Frequently Asked Questions
You’re not eligible for Apta Guardianship if enrolled in Medicare or Medicaid due to federal regulations. Providers must bill these programs directly. Bring your health plan card and follow the traditional insurance process.
A debit card pre-loaded with funds for approved medical expenses. Issued by a company called, “Akimbo”. The Cash Pay Card is not an HSA or FSA card. Only use after confirming charges with your Apta Guardianship team. Submit detailed receipts after use.
Start with your Guardian: Many services are free. They’ll refer you if care is needed outside.
Swipe and Submit Receipt: Use your card at the appointment. Then text or email your itemized receipt.
Multiple Dependents: Swipe separately and submit separate receipts for each person.
Pro Tip: Always tell providers you're a "self-pay" patient.
You schedule appointments, identify as self-pay, ask for costs, and alert Apta Guardians. They’ll load your Cash Pay Card. Submit receipts immediately after your visit.
Leave your insurance card at home.
Don’t fill in insurance info, write “self-pay.”
Clearly state you’re a "self-pay" patient.
If you gave insurance info by mistake, ask the front desk to remove it and update your status as “self-pay.”
You can use your FSA or HSA funds for qualified medical expenses.
Send an itemized receipt with your name and visit reason:
Text: (720) 704-3300
Email: receipts@apta-health.com
For multiple people, submit separate itemized receipts. Submit within 24 hours or risk deactivation of your Cash Pay Card.
Go to your pharmacy and present your Apta Guardianship Member Card.
You’ll pay a co-pay as outlined in your plan.
Cash Pay Card cannot be used for prescriptions.
Start with your primary care physician for a referral.
Then call Apta Guardians at (720) 704-3300 ASAP.
Negotiations may take up to 3 weeks but typically are completed with 5-7 business days.
Non-life-threatening:
Use virtual urgent care, if your program allows it.
If in-person urgent care is needed, call Apta Guardians first to load your card.
Register as self-pay and submit receipt within 24 hours.
Examples:
In-person: stitches, sprains, fractures
Virtual: colds, UTIs, rashes, pink eye
Life-threatening:
Go to the ER and register as self-pay.
Notify Apta Guardians ASAP.
Send ER invoice to receipts@apta-health.com or text photo to (720) 704-3300.
Very rarely will you have to show your insurance card, but in this situation, you will need to enter your insurance information off your ID card. Avoid showing your insurance card at a doctor’s office or medical provider, as doing so may result in the provider billing through insurance instead of using your cash pay benefits, which will be much more expensive for you.