A fresh approach to health benefits
A fresh approach to health benefits
We combine a level-funded model with advanced stop-loss protection and direct provider payment for $0 copays and $0 deductibles on eligible care. Members just show their card, with our dedicated Smart Health Concierge there if they need help—no disruption required.
Trusted benefits for thousands of employees, families, and individuals.
Rising premiums, limited plan flexibility, and a lack of transparency force you to shift costs to your team. They pay high deductibles just to use the benefits you provide.
Lower costs. Less waste. Better care.
Visit any doctor, hospital, or specialist with no network restrictions.
Members show their card for care, and our Smart Health Concierge steps in whenever a provider or bill needs help.
Instead of inflated insurance pricing, we negotiate fair, cash-based rates using our data and provider relationships.
Those savings are passed to you, so common services come with $0 copays and $0 deductible.
SmartHealth pays providers directly at negotiated or fair-market rates, avoiding insurance markups.
We pass those savings on to members as reduced out-of-pocket costs that result in $0 care for eligible doctor visits, procedures, labs and more.
Maintain the same coverage, network, and experience your team already knows, coupled with dramatically lower premiums. It's the same plan, minus the waste.
We pay providers directly and promptly for services delivered to our members, creating a faster, simpler billing experience.
Go where you need, get the care you want, and let SmartHealth handle everything else. Got questions? Simply call 877-763-4955 for support with the SmartHealth concierge team.
Members show their SmartHealth card at the visit, like any health plan card, with no need to call first. The provider works with SmartHealth to get paid, and we pay promptly, avoiding the insurance billing maze. If an office has trouble with the card, the Concierge helps, and if a member ever has to pay, we reimburse eligible expenses, usually the same day or within 24 to 48 hours.
Because SmartHealth pays providers directly, there are no mystery bills or confusing statements. Eligible care is $0, with no deductible to meet (HSA plans have their required deductible first).
Learn how our level-funded model helps companies save thousands each year—without cutting pay or benefits.
Smart Health leverages the same negotiating power as America’s top companies, offering mid-market employers access to deeply discounted healthcare rates. Our self-funded model with advanced stop-loss eliminates unnecessary intermediaries, reducing healthcare costs by 30–60%.
Traditional plans force you into carrier constraints. Smart Health is a health plan you can shape around your workforce’s needs—complete with top-tier provider access and modern health benefits. It is easier to administrate and a win for the business.
Stop flying blind. Smart Health provides real-time data and analytics on costs and usage, giving your CFO the insight needed to manage risk strategically. You finally see exactly where your healthcare dollars are going.
Most Smart Health plans use existing national networks, so you’ll keep your current doctors and access care just like before. You can still see the same providers, and you’ll still have coverage for preventive care, prescriptions, specialists, and ER visits.
