Apta Cash
Healthcare is too important to do alone.
Unlimited primary care. Expert guidance. A team that steers employees toward better care, and your company toward real savings.
What members are used to
“I can’t afford to use my insurance”
“My deductible is so high it’s basically useless”
“I waited weeks for this appointment just to get rushed”
“I got a surprise bill months later”
“I don’t know who to call”
“I’m sick but I can’t afford my out-of-pocket”
“They said it was covered and now it’s not”
“I feel like I’m getting screwed”
What it's like with Apta Cash
"With the Care team, I save one number in my phone, get the help I need, and pay almost nothing out of pocket.”
Apta Cash is a healthcare program that gives every member unlimited access to a primary care doctor online who manages their entire care journey. This is far more than an annual checkup. Members have complete access to their Care team, which includes primary care providers, nurses, and concierge support. Primary care providers handle up to 90% of member care including chronic conditions, routine care, and even some specialty needs.
For anything that can't be handled by a primary provider, the Care team will negotiate direct cash prices for medical procedures with qualified providers. This means members aren’t limited to providers within a particular network. If providers accept cash payments, we can work with them.
The Apta Cash model delivers meaningful value across the board.
Members receive better care with low or no out-of-pocket costs.
Employers benefit from lower costs, fewer claims, and stable renewals.
Providers love getting paid at the time of service (instead of waiting 90+ days from traditional insurance), so they offer cash discounts.
Consultants can offer a high-performance solution to their clients.
Traditional Insurance | vs | Apta Care |
|---|---|---|
Wait weeks for rushed 7-10 minute visits | Appointment Access | 24 Hours access, 30-45 minute visits |
You're on your own | Care Navigation | The Care team handles ~95% of care |
Surprise bills and mystery charges | Billing Transparency | Negotiated cash prices, no billing |
Confusing, costly, unavoidable | Co-Pays & Deductibles | $0 - Nothing out-o-pocket |
Must stay "in-network" or pay more | Provider Networks | No network restrictions |
Claims. Denials. Deductibles. Delays. | Major Procedures | Discounted pricing & no billing |
Fragmented & Impersonal | Health Outcomes | Deep doctor relationship = Better Results |
High for both employers & employees | Monthly Premiums | Low or no cost for employees |
Reactive care & cost-shifting | Focus | Proactive, Transparent, Preventative |
Often $8,000+ per person | Out-of-Pocket Maximum | $0 - There is no max |
