CAPTIVES
Apta Cash
Apta Health Care Coordinators or Apta Cash Concierge?
Here's Who to Call
Your Apta Health Care Coordinators and your Apta Cash Concierge Team are different.
Apta Health Care Coordinator
Care Coordinators are your personal guide through the healthcare system. They’re here to:
-
Help you understand your benefits
-
Guide you if you need to see a specialist
​
Think of them as your partner in making healthcare decisions easier. Refer to your Benefit Guide, online portal, or ID card for your Care Coordinator contact information.
Apta Cash Concierge Team
The Apta Cash Team is focused on saving you money on major procedures. They:
-
Help cover costs for things like surgeries, inpatient procedures, MRIs, CT scans, and other medical procedures
-
Negotiate direct, discounted cash pricing with providers - with significant savings to you
-
Make sure you don’t overpay for care
Not all clients have the Apta Cash benefit, be sure to remind your Care Coordinator if you’d like to use it. They will connect you with the Apta Cash team.
An easy explanation of the Apta Cash process
Important: How to get the most out of your Apta Cash benefit
-
Call 10 business days before any medical procedure. This lets your Apta Cash Team confirm your benefits, negotiate the best cash rates, and pay your provider directly. Which helps you avoid unexpected costs.
-
Don’t bring your insurance card. For every procedure negotiated through Apta Cash, you’ll have to present yourself as a “self-pay” patient at the provider’s office. If you present your card, you may get billed twice in error.
-
Remove your insurance information. If you handed over your insurance card, let the office know you want to remove it from your file so there’s no confusion for the billing department. Then, you can present yourself as self-pay.
Presenting yourself as, “self-pay” is your right under federal and state law. The only time you can’t choose this option is if your visit has already been billed to insurance or if special rules apply (like Medicare assignments).
Bottom line: You always have the choice to present yourself as a “self-pay” patient and take control of your healthcare spending.
Quick Tips
Talk to the right team
If you want cash benefits, call the Apta Cash Concierge Team.
Precertification is required
Call your Apta Cash Concierge Team to confirm your upcoming procedure is covered.
Received extra bills?
If you receive any bills after your negotiated cash procedure, simply send them to your Apta Cash Concierge Team, they’ll take it from there.
SELF
PAY
You’re in control of how to pay.
Always present as, “self-pay” and ask to remove your insurance information so you don’t confuse the billing department and avoid getting billed twice.
