how can i use CYa?
UPDATED 12.18.23
Some of us just want to cover our asses for a reasonable price, and then have the freedom to pick and choose healthcare as we need it.
By covering your tush with CYA and going cash pay (ie pay for healthcare yourself), people save thousands of dollars per year while also preserving their freedom of choice in healthcare.
You can refer to our other post comparing costs of CYA vs traditional health insurance.
So what does going cash pay mean? Simply put, it just means you pay for heathcare services yourself vs expecting an insurance company to do it. By saving thousands per year by opting out of health insurance, you free up cash to spend on the things you value most for your health + wellness. From acupuncture to salsa dancing vacations, you know better than Big Insurance on what makes you healthy.
Cash pay works throughout the country, and guess what? Doctors LOVE cash pay. Why? Because they are guaranteed cash up front without having to bicker with an insurance billing department that denies 20% of claims. Ultimately they just wanna get paid and help you be healthy.
Let’s explore some cash pay options.
Primary Care + CYA is a winning combination for people who identify as generally healthy* who want to stay healthy AND be protected should $hit hit the fan. A great model for Primary Care we have seen is Direct Primary Care, ie, subscription to primary care through individual practices or companies like Parsley Health, Mira Health, Forward Health, One Medical and more that provide unlimited primary care services for $75-$150 per month.
There are also great self pay / cash pay search tools out there like Sesame Care and Tripment Health for one off services like MRIs or surgeries. Link2Labs provides deeply discounted prices for lab work. GoodRx and Honeybee are great for discount prescription meds.
There are also a plethora of telehealth resources for Primary Care as well as Specialty Care like SkyMD where you can get a tele-dermatology appointment for just $70, or Betty Health for your primary care needs.
Again, we believe that you are the best person to pick your own doctors, alternative medicine and wellness activities, not an insurance company that will give you generic one-size-fits all solutions where the good one’s are high in demand with limited availability. Lame!
Your wellness journey is personal, whether it be salsa vacations in Colombia, meditation, healthy eating apps, or plant medicine, we think you are best to make those choices and find the best solution for you -- of course we can make recommendations if you ask :)
Have questions about this? Message us!
*For people who are heavy utilizers of health care, likely with a chronic condition and pricey procedures are better off using CYA in addition to Health Insurance. Do your own research!
