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CAPTIVES

CASH-CENTRIC

COMPREHENSIVE CASH-CENTRIC MODEL

A Cash-Centric health plan can slash medical expenses by choosing vetted, high-quality, medical providers who offer affordable cash prices for their services. Paying cash eliminates the need for time consuming administrative work, eliminates medical billing, and pays doctors faster, making it a win-win for everyone! 

The comprehensive Apta Cash Cash-Centric health plan strives to eliminate co-pays, balance billing, and frustration which are typical with most health plans. Our Guided Healthcare™ experts navigate members to the best care at the best prices with instant access to doctors through virtual or direct primary care with no out-of-pocket costs for members. 

Our friends at Union Bank & Trust give an account of their experience using Apta Cash and why employers would want to implement the Apta Cash program.

LOWER COSTS ARE JUST THE BEGINNING
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Instant access to a primary care provider, through either Virtual Private Care or Direct Primary Care with no out-of-pocket fees

Increase in plan engagement with our Guided Healthcare™ team

A debit card that is pre-loaded to ensure payment at the time of service

High-quality medical care from pre-negotiated providers

No billing after service

Guided Healthcare™ Concierges to strip away any member confusion

WHAT IF A PROVIDER DOESN'T ACCEPT CASH PAYMENT?

Apta’s Guided Healthcare™ team will always advocate for a cash payment provider with no out of pocket costs. However, if this is not possible, members can go through a traditional PPO network* or RBP Plan, but will be subject to a deductible and co-insurance.

HOW DO I SWITCH TO A CASH-CENTRIC PLAN?
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