Start Health plans keep planned costs low by paying fixed benefit amounts for medical services. In most cases, members can find providers who accept those amounts by using cash-pay pricing or working with our Support Team. When that is not possible, such as during emergencies or situations where you cannot shop ahead, Start Shield provides added protection.

If you receive a bill that exceeds your plan’s reimbursement:

• Our team reviews the charges for accuracy
• We advocate on your behalf and negotiate with providers to reduce the total amount you owe

If a large balance remains after advocacy, Start Shield may provide additional financial assistance. Financial support is determined on a case-by-case basis and is designed to help limit your total financial exposure—similar to an Out-of-Pocket-Max.

Emergency care is automatically eligible for Start Shield. For planned procedures, a pre-bill must be submitted in advance to be eligible for Start Shield consideration. Start Shield works alongside your Start Health plan to help you manage unexpected medical bills with more confidence.

Start Shield Terms of Service