The Best Care at The Best Price

Experience the freedom to choose any provider, with fixed-rate reimbursements that reward smart, cost-savvy choices.

Smart Choices, Big Savings

With Start Health, you’re in control. Choose any provider, pay cash at the time of service, and get reimbursed at our set rates. Members can stretch their dollars further by using our savings tools—searching Start rates in the portal, calling around for the best cash prices, paying tax-free with an HSA, and using free telemedicine whenever possible.

Website interface displaying medical imaging center information.

Get The Cash Rate

See a Preferred Provider

Start Health lets you see any doctor—no networks, no restrictions. While you’re free to choose, some providers are more cash-pay friendly than others. It’s smart to call around and ask for the cash price of the care you need and compare with Start’s reimbursement rates. Need help? We’re happy to point you in the right direction.

Compare Costs

Cash Rate vs. Start Rate

Start Health offers set reimbursement rates that provide predictable savings compared to the wide and often unpredictable prices charged by healthcare providers for procedures, giving you security and clarity in a system known for price variance. Plus, you can easily search our rates in the member portal to compare them with the cash prices of different providers.

Table of medical procedures with price ranges and costs
Health Savings Account Visa card mockup

Start HSA

Pay for Care Tax-Free

Using your Start HSA Card when paying for care makes healthcare more affordable and convenient. You can pay for qualified medical expenses tax-free on the day of service, keeping more money in your pocket. Combined with the ability to search providers and compare prices, your HSA card helps you get the care you need while maximizing your savings.

Free Telemedicine

Skip the Wait Lines

Start Health members can access telemedicine services at no cost, making it easy to get care from home. Whether it’s a minor illness, a follow-up, or general health questions, telemedicine lets you avoid travel, skip wait times, and cut out-of-pocket costs—all while receiving quality care from licensed providers.

Orange shield logo with white play symbol

Get Added Peace of Mind with Start Shield

Your Start Health base policy already provides comprehensive coverage on a fixed reimbursement schedule-typically 110-145% of Medicare rates. Once your deductible is met, Start Health covers 100% of eligible medical expenses up to our fixed reimbursement schedule. If your provider charges more than the reimbursement rate, you're responsible for the difference.

Start Shield helps when your provider charges more than your base policy covers, after the base policy's deductible has been met. It pays 80% of the extra costs above your base policy's reimbursement, until you reach your Max Out-of-Pocket:

  • $8,000 for individuals
  • $16,000 for families

Once you hit that limit, Start Shield covers 100% of any remaining costs beyond what your base policy pays. Start Shield only applies to in-network procedures and only after the base policy's deductible has been met. All emergency care is treated as in-network.

Quick Quote