Smarter. Simpler. Transparent Care.
Lower premiums, no networks, HSA ready, and a straightforward way to pay for care.
Lower Premiums
We typically can save you 50%+ on premiums.
No Networks
See any doctor including your current one.
HSA Ready
Save tax-free for tomorrow’s health expenses.
Simple & 100% Transparent
Pay up front, upload a receipt, and you’re done.
How Start Health Works
Know Before You Go
Knowing the cash price ahead of time helps you compare providers and make informed choices. Compare cash prices with Start Health’s reimbursement rates to find the best value. You can often get high-quality care at trusted, lower-cost providers.
See Any Provider
Start Health lets you see any doctor—no networks, no restrictions. Some providers may be more cash-pay friendly than others, so calling ahead for pricing is smart. Need help? We’re happy to point you to the right options.
Pay For Care
Tell your provider you're a self-pay patient on a reimbursement plan. Pay with your Start HSA Card or any method you prefer. Make sure to ask for an itemized bill—it’s required for reimbursement.
Submit an Expense
Create an expense in your Member Portal and upload a photo of your itemized bill within 90 days. Once approved, your reimbursement will go toward your deductible if it hasn’t been met. After that, reimbursements go directly to you. Preventive care reimburses to you even before the deductible.
