Glossary
Start Speak
Benefit Amount
The benefit amount refers to the defined amount Start covers for each procedure.
REIMBURSEMENT PREFERENCES
Your reimbursement preferences refer to the means by which you prefer to receive reimbursement for medical expenses. Start offers three different ways you can be reimbursed for an expense (after meeting your deductible):
1. HSA Contribution*
2. Premium Credit
3. ACH Payment / Credit
*If you have reached your HSA limits for the year, your reimbursement will automatically be credited to you as a premium credit. Once HSA limits are reached, you may select ACH Payment / Credit if you prefer.
ACCOUNT ORDERING
Account Ordering refers to your Start Card payment preferences. Because your Start Card allows you access to both a personal banking account of your choice and your Start HSA, you are able to choose from which account you want your Start Card to pull funds from.
START CARD
Your Start Card is your pre-paid debit card that can be used to pay for qualified medical expenses. It acts much like any debit card, however, you can access both, a desired bank account and HSA funds using your Start Card.
HSA (HEALTH SAVINGS ACCOUNT)
An HSA, or Health Savings Account, is a tax-advantaged medical savings account. The funds contributed to an account are not subject to federal income tax at the time of deposit.
ITEMIZED RECEIPT
An itemized receipt, in the context of Start, is a detailed receipt of medical services received upon a member’s visit. Itemized receipts are required to get reimbursed by Start, and must contain the following information:
• Patient’s full name
• Provider’s name and address
• Date(s) of service
• Charge amount(s)
• CPT / Procedure code(s)
• Prescription drug(s) name, form, strength
and dosage or NDC code.
FAIR PRICE
The Fair Price for a procedure is the calculated average cost of a procedure (not including any other additions to treatment). The Fair Price allows you to compare the Start Reimbursement to the average price of the procedure and better find the best care at the best price.
PRE-AUTHORIZATION (AKA "PRE-AUTH")
A pre-authorization is an expense, or planned procedure, that requires prior authorization from Start to be processed when the expense amount exceeds $2,000.
To acquire pre-authorization for a service or procedure exceeding $2,000, you will submit a pre-auth request in your Start account.
Pre-Bill
A pre-bill is an estimation for your medical procedure from your doctor. It’s as simple as that.
Premium
The amount you pay for your health care coverage every month.
START REIMBURSEMENT (AKA "START PAYS")
Your Start Reimbursement is the fixed rate at which Start will pay for a procedure. Unlike other health plans, you will pay upfront for eligible services and then be reimbursed at the determined set rate for a given service or procedure.
MEDICALLY NECESSARY
As per your Start policy, Medically Necessary refers to the necessity of medical services received. If it is determined that a service was provided that is not deemed medically necessary, you may not receive reimbursement.
A common example of this would be cosmetic procedures.
