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Healthcare · head to head

Flo vs Included Health

Flo logo

Flo

Healthcare

Period and cycle tracking app that settled with the US FTC in 2021 over sharing health data with third parties despite promising not to

From
Free
Rated
-
Full reviewWebsite
Included Health logo

Included Health

Healthcare

Care navigation and virtual care in one contract for self funded employers and health plans

From
On request
Rated
-
Full reviewWebsite

The short version

  • Only Flo has a free tier, so it costs nothing to try first.
  • Each has a real cost: Flo flo Health settled with the US FTC in 2021 over allegations it shared sensitive health data, including pregnancy and menstruation details, with Facebook, Google and other third parties despite telling users the data would stay private, a fact directly relevant to how much a user should trust current privacy claims without independently checking the published policy.; Included Health owning both the navigation recommendations and the virtual care delivery creates a structural incentive to steer members to the vendor own clinicians, and an employer should require disclosure and measurement of how often that happens.
  • They diverge on capability: Flo covers Cycle and ovulation tracking, Included Health covers Care navigation.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Flo and Included Health actually diverge.

Attributes where Flo and Included Health differ
AttributeFloIncluded Health
Starting priceFreeOn request
Pricing modelFree with a Premium subscriptionquote
Free tierYesNo
PlatformsiOS, Android, WebWeb, iOS, Android

Identical on both: user rating (Not yet rated), category (Healthcare).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Flo

  • Cycle and ovulation tracking
  • Pregnancy mode
  • Anonymous Mode
  • Symptom and mood logging
  • Expert content library
  • Community and forums

Only in Included Health

  • Care navigation
  • Provider quality steerage
  • Expert medical opinion
  • Virtual primary care
  • Virtual behavioural health
  • Virtual urgent care
  • Benefits integration
  • Employer reporting

What people use each for

The jobs each tool is most often brought in to do.

Flo

  • Someone tracking cycle and ovulation who wants to weigh app convenience against the sensitivity of the data being loggednot Included Health
  • A user in a jurisdiction with legal risk around reproductive health data who wants to check Anonymous Mode and current data sharing policy before logging pregnancy or fertility attemptsnot Included Health
  • A buyer wanting to compare Flo directly against Clue on published data practices before choosing which app to trust with this informationnot Included Health
  • Someone who wants pregnancy tracking content alongside cycle tracking in one app rather than switching apps mid-pregnancynot Included Health

Included Health

  • A large self funded employer whose members cannot tell which specialist to see and who currently absorbs the cost of poor referral decisionsnot Flo
  • An employer that has bought several point solutions and needs one front door that routes members to the ones already paid fornot Flo
  • A self funded plan wanting expert second opinions before high cost elective surgery, where a changed recommendation pays for the programmenot Flo
  • An employer replacing separate navigation and telehealth vendors with one contract and one member experiencenot Flo

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Flo

  • Flo Health settled with the US FTC in 2021 over allegations it shared sensitive health data, including pregnancy and menstruation details, with Facebook, Google and other third parties despite telling users the data would stay private, a fact directly relevant to how much a user should trust current privacy claims without independently checking the published policy.
  • Reproductive health data, including logged periods, fertility attempts and pregnancy status, has been the subject of law enforcement data requests in some jurisdictions following changes to reproductive rights law, and cloud-stored logs are a real category of exposure regardless of a vendors intentions.
  • Anonymous Mode, the privacy feature introduced after the settlement, is a setting that must be checked and understood rather than assumed, and its exact scope and default status should be verified in the current privacy policy rather than taken from marketing copy.
  • Free tier predictions rely on self-reported symptom data and general population models, so accuracy for irregular cycles or specific medical conditions is limited compared with clinical tracking.
  • The subscription auto-renews and, like most mobile subscriptions, must be cancelled through app store account settings rather than inside the app itself.

Included Health

  • Owning both the navigation recommendations and the virtual care delivery creates a structural incentive to steer members to the vendor own clinicians, and an employer should require disclosure and measurement of how often that happens.
  • Pricing is per employee per month across the whole eligible population, so a plan with low navigation engagement pays for everyone to serve the minority who call.
  • Savings claims rest on avoided costs and changed referral decisions, which are counterfactual by nature, so performance guarantees need very careful definition or they measure activity rather than money.
  • The company is a merger of three organisations with different origins, and members and benefits teams still encounter seams between navigation, virtual primary care and behavioural health that the single brand implies are absent.
  • It sells primarily to large self funded employers, so mid market employers and fully insured plans find both the pricing and the implementation effort disproportionate to their size.

Pricing, plan by plan

Flo

Free
  • Flo Premium$11.99/month
    • Free tier covers core cycle tracking, predictions and symptom logging
    • Premium adds deeper personalised insights and expert content, around $11.99 a month
    • Annual and lifetime purchase options typically offered at a lower effective rate

Included Health

On request
  • Included Health$undefined/year
    • Per employee per month across the eligible population, quoted not published
    • Navigation and virtual care modules priced separately or bundled
    • Some components offered with performance guarantees tied to measured savings

Which should you pick?

Choose Flo if

  • You need cycle and ovulation tracking.
  • You want to start without paying.
  • You work on iOS, Android, Web.
  • You also want pregnancy mode.
Flo review

Choose Included Health if

  • You need care navigation.
  • You work on Web, iOS, Android.
  • You also want provider quality steerage.
Included Health review

Questions people ask

Is Flo or Included Health better?
Neither clearly leads. Flo starts at Free and Included Health at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Flo or Included Health?
Flo has a free tier; the other does not. Paid plans start at Free for Flo and On request for Included Health.
Does Flo or Included Health run on more platforms?
Flo runs on iOS, Android, Web. Included Health runs on Web, iOS, Android.
Can I use Flo for free?
Yes. Flo has a free tier, so you can try it without paying. Included Health starts at On request.
What is Flo best used for?
Flo is most often used for someone tracking cycle and ovulation who wants to weigh app convenience against the sensitivity of the data being logged, a user in a jurisdiction with legal risk around reproductive health data who wants to check anonymous mode and current data sharing policy before logging pregnancy or fertility attempts, a buyer wanting to compare flo directly against clue on published data practices before choosing which app to trust with this information, someone who wants pregnancy tracking content alongside cycle tracking in one app rather than switching apps mid-pregnancy. Of those, someone tracking cycle and ovulation who wants to weigh app convenience against the sensitivity of the data being logged and a user in a jurisdiction with legal risk around reproductive health data who wants to check anonymous mode and current data sharing policy before logging pregnancy or fertility attempts are not what Included Health is typically brought in for.
What can Flo do that Included Health cannot?
Flo covers Cycle and ovulation tracking, Pregnancy mode, Anonymous Mode, Symptom and mood logging. Included Health covers Care navigation, Provider quality steerage, Expert medical opinion, Virtual primary care.

Answered from the vendors’ own pages

Flo: What happened with the FTC in 2021?

The US FTC alleged Flo Health shared sensitive health data, including pregnancy and menstruation details, with third parties like Facebook and Google despite promising to keep it private. Flo settled without admitting liability, agreeing to obtain consent for future sharing and to an independent privacy review.

Included Health: What exactly is Included Health?

The combination of Grand Rounds Health navigation, Doctor On Demand virtual care and the original Included Health concierge service, operating under one brand since late 2021.

Flo: What is Anonymous Mode?

A privacy setting Flo states disconnects entered health data from an identifiable profile. Check the current app and privacy policy for whether it is on by default or must be turned on manually, since this affects what data is linked to your identity.

Included Health: Who pays for it?

The self funded employer or the health plan pays a per employee per month fee. Virtual care visits may also carry member cost sharing depending on plan design.

Flo: Is Flo free?

Core cycle tracking and predictions are free. Deeper personalised insights and expert content require Flo Premium.

Included Health: Is there a minimum size?

No published minimum, but it sells primarily to large self funded employers and the pricing and implementation effort do not suit small organisations.

Included Health: How does it recommend providers?

Through data driven quality analysis rather than a plain directory. Ask specifically how those recommendations are produced and how often they resolve to the company own virtual clinicians.

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