CAPTIVES
APTA GUARDIANSHIP
A COMPREHENSIVE CASH-CENTRIC MODEL
The Apta Guardianship 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!
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​The comprehensive Apta Guardianship 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 Guardianship 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
WHAT IF A PROVIDER DOESN'T ACCEPT CASH PAYMENT?
Apta’s Guardianship 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?
