them. We take care of you like we take care of our own families.

No — we complement your doctors, we don't replace them. 3 Billion Beats makes you a more informed, empowered participant in your own care. Your membership includes 99+ lab biomarkers annually — roughly five times more than an average physical — plus access to advanced imaging, so you understand your health in far greater depth. You (and Corwin) can bring these insights to your PCP or cardiologist to make your visits more productive and personalized. Doctors may come and go, but 3 Billion Beats is built to stay with you.

Your physicians remain essential — they diagnose, treat, and manage your medical care. What we add is a complementary, functional-medicine lens: heart disease isn't a single problem but a multifactorial, systemic imbalance involving inflammation, oxidative stress, metabolic dysfunction, and lifestyle. We help you and your care team look upstream at those prevention-focused drivers, rather than only managing individual biomarkers with medication. Think of us as the layer of education, data, and family-style care around your existing doctors — never a substitute for traditional care.

Functional medicine is an individualized approach to health that focuses on identifying and addressing the root causes of illness rather than only treating symptoms. It's grounded in systems biology — the understanding that the body's systems are deeply interconnected, so a problem in one area often shows up as a symptom somewhere else. Practitioners look upstream at the factors that shape health: genetics, physiology, environment, nutrition, lifestyle, stress, and personal history.

A simple example: skin conditions like eczema and psoriasis, and even restless legs syndrome, are frequently linked to underlying factors such as microbiome imbalances, nutrient deficiencies, or chronic inflammation. Address those root drivers and the surface symptoms often ease — rather than being managed indefinitely. The same approach works for chronic conditions and, just as importantly, proactively: uncovering and correcting root drivers early, while there's the most room to act.

3 Billion Beats is a healthcare technology company specializing in functional cardiology education and tools. While your primary care physician (PCP) manages overall health, we focus on identifying and addressing the root causes of cardiovascular risk through advanced diagnostics and personalized health intelligence — empowering you with the knowledge to optimize your heart health.

The standard of care often relies on basic lipid panels and managing symptoms (like prescribing statins). We utilize 99+ advanced biomarkers (including ApoB, Lp(a), inflammation markers, and insulin resistance tests) combined with AI analysis to understand why disease is developing. All services are ordered and supervised by our affiliated physician practice, licensed in all 50 states. Our goal is health optimization and proactive care, not just management.

This is a critical point. As our CMO Betsy Shor emphasizes, 75% of heart attack victims have "normal" LDL cholesterol levels according to standard panels. Standard panels miss crucial information like LDL particle count (ApoB), Lp(a) — a genetic risk factor affecting ~20% of people — and underlying inflammation.

Heart disease is often an immune and metabolic issue, not just a plumbing problem. Our advanced testing identifies these hidden risks long before they manifest as an event.

Functional Cardiology looks at the body as an interconnected system. Instead of just focusing on the heart in isolation, it examines how metabolism, inflammation, genetics, hormones, and nutrition impact cardiovascular health. It seeks to answer "why" the disease is occurring and aims to restore optimal function rather than just suppressing symptoms with medication.

3 Billion Beats is a healthcare technology company and Management Services Organization (MSO). We provide the technology platform, AI analysis, and administrative coordination. All clinical services — including lab ordering, CCTA imaging, and medical oversight — are provided by our affiliated physician-owned Professional Corporation (PC), whose supervising physician is licensed in all 50 U.S. states.

This MSO-PC structure is the same model used by many leading healthcare organizations. It ensures that clinical decisions are always made by licensed physicians while allowing us to deliver the best possible technology experience.

Just one — and that's the point. The 90 Nation is our single membership, named for a simple population statistic: 90% of heart attacks are preventable. Welcome to our family — everything is included:

• Annual comprehensive lab panel at Quest Diagnostics — included at our cost, with no markup, and physician-reviewed.
• Corwin AI health companion, personalized protocols, Heart Health Score tracking, and SMS coaching.
• CCTA concierge access at member pricing ($315 instead of $350).

Membership is $900/year (or from ~$75/mo with Affirm or Klarna), or $90/month as a 12-month membership, paid monthly, renewing annually.* HSA/FSA cards accepted. You can also take our free assessment before joining.

*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.

For full details, visit our 90 Nation membership page.

Full refund within 7 days of your first payment. We want you to join because it feels like family, not because you're locked in. Try the membership, meet Corwin, see your assessment — and if the 90 Nation isn't right for you, we'll refund your first payment in full within the 7-day window.

Radical transparency is how we run this family, so here it is plainly: 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.

We don't mark up the labs anywhere — your annual panel is included at our cost, and membership pays for the care around it. The state fee works exactly the same way: what the extra regulation costs us is what you pay, to the dollar.

Your 90 Nation membership includes a comprehensive panel every year — that annual rhythm is built into the membership. If significant interventions are made (dietary changes, supplements, etc.), your care team may suggest follow-up testing on key markers 3-6 months later to track progress.

It depends on the service — and we've designed it that way on purpose.

CCTA imaging: insurance supported. When you elect to use insurance for cardiac CT imaging, we verify your eligibility and coverage in real time, coordinate prior authorization when it's required, and facilitate claims through our affiliated physician practice. A transparent cash-pay path is always available too.

Labs: transparent self-pay, at our cost. Your annual comprehensive lab panel is included in your 90 Nation membership — we don't bill insurance for it, and we don't mark it up. Lab pricing through insurance is notoriously confusing: the same test can carry wildly different "list prices," and many plans deem preventive tests "not medically necessary" until after a cardiac event has already happened. Going self-pay lets us sidestep all of that and order the most comprehensive advanced panels — markers like ApoB, Lp(a), and inflammation panels — without those restrictions.

And because we make no money on the labs, there's nothing hidden: your annual panel is included at our exact cost, with no markup and no surprise bills. Membership pays for the care around it. We take care of you like we take care of our own families.

Yes — you can use your HSA or FSA debit card directly at checkout, no reimbursement paperwork required. Lab testing and diagnostic imaging are typically HSA/FSA-eligible medical expenses, and we provide an itemized receipt you can submit to your plan administrator.

We also partner with Plaid, a secure financial platform, so you can check your available HSA/FSA balance — and put the money you've already set aside toward investing in your health.

When you elect to undergo a CCTA through our platform, we handle the insurance process for you:

• Eligibility Check: We verify your insurance coverage in real time using your insurance card information.
• Prior Authorization: If your plan requires it, we coordinate prior authorization through our affiliated physician.
• Facility Coordination: We schedule your scan at an in-network imaging facility near you.
• Cost Transparency: You'll see your estimated out-of-pocket costs (copay, coinsurance, deductible) before committing.

If you prefer not to use insurance, self-pay / cash-pay pricing is always available with transparent upfront costs.

We accept all major credit and debit cards and HSA/FSA debit cards. Prefer to spread it out? Membership can be paid over time with Affirm or Klarna (from ~$75/mo on the annual plan). For CCTA cardiac imaging, we also support insurance billing. All transactions are processed securely through PCI-compliant payment processors.

Once you join the 90 Nation, our affiliated physician reviews and orders your annual comprehensive lab panel — included in your membership at our cost. You receive a requisition and visit a Quest Diagnostics location near you for a simple blood draw. Once the results are ready, they are securely uploaded to your 3 Billion Beats dashboard, where our AI analyzes the data and generates your personalized Health Story with actionable insights.

Your included annual panel tests 99+ biomarkers — roughly five times more than an average physical. Key advanced markers include:

• Advanced Lipids: ApoB, Lp(a), LDL Fractionation (particle size).
• Inflammation: hs-CRP, MPO, Lp-PLA2, Fibrinogen.
• Metabolic: Fasting Insulin, A1C, HOMA-IR calculation.
• Nutrients: Vitamin D, B12, Homocysteine, Omega 3/6 panel.
• Hormones & Thyroid: Full thyroid panel, cortisol, DHEA-S.

For a complete list, please visit our What's Included page.

Yes. For the most accurate results, particularly for lipid and metabolic panels (like insulin and triglycerides), we require you to fast for 10-12 hours before your blood draw. Water and black coffee are generally acceptable.

All lab work is performed at Quest Diagnostics locations nationwide. With thousands of patient service centers across the U.S., there is likely a location convenient to you. After your physician-supervised requisition is generated, you can walk into any Quest location — no appointment needed in most cases.

A Coronary CT Angiography (CCTA) is a non-invasive cardiac imaging scan that provides a detailed 3D view of your coronary arteries. Unlike stress tests, which typically detect blockages only after they reach 70%+, a CCTA can identify plaque buildup at much earlier stages — allowing for intervention before a cardiac event occurs.

We coordinate the entire process: physician ordering, insurance verification, facility scheduling, and AI-powered plaque analysis through our Cleerly AI integration.

In many cases, yes. CCTA is a well-established diagnostic imaging procedure (CPT 75574) and is covered by most major insurance plans when ordered by a physician with appropriate clinical indication. Our platform verifies your coverage in real time and provides cost estimates before you commit.

A self-pay / cash-pay option is always available if you prefer not to use insurance.

Cleerly is an FDA-cleared AI platform that analyzes your CCTA images to quantify coronary artery plaque — including plaque composition, volume, and stenosis. Traditional CCTA reads simply report whether blockages exist. Cleerly goes further, providing a detailed breakdown of plaque types (calcified, non-calcified, and low-density) that can inform more precise treatment decisions.

When available, this AI-powered analysis is integrated directly into your 3 Billion Beats dashboard alongside your lab data for a comprehensive cardiovascular picture.

Corwin is your AI health coach — a conversational health companion built into the 3 Billion Beats platform. He has persistent memory of your health history, labs, goals, and every conversation you've had. You can talk to him via in-app chat, voice, or SMS text message.

Corwin helps you understand your biomarkers, track your progress, and stay accountable to your health goals. He provides personalized wellness guidance and always recommends consulting your physician for medical decisions.

Corwin provides informational wellness guidance based on your health data — he can explain what your biomarkers mean, discuss the science behind functional cardiology, help you understand trends in your data, and support your health optimization journey. However, Corwin is not a substitute for your physician. He will always recommend discussing medical decisions, treatment plans, and clinical concerns with your licensed healthcare provider.

Absolutely. All data is encrypted at rest (AES-256) and in transit (TLS/HTTPS). Your conversations with Corwin are stored securely on HIPAA-aligned infrastructure powered by Google Cloud. We never sell, rent, or share your health data with third parties for marketing purposes. For full details, please see our Privacy Policy.