Healthcare can be confusing. When people get sick, they have three questions:

1. Do I actually need care?
2. Where should I go?
3. What's it going to cost?

Most people end up guessing. Then they either wait it out and hope, or they end up at urgent care with a $200 bill.

ChatRx answers those three questions in minutes, for free. If ChatRx can treat it, a physician handles it for a flat $25 and sends the prescription to the patient's local pharmacy. If it isn't, ChatRx says so.

That's it. That's the product.

Built by Dr. Tod Stillson, a rural family physician who spent thirty years watching people skip care they needed because they couldn't afford it or couldn't figure out where to go.

Where we are, 15 months in:

1. 4,850+ registered users, 6,600+ assessments, 2,500+ prescriptions
2. $60K+ in revenue since launch, profitable on every visit
3. FDA Class I registered, LegitScript certified, HIPAA compliant
4. About 2 in 3 people leave without a prescription
5. 15 independent pharmacy partners across Indiana, Illinois, and Michigan
6. Partnership with 4C Health, one of Indiana's leading behavioral health organizations, covering 500+ employees, with introductions underway to the 11,000+ community members they serve
7. School partnerships across northern Indiana, including Elkhart Community Schools, City Schools of Mishawaka, Plymouth, Argos, John Glenn, Knox, and Grace Baptist Christian School
8. Marian University Plymouth integrating ChatRx into student health for the 2026-2027 school year
9. Actively exploring healthcare innovation opportunities with a Midwestern Big Ten university pharmacy program focused on pharmacist-supported care models
10. Named as a proposed healthcare navigation technology vendor supporting Indiana's Region 1 GROW rural health initiative, currently working through contracting

From the Founder

I've been a doctor for over thirty years, most of that practicing rural family medicine in northern Indiana. During that time, I watched thousands of patients skip care they needed because they couldn't afford it.

I got tired of watching it happen. So I built something to fix it.

ChatRx is simple. You tell us what's wrong. We tell you what's likely going on and what to do about it, free.

If it's something we can treat, one of our physicians reviews it and sends the prescription to your pharmacy. All for $25. No insurance, no appointment, no video call, no waiting room.

We launched fifteen months ago out of Plymouth, Indiana. More than 4,850 people have registered, and we've completed over 6,600 assessments across three states.

We're raising $500,000 on Wefunder to expand to the seventeen states we're already licensed in. I chose Wefunder on purpose. I want investors who believe healthcare should be affordable and accessible. People like you.

The Problem: Working Families Can't Afford to Get Sick

A mom with a sick kid skips the doctor because the copay alone is 60 bucks. A factory worker rides out a UTI for a week because she can't take a day off to sit in a waiting room.

More than 92 million (1 in 3) Americans skip care every year because of cost.

This is the version of healthcare most working families are actually living with. Not the version on the brochures. The real one. Where a $200 urgent care bill means you wait it out and hope it doesn't get worse.

Healthcare didn't break because medicine failed. It broke because getting access to it became hard.

Our Solution: Answers First, Treatment If You Need It

You tell us what's wrong in a private chat. It takes a few minutes. You find out what's likely going on and what to do about it, and that part costs nothing.

If it's one of the 40+ conditions we treat, a physician from the ChatRx Medical Group reviews your case and sends a prescription to your local pharmacy. Flat $25, work or school note included.

This isn't a chatbot guessing at symptoms. Every case gets physician review. We use AI to organize information and flag concerns so our doctors can see more people. We don't use AI to make the call. That's the line we don't cross.

FDA Class I registered, HIPAA compliant, LegitScript certified.

Beyond Treatment: Helping People Find the Right Care

Not every health problem can be treated online. Some people need self-care and reassurance. Some need an in-person evaluation. Some need behavioral health services, specialty care, or emergency treatment.

When we can't treat someone, we say so plainly and tell them to get seen in person. If something looks dangerous, we say that too, and point them to emergency care. Nobody pays to find out.

But healthcare isn't only a treatment problem. It's a navigation problem. Most people who get sick end up guessing about where to go and what it will cost, and guessing is expensive.

Getting care shouldn't depend on having the right insurance plan, belonging to the right provider network, living near a hospital, or knowing how to work a complicated system. ChatRx was built deliberately to sit outside all of that. Commercial insurance, Medicare, Medicaid, a health-sharing plan, a high-deductible plan, or nothing at all, everyone starts in the same place: free guidance and a clear picture of their options.

We think that's a fairer starting point, and it addresses one of healthcare's hardest problems: getting people to the right care before cost, confusion, or delay turn into barriers.

Which is where we're headed next. We're building toward an Intelligent Healthcare Navigation Network: technology designed to connect people to the right healthcare resource at the right time, whether that's a physician, a pharmacy, behavioral health services, community resources, urgent care, or an employer benefit they already have.

We're not there yet. The architecture is scoped, and the foundation is the network we've already built with employers, schools, pharmacies, behavioral health organizations, and rural healthcare initiatives across Indiana. This raise helps fund the rest.

Why this matters

Our revenue comes almost entirely from $25 visits right now. As the network grows, we see opportunities in employer-sponsored programs, platform licensing, and population health arrangements. Those are opportunities, not contracts. But they're why we think this is bigger than virtual urgent care.

The Opportunity

The U.S. urgent care market is over $34 billion a year (source: Grand View Research, 2024). Many of those visits could be handled asynchronously, at a fraction of the cost, by a licensed physician reviewing the case remotely. That's the market we're pulling into our model.

Source: Grand View Research, 2024]

We're active in 3 states (Indiana, Illinois, Michigan) and licensed in 14 additional states for a total of 17, with expansion starting in late 2026 and continuing into 2027. Our physician team can operate in any state where they're credentialed. We'll add states one at a time as patient volume justifies it.

We're also a proposed healthcare navigation technology vendor for Indiana's Region 1 Federal GROW Grant, a Centers for Medicare & Medicaid Services (CMS) funded Rural Health Transformation program with $65 million in funding over 5 years across seven counties.

What We've Built So Far

We launched in June 2025 with no marketing budget out of Plymouth, Indiana.

Fifteen months in:

1. 4,850+ registered users and 6,600+ assessments across three states
2. 2,500+ prescriptions issued
3. $60K+ in revenue, profitable on every visit
4. 8x growth in monthly volume since launch, with seasonal variation
5. Customer acquisition cost under $20 on $5-6K monthly marketing spend
6. Paid media cash-flow positive: $9K spent returned $12.5K
7. 15 independent pharmacy partners across Indiana, Illinois, and Michigan
8. Named as a proposed healthcare navigation technology vendor supporting Indiana's Region 1 GROW rural health initiative, currently working through contracting

Join Us

We've already closed our first $100,000 from early-bird investors. We're now raising the remaining $400,000 through a Simple Agreement for Future Equity (SAFE) at a $12.5 million valuation cap. The minimum investment is $100. You can become a part-owner of ChatRx for less than the cost of two urgent care visits.

Your investment funds three things:

1. Expanding to more of the states we're licensed in
2. Scaling the technology that powers our intake and physician review
3. Deepening our partnerships with pharmacies, schools, employers, and health systems

I chose Wefunder on purpose. I want investors who believe healthcare should be affordable and accessible. People like you.

We've completed 6,600+ assessments since June 2025, and monthly volume is 8x what it was at launch, and we're profitable on every visit. The details are below if you want to dig in. The mission is the same either way.

Thirty years of medicine taught me that the system won't fix itself. So we're fixing it.

Here's to making urgent care more accessible to those who need it the most.

-Dr. Tod Stillson, Founder & CEO, ChatRx

How ChatRx Works

Three steps. ~7 to 15 minutes. No appointments, no waiting rooms, no insurance.

1. Describe your symptoms via a private chat at chatrx.md. Takes ~4 to 10 minutes.

2. The ChatRx Medical Group reviews your case. Takes ~3 to 5 minutes.

3. A prescription goes to your local pharmacy. Includes a work/school note.

If we can't help you, you don't pay.

ChatRx is Built on Trust

Trust is the only currency in healthcare. We've spent it carefully.

1. FDA-registered as a Software as a Medical Device (SaMD)
2. LegitScript certified, the gold standard for healthcare advertising compliance
3. HIPAA-compliant end-to-end
4. Every case is reviewed by the ChatRx Medical Group, with Dr. Tod Stillson and Dr. John Stillson as reviewing physicians.
5. A Medical Advisory Council oversees national clinical guidelines that govern every prescription decision.

We use AI to organize patient information and flag concerns. We don't use AI to make clinical decisions. A licensed physician from the ChatRx Medical Group makes every call.

ChatRx was founded by Dr. Tod Stillson, with Dr. John Stillson joining as fractional Chief Medical Officer and Chair of the Medical Advisory Council. Rajeev Ratra leads marketing and operations as Operating Partner.

Traction: Fifteen Months, 6,600+ Assessments

We launched in June 2025 with no paid marketing. Patients found us through word of mouth, our pharmacy partners, and grassroots community outreach in Plymouth, Indiana. Then we turned on paid ads in December 2025. Cash-flow positive from week one.

Our unit economics work without subsidy:

1. $25 revenue per visit
2. Under $20 marketing-driven customer acquisition cost
3. ~28% repeat visit rate
4. 8x growth in monthly volume since launch
5. 6.68% Google Ads click-to-conversion rate
6. $9K spent returned $12.5K in paid media

Partner Network

ChatRx isn't a DTC-only play. We're embedded in local healthcare, employer networks, community anchors, and grassroots channels.

Pharmacy Network. 15 independent pharmacy partners across Indiana, Illinois, and Michigan, including the eight-location Williams Bros. Health Care Pharmacy network. From counter-side intake to prescription routing, our partners power local distribution. New partners are onboarding continually.

Employer + Community. Our first major employer partnership launched in July 2026 with 4C Health of Indiana, one of the state's leading behavioral health organizations, bringing ChatRx to 500+ employees with introductions underway to the 11,000+ community members they serve.

Education. School partnerships across northern Indiana including Elkhart Community Schools, City Schools of Mishawaka, Plymouth Community School Corporation, Argos Community School, John Glenn School Corporation, Knox Community School Corporation, and Grace Baptist Christian School. Marian University Plymouth integrates ChatRx into student health services for the 2026-2027 school year.

Local Anchors. Retail partners across northern Indiana, including Rise n Roll Bakeries, Subway franchises, and Woodies Grocery in Bremen, are making ChatRx part of the community fabric.

Grassroots Distribution. Our Ambassador Program activates campus and community evangelists across our active states.

Who We Reach

Most of our patients find us on their own today. That's starting to change.

People who can use ChatRx through a partner right now:

1. 500+ employees at 4C Health
2. 600+ covered lives across employer and organizational partnerships
3. Students, families, and staff across seven northern Indiana school corporations
4. Marian University Plymouth students, beginning fall 2026

Communities where our partners give us a way in:

Our 15 pharmacy partners, including the eight-location Williams Bros. network, sit in towns across Indiana and Illinois. The Region 1 GROW initiative covers seven northern Indiana counties. These are the populations our partners serve. They are not our patients, and we don't count them as such. They're where we think the next several thousand come from.

From Plymouth to Nationwide

We're active in 3 states (Indiana, Illinois, Michigan) and licensed in 14 additional states for a total of 17. Dr. Tod Stillson holds licenses in fifteen states. Dr. John Stillson adds California and Alabama.

Activation is sequential, not simultaneous. We add states one at a time as patient volume justifies clinical capacity. We'll start with adjacent Midwest markets (Ohio, Wisconsin, Minnesota, Iowa), where the patient profile mirrors our existing base.

The Midwest is the beachhead. Texas, California, and Oregon are upside. The seventeen-state footprint opens millions of potential patients we're already licensed to serve.

Where This Goes

Today, most people find ChatRx on their own and pay us $25.

That's already shifting. Pharmacies hand us to their customers at the counter. Schools point families to us when a kid gets sick. An employer just put us in front of 500 people.

The next step is for those organizations to pay for it directly, so their people don't have to. Same doctors, same chat, same $25 service. Different person writing the check.

We're not there yet. No organization pays ChatRx a subscription today. But every pharmacy, school, and employer that puts ChatRx in front of their people is a proof point for where this goes.

Six Revenue Streams. One Platform.

Everything below runs on the same platform, the same physicians, and the same chat. What changes is who pays.

1. Direct-to-consumer urgent care. A patient pays $25. That covers assessment, physician review, prescription routing to their pharmacy, and a work or school note. Roughly 95% of revenue today, and profitable on every visit.

2. Caregiver and work notes. $10, no prescription. For parents, caregivers, and hourly workers who need documentation and nothing else.

3. Individual and family memberships. Annual plans giving unlimited access to the platform for one price. Launching this quarter.

4. Partner-originated care. The same $25 visit, but the patient arrives through a pharmacy counter, a school nurse, or an employer's benefits page instead of finding us on their own. Pharmacy partners receive 20% of visits originated at their location. 15 pharmacy partners are live; 4C Health launched in July, covering 500+ employees, and school districts across northern Indiana are onboarding. This is where our growth is coming from.

5. Employer health. Employers are adding ChatRx to their benefits stack as a navigation layer that lowers cost, lifts utilization of benefits they already pay for, and widens access. Employers pay $4 per member per month rather than per visit. Our first employer is contracted and onboarded, with collection beginning this month.

6. Healthcare infrastructure licensing. Organizations paying us directly so the people they serve don't have to. ChatRx has been named a proposed healthcare navigation technology vendor supporting Indiana's Region 1 GROW rural health initiative and is working through contracting now. Region 1 is allocated $13 million in Year 1 and approximately $65 million over the five-year program, with a proposed ChatRx role covering virtual care across all seven counties, QR access points at community sites, free symptom assessment with $25 self-pay treatment, and a voucher-based care system for Medicaid and Medicare patients. If executed, it would be our first licensing agreement. It has not been executed, and no organization pays ChatRx a license fee today.

The first three are consumers paying for their own care. The last three are organizations buying access for the people they serve.

All six revenue streams point in the same direction. Same technology, same mission.

Why Now

Four forces are converging, plus a fifth that just arrived.

1. Rise of cash-pay healthcare. More people are paying for care directly, and direct primary care alone is projected to more than double by 2033. Consumers know what they need and demand fair prices.

2. Physician shortage. The Association of American Medical Colleges projects a shortfall of up to 86,000 physicians by 2036. (Source: AAMC, 2024) The rural Great Lakes already feels it.

3. Virtual care normalized. Virtual care is no longer novel. Patients now expect it, and asynchronous care fits how people actually live.

4. AI scales physician capacity. AI-assisted intake lets physicians safely see more patients without adding headcount. ChatRx is working proof: asynchronous, physician-led, and profitable on every visit.

5. Federal rural health funding. Federal rural health funding is flowing to Indiana. ChatRx has been named a proposed vendor supporting Region 1. Nothing is signed yet.

The Team

Dr. Tod Stillson, Founder & CEO. Thirty years in rural family medicine. Butler, Notre Dame, and IU. FDA Class I device creator. Chief product architect and president of ChatRx Medical Group. #1 Physician in Marshall County (Plymouth Pilot, 2026). Clinical lead for ChatRx's proposed Indiana GROW role. Named a 2026-2027 RockHealth.org Innovation Fellow.Indiana GROW Grant clinical lead.

Rajeev Ratra, CMO/CXO & fCIO. Operating partner to Dr. Tod Stillson. Growth marketing, demand generation & customer experience, plus info systems & AI adoption. 20+ years in DTC & B2B marketing. 14 years of enterprise tech at JPMorgan, Deutsche Bank and US Trust. Former AI fitness + genomics startup founder. 5 languages.

Dr. John Stillson, Fractional Chief Medical Officer + Chair, MAC. Dual board-certified in family and lifestyle medicine. Extensive emergency and acute care experience. Chairs the ChatRx Medical Advisory Council and also serves as Fractional Chief Medical Officer.

Nate Bachtel, Co-Founder & Fractional CTO. Responsible for technology, security, and scalability. Entrepreneur with 20+ years of experience building secure digital platforms and helping organizations leverage technology for growth.

Jeff Cutler, Fractional CCO. 30+ years scaling digital and consumer healthcare marketplace companies. Former commercial leader at Ada Health, TytoCare, and Vitals with expertise in patient engagement, AI-driven symptom assessment, triage, telehealth, virtual care, and B2B2C growth.

Extended team: G.N. (Fractional COO), A.C. (Fractional CFO), Sara Stillson, RN (Content & Clinical Review), Mark Ringenberg (Executive Director, Ambassador Program), Hannah Puglisi (Marketing Tech & Copy).

As Seen In

1. WSBT 22 News (June 2025): Ribbon cutting and platform launch
2. WSBT 22 News (2026): AI-assisted patient intake article
3. KevinMD: Dr. Stillson's thought leadership content
4. Plymouth Pilot: Revolutionizing on-demand urgent care
5. Healthcare IT News: Valuable lifeline for rural primary care patients
6. Local radio coverage and podcast appearances

Where the Capital Goes

Marketing & Expansion (45%) Patient acquisition campaigns, brand growth, and new state launches. Funds scaling Google Ads beyond the current $5-6K monthly spend, expanding hyperlocal outreach, and activating three new states from our existing licensure.

Technology (35%) Platform infrastructure, AI-assisted intake improvements, and product development. Funds an expanded conditions library, the launch of individual and family memberships, direct-to-consumer lab testing, and the partner-facing tooling that pharmacies, schools, and employers need to hand patients to us cleanly.

Partnerships (20%) Provider networks, integrations, and channel relationships. Funds pharmacy onboarding, the schools and universities pipeline, and implementation readiness for Indiana's Region 1 GROW initiative.

The SAFE in Plain English

You're not buying stock today. You're buying the right to convert into stock at our next priced funding round, at favorable terms set today.

That's what a SAFE (Simple Agreement for Future Equity) is.

Early Bird Tier (first $100,000, now closed): $10 million valuation cap with a 20% discount.

Main Tier (remaining $400,000): $12.5 million valuation cap, no discount. Your investment converts at the $12.5M cap upon ChatRx's next round.

If our next round (Series A) happens at a $25M valuation, an Early Bird $100 effectively buys 2.5x the equity of someone investing at that time. Main Tier investors get 2x. If the next round is $50M, Early Bird gets 5x, and Main Tier gets 4x.

You don't pay quarterly. You don't pay annually. You don't pay back the investment. You become a part-owner when ChatRx raises its next round, at terms locked in today.

That's the SAFE. Simple.

Our $12.5M Cap

I'll address this head-on because investors keep asking, and they're right to.

We're fifteen months in with $60K+ in cumulative revenue. Urgent care volumes peak in winter and dip in summer. Against a $12.5M cap, that math looks off.

I get it.

Here's what you're buying:

Slope, not absolute. Monthly volume is 8x what it was at launch. The slope is the asset, not the dollar amount in the bank today.

A regulatory and IP moat. FDA Class I registered, LegitScript certified, HIPAA compliant, patent pending, with licensure across seventeen states between Dr. John and me. That stack took eighteen months to assemble. Most startups never finish it.

Distribution already live. 15 pharmacy partners across three states. 4C Health launched in July with 500+ employees. Seven northern Indiana school corporations. Marian University Plymouth integrates with Student Health beginning fall 2026. And we're a proposed vendor supporting Indiana's Region 1 GROW initiative, working through contracting now.

Unit economics that work. Under $20 to acquire a patient at a $25 visit. 28% repeat visit rate. The model is profitable per visit. We need to keep adding visits.

The cap is your protection. If our next round comes in at $40M, your $100 converts at $12.5M. You'd own roughly 3x what a Series A investor owns for the same money.

Independent validation. Rock Health, one of digital health's most established institutions, named Dr. Tod a 2026-2027 Innovation Fellow. They select a small number of founders nationally each year

Before You Invest

I'm a doctor, not a venture capitalist. So let me be straight with you about what you're looking to get into.

ChatRx is a startup. Startups fail. Even good ones with great missions fail. We've completed 6,600+ assessments and monthly volume is 8x what it was at launch, but that doesn't guarantee anything. Healthcare is hard. Insurance companies are bigger than us. Regulations change. Markets shift.

If you can't afford to lose this $100, don't put it in. Save it for groceries or a tank of gas. We mean that.

If you can afford the risk and you believe healthcare should cost less and be easier to get, we'd love to have you join us. We have been, and we're going to keep working hard to make this succeed. We'll do it with the same care I've brought to my patients for thirty years.

Either way, thank you for reading this far.

-Dr. Tod Stillson, CEO & Founder, ChatRx

Invest in ChatRx Today

Thirty years of medicine taught me that the system won't fix itself. So we're fixing it.

You can become a part-owner of ChatRx for $100. That's less than the cost of two urgent care visits.

$100 minimum investment | $12.5M cap | Closes 16 November 2026

Disclaimer

Certain information set forth on this page contains "forward-looking information," including "future-oriented financial information" and "financial outlook," under applicable securities laws. These are not guarantees of future performance and undue reliance should not be placed on them. Such forward-looking information necessarily involves known and unknown risks and uncertainties, which may cause actual performance and financial results in future periods to differ materially from any projections of future performance.

Statements regarding future state expansion, partnerships, revenue projections, planned product features, and planned revenue streams are forward-looking and subject to operational, regulatory, market, and competitive conditions.

All investments involve risk, including the potential loss of capital. Investments in private companies are highly illiquid and may result in the total loss of capital. The valuation cap and discount terms of this SAFE do not represent a guarantee of return or future valuation.

ChatRx is not a substitute for emergency care, hospital-level treatment, or in-person evaluation when clinically indicated. Patients with symptoms requiring urgent or emergency medical attention should call 911 or go to the nearest emergency department. ChatRx services are currently available only in Indiana, Illinois, and Michigan.