Healthy and overpaying for insurance?

Start Health is a reimbursement plan—not traditional insurance. We reimburse fixed amounts based on care received. This approach gives you the freedom to choose any provider, and shop for care that best fits your needs and budget by comparing providers’ cash prices with our reimbursement rates.

What makes Start Health unique is that it is designed to be HSA-eligible*, allowing you to pay for care tax-free through your Start HSA Card. This combination of flexibility, transparency, and savings creates an extraordinary benefit for our members.

A reimbursement plan, or fixed indemnity plan, is a type of health plan where you pay for care upfront—often at discounted cash rates—and then your health plan pays you back at set rates based on care received (regardless of your provider’s charges).

With Start Health, you pay for care on the date of service with your Start HSA Card or a payment method of choice, then submit your itemized bill for reimbursement.

Preventive care is reimbursed right away, and once your deductible is met, Start Health reimburses you directly. This approach puts you in control of your care, helping you choose where to go, pay less, and save more.

What makes Start Health unique is that it is designed to be HSA-eligible*, allowing you to pay for care tax-free through your Start HSA Card.

Start Health is best suited for healthy individuals who want to lower their healthcare costs without sacrificing coverage. It’s particularly beneficial for those who do not qualify for significant subsidies through the marketplace and are looking for an affordable plan that provides comprehensive coverage, flexibility, and the ability to take advantage of tax-advantaged HSA savings.

Start Health is not the best fit for individuals who are managing ongoing health conditions, as we keep costs low by offering this plan to those in good overall health.

Yes, your Start Health plan is designed to be HSA-eligible*. It meets IRS and Department of Insurance (DOI) requirements for High Deductible Health Plans (HDHPs), including covering preventive care pre-deductible. While our plan doesn’t follow the traditional out-of-pocket maximum structure, once your deductible is reached, Start reimburses 100% of eligible healthcare costs at our set rates. This design offers strong financial protection and meets the criteria for HSA eligibility, allowing you to contribute to and use a Health Savings Account.

To get reimbursed for an eligible medical expense under your Start Health plan, you will need to create your Start Member Account and get an itemized bill from your provider. Once you have done that, you will create an expense within your Member Portal and upload a picture of your itemized bill within 90 days of the date of service.

Note: Your itemized bill will need to include a certain level of detail about your visit which includes:

• Patient’s full name
• Provider’s name and address
• Date(s) of service
• Charge amount(s)
• CPT / Procedure code(s) (Also known as Service Code(s))
• Diagnoses code(s)
• Prescription drug(s) name, form, strength and dosage or NDC code

Once approved, your reimbursement will go toward your deductible if it’s not been met. After that, reimbursements go to you. Preventive care is reimbursed to you pre-deductible.