Like any health plan, you will pay a monthly premium for coverage. However, unlike other health plans, with Start you will pay upfront, or “self-pay,” for eligible service and be reimbursed a set rate.

Providers often offer a lower rate for services when they are not billed through insurance. When visiting the doctor’s office, simply stay you are self-paying and use your Start Benefit Card to pay for the service. Don’t forget to ask for an itemized receipt!

Users will pay for services with their Start card which can pay from HSA funds or the desired account set in the user’s preferences.

With Start, your deductible and max out-of-pocket amounts are the same. Start will apply 100% of the Reimbursable Amount to your deductible/MOOP before it is met. Once you have met your deductible/MOOP, 100% of the Reimbursable Amount will be credited to you and you will be responsible for the remainder if the amount paid exceeds Start’s reimbursement amount.

Your Start policy will include all covered procedures and services. You will also be able to use the search function in your Find Care dashboard to search for covered procedures and view the Start Reimbursable Amounts for each. For complex procedures, call us at (800) 894-9454

Your Start Benefit Card can draw from both your Start HSA or a preferred checking account (set by your Account Ordering preferences). After you swipe, an expense will be automatically generated in your Start Account. You must upload an itemized receipt for any services received within 90 days of your service date. If you use another payment method, simply upload your itemized receipt in your Start Account.