CAPTIVES
APTA CASH GUARDIANSHIP
Healthcare costs aren’t slowing down.
But your healthcare spending can.
Switching to the Apta Cash Guardianship plan can help companies combat the rising cost of doing business, navigate inflation, and regain control over their health plan.​
We see ourselves as guardians, not only of the health of our members but also of their financial wellbeing and the overall stability of their health plan. Our Apta Guardianship program uniquely empowers members to significantly reduce medical expenses by connecting them with carefully vetted, high-quality medical providers who offer transparent and affordable cash pricing. By paying cash, members streamline care delivery, helping providers avoid the cumbersome administrative burden of medical billing, which ensures providers receive faster payments, creating meaningful benefits for everyone involved.
Our comprehensive, cash-centric health plan aims to fundamentally transform the healthcare experience by eliminating common financial barriers such as co-pays, balance billing, and unexpected out-of-pocket expenses. Through our Guided Healthcare™ approach, our dedicated Health Guardians actively direct members to exceptional care at optimal prices, providing seamless access to medical professionals via virtual consultations or direct primary care, all without additional costs to members. This strategic approach not only safeguards our members' health, but also substantially reduces healthcare spending, enabling many of our clients to offer entirely free healthcare. The result is not just healthier, happier employees, but a powerful, differentiating tool for retaining top talent.
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
Instant access to a Physician Guardian, through Virtual Primary Care with no out-of-pocket fees
Increased engagement and guidance for members through our Health Guardian 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 balance billing after service
Guardianship Team to strip away any member confusion
DO ALL PROVIDERS ACCEPT CASH PAYMENTS?
All members have the choice to present as self-pay. Most providers accept cash payments for service, but not all. Many private providers accept cash and even offer discounts. However, hospitals often have strict billing protocols and may not accommodate cash pay without prior arrangements.
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That's why it's important to work through our Apta Guardianship Team so they can advocate on the member's behalf to secure pre-negotiated, affordable care.
HOW DO I SWITCH TO THE
APTA GUARDIANSHIP PLAN?
