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Innovative Self-funded Programs for Every Employer
 

Apta Health helps employers lower healthcare costs and improve employee outcomes through innovative self-funded solutions, real-time analytics, optimized stop-loss strategies, and modern cash-pay programs. 

Everything you need to run the best alternative health program. 

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guided healthcare support helping employees navigate benefits.

95% Satisfaction Rate

Sustainable Renewals averaging -6% to 3.75%

Over $100 million delivered in savings

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Guided Healthcare™

Guided Healthcare™ is what it sounds like. Someone (a real person based in the U.S.) guiding you through your healthcare journey. Helping you with everything from scheduling appointments and replacing lost ID cards to understanding your bills and helping you find a provider.

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A proprietary analytics and cash-pay cost-containment platform for self-funded employers, using claims intelligence, price transparency, Medicare benchmarking, and guided member navigation to lower plan spend and improve fiduciary oversight.

Our Programs

 
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The best alternative healthcare program. 

Members get unlimited access to primary care providers and support from their Care team to access discounted, negotiated cash prices for medical procedures.

Who this is for:
Businesses
with 3 to 10,000+ Employees
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Gives members a real person to help them navigate the healthcare system.

Care Coordinators help with claims, appointments, and questions while clinical teams handle care decisions.

Who this is for:
Businesses
with 75 to 10,000+ Employees
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A fully customized and unbundled self-funded solution designed around each employer’s unique needs. Choose from a variety of best-in-class components to create a cohesive strategy that maximizes value and performance.

Who this is for:
Businesses
with 75 to 10,000+ Employees

Complete your healthcare strategy with these additional solutions:

business people looking at measurable healthcare savings and renewal performance.

Apta Cash

Helps members pay little to nothing out of pocket for high-cost medical procedures. A dedicated team negotiates discounted cash prices directly with providers through our proprietary cash payment platform. 

Who this is for:
Businesses with
75 to 10,000+ employees

Apta Rx

This is a next-generation prescription strategy built to eliminate misaligned incentives and reduce pharmacy costs. With specialty strategies, alternative sourcing, and independent clinical oversight, it gives employers control over spend while ensuring members access affordable, high-quality medications.

Who this is for:
Businesses with
3 to 10,000+ employees

Apta Connect

Our proprietary analytics platform powers self-funded plans from end to end, bringing stop-loss strategy, plan performance, and cost insights together in one place. It shows what’s driving medical and pharmacy spend and helps teams make changes that improve care and financial outcomes.

Who this is for:
Consultants who want better stop-loss placement and clearer guidance on plan performance.

Apta Captive

Apta Captive is an employer-owned alternative to traditional stop-loss that lets companies share risk, protect against large claims, and keep savings when the plan performs well.


Employers benefit directly when healthcare costs are well managed.

Who this is for:
Businesses with
50 to 5,000 employees
“I love you guys! It’s amazing the difference! What they billed with my old insurance versus what I paid yesterday was amazing! So, I am so grateful. Thanks for doing what you do!”
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