The Best Care at The Best Price

Experience the freedom to choose any provider, with benefits that reward smart, cost-conscious healthcare decisions.

Smart Choices, Big Savings

With Start Health, you’re in control. Choose any provider, pay cash at the time of service, and receive fixed benefits for eligible services. Members can stretch their dollars further by using savings tools like comparing Start Health benefit rates in their Member Portal, shopping for the best cash prices, paying tax-free with an HSA, and using free telemedicine whenever possible.

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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 fixed benefit rates that provide more predictable costs in a healthcare system known for wide price variation. Members can easily search benefit rates in the member portal and compare them with provider cash prices to find the best value for care.

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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.

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Get Added Peace of Mind with Start Shield

While your Start Health benefits are designed to be in line with providers' cash rates, sometimes your Start Health benefit may not fully cover what your provider is willing to accept. That's where Start Shield comes in.

Start Shield is designed to work alongside your Start Health plan by helping address eligible amounts that remain when a provider's charges exceed your Start Health benefits.

If you receive a bill that's higher than your Start Health benefits:

  • Our team reviews the charges for accuracy.
  • We work directly with the provider to negotiate a lower price on your behalf.
  • If a significant balance remains after negotiation, Start Shield may provide additional financial assistance to help limit your out-of-pocket costs.

When does Start Shield apply?

Emergency Care

  • Automatically eligible for Start Shield assistance.

Planned Procedures

  • A Pre-Bill must be submitted before receiving care to be eligible for Start Shield consideration.
  • Whenever possible, planned care should be performed with a preferred provider.

Financial assistance is determined on a case-by-case basis in accordance with the Start Shield Terms of Service.

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