CAPTIVES
Apta Cash
Everywhere else gives a cash discount. Why not healthcare?
Apta Cash works with any health plan, helping members pay little to nothing out of pocket for high-cost procedures by negotiating direct cash prices through our proprietary payment platform. Powered by a team of experts.
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Navigating cash pay and the healthcare system shouldn’t be a DIY project. It’s important to have an expert on your side who knows which providers to trust, how much things should cost, and how to negotiate claims.
How it Works
Data analytics + proprietary fintech that facilitates all the payments
The Old Way
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Member schedules shoulder surgery
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Hospital bills $24,000
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Insurance "discounts" the price to $16,000
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Member owes $4,500 out of pocket
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Employer absorbs a $11,500 claim
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There’s still a possibility of additional bills after the procedure
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Provider waits 90+ for the claim to be resolved and to get paid
The Apta Cash Way
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Member contacts Apta Cash ten business days before surgery
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Member quoted for a $24,000 procedure
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We negotiate a $7,800 cash price directly with the provider. That’s a savings of $3,700 to the employer
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Our team pays the provider through our proprietary cash payment system on the day of the procedure
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Member pays $0 out of pocket and saves $4,500
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Provider avoids administrative burden of tracking payment
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Member, employer, and provider win
Real Apta Cash Negotiations
Service | Average Insurance Cost | Apta Cash | Savings |
|---|---|---|---|
Corneal Cross Linking | $9,719 | $7,299 | $2,420 |
SPECT / CT Imaging | $2,937 | $550 | $2,387 |
Vasectomy | $1,096 | $759 | $337 |
Hip Replacement | $28,950 | $18,810 | $10,140 |
