How Are Cash Cards Used by Self Fund Health?

Self Fund Health uses virtual “cash cards” in specific situations where paying directly at the time of service delivers substantial savings for the employer health plan sponsor.

• When they’re used: Cash cards are deployed for services where direct payment is significantly less expensive than network billing—such as imaging, certain surgeries, or out-of-network providers who accept a fair cash rate.
• Who creates them: Nurse Navigators generate cash cards as part of guiding members to the right care at the right time.
• How they’re delivered: The nurse will provide the virtual card to the member and/or provider before the appointment, ensuring the service can be paid directly at the time of care.
• Why it matters: This approach avoids inflated hospital charges, lowers total plan costs, and supports the sustainability of $0 Preferred Provider benefits.

Key takeaway: Cash cards are created and delivered by our nurses when direct payment creates meaningful savings—ensuring both members and employers benefit.