Less insurance complexity. Better care.
The way health insurance should be.
SmartHealth combines modern level-funded health plans, direct provider payments, and concierge care coordination to deliver $0 care for members while helping employers dramatically reduce healthcare costs.
Employers often reduce healthcare costs by 30–60% while employees gain benefits like $0 copay and deduductables.
Why employers are rethinking healthcare
The problem
Employers keep paying more for healthcare while employees still face co-pays, deductibles, and confusing billing.
SmartHealth changes the model—combining modern level-funded plans, direct provider payments, and concierge care to remove waste and restore simplicity to healthcare.
Big time benefits
Lower Employer Costs
SmartHealth plans commonly reduce employer healthcare spending by 30–60% through smarter plan design and direct provider pricing.
$0 Care for Members
Employees can access many medical services with no co-pays or deductibles, improving care access and eliminating financial barriers.
Concierge Care Coordination
Dedicated care coordinators guide members to the best care options while helping them navigate appointments, providers, and treatment decisions.
Same-Day Provider Payments
Providers receive payment directly from the employer after treatment—eliminating billing confusion and reducing administrative delays.
Open Network Infrastructure
SmartHealth connects employers directly with health systems and providers, reducing medical spend while improving transparency.
Fully Integrated Platform
From enrollment to payment, SmartHealth unifies plan design, claims processing, care coordination, and provider payments into one seamless system.
Let’s Build a Better Health Plan
Start with a quick strategy call. We’ll walk through your current plan, show how SmartHealth works, and estimate how much your business could save.
General Questions
Smart Health provides dedicated, personalized support designed to help members better manage their healthcare costs. We pay providers directly and promptly for services delivered to our members.
With same-day payment available upon request and $0 deductibles for members, Smart Health creates a faster, simpler billing experience for everyone involved.
You can contact the Concierge at any time for:
- Questions about your benefits
- Help during a clinic or hospital visit
- Billing concerns
- Prescription assistance
- Provider questions
If you experience an issue during an appointment, call 877-763-4955 for real-time support.
SMART Health covers services eligible under your employer’s major medical plan.
If your primary health plan covers the service, SMART Health will cover it as well. Some employers may elect to include additional benefits.
Refer to your benefits guide for specific coverage details.
Yes.
SMART Health works with providers who accept direct payment or cash-based transactions. This includes most clinics and physicians.
If a provider has questions, our Concierge team will assist them.
Your cost depends on your specific plan design.
For most copay plans, members typically have:
- $0 copay
- $0 deductible
Please review your benefits guide for your exact plan details.
SMART Health negotiates directly with providers to secure meaningful cost savings.
A portion of those savings is passed on to members in the form of reduced out-of-pocket costs.
Yes.
Hospitals accept SMART Health and often receive competitive reimbursement through our direct payment model.
If you experience any issues, contact the Concierge immediately.
For Tier 1–3 prescriptions, use the pharmacy benefit information on your member card.
For Tier 4 or specialty medications, contact the Concierge. We will coordinate support and help you access your medication.
You can access your card through the online member portal.
If you need assistance, call the Concierge at 877-763-4955.