How Coloradans Can Save on Healthcare When We All Go Back to the Doctor

How Coloradans Can Save on Healthcare When We All Go Back to the Doctor

How Coloradans Can Save on Healthcare When We All Go Back to the Doctor 1032 600 Apostrophe Health

Now is the time for Colorado’s self-insured plan sponsors to reconsider the value of your health plans.

Right now, an opportunity exists to take back control of healthcare costs, embrace innovation and improve the overall quality of care. We believe this is a time for optimism. When we can all finally return to the doctor, Apostrophe members will do so with confidence knowing our smart shopper program is saving them money.

When we talk about the future of healthcare, we anticipate a substantial period of recovery in which providers will seek to recoup losses. To do so, cost of care and treatment will increase and legacy insurance rates will rise in response. 

Coloradans are already paying 269%* over Medicare rates for their healthcare. It’s the 6th highest markup over Medicare rate in the U.S.

It’s too soon to know what will happen to that rate as part of the post-COVID recovery. Are you prepared for an expected increase in healthcare costs?  

Apostrophe Intelligent Health Benefits are uniquely positioned to take on this challenge and put our self-insured plan sponsors ahead of the “what’s next” curve.


Apostrophe’s Intelligent Health Benefits put the self-funded plan sponsor back in control of spend and experience.

We took the direct-purchase plans modeled by Lowe’s and Boeing and made them accessible to mid-size, self-insured plan sponsors. It’s no longer a luxury reserved for the biggest corporate players. It’s a necessity your members deserve.

With Apostrophe, your members enjoy better benefits for less money. Intelligent Health Benefits include:

  • All providers treated as in-network. We eliminated confusing rules and penalties.
  • Cut out middlemen with common sense purchasing. Save with direct contracts, cash pay, and referenced-based payments.
  • Smart shopper and $0 care options. Members save on out-of-pocket expenses by choosing our partner providers.
  • White glove Member Care. Advocacy and expert support to navigate the healthcare system.


When health systems and private physician practices re-open, they’ll work to quickly overcome the financial losses incurred during the closure. Their patients will pay for it. Apostrophe Members won’t feel that strain, though, with smart shopper rates insulating them from any reactionary rate hikes.

In fact, we expect these rate increases to change member behavior for the better:

  • Greater reliance on Apostrophe’s existing suite of virtual healthcare tools
  • Shopping around for the best treatment and care options
  • Cost-conscious decision making

Apostrophe smart shopper program enables our members to be more informed, smarter healthcare consumers. This is what Better Benefits for Less Money looks like in action.

The process of researching providers and fair rates against benefit availability can be overwhelming. But when our members need a procedure or treatment outside of standard office visits, Apostrophe smart shopper helps them identify high-quality and cost-effective options right here in Colorado. The advocacy of white glove Member Care ensures that our members feel supported and informed when making healthcare decisions. 

Apostrophe smart shopper is available for:

  • MRI or CT at free-standing imaging centers
  • Colonoscopies
  • Outpatient or elective surgery
  • Musculoskeletal pain management, e.g. virtual physical therapy

Both HSA and non-HSA plans get the benefit of bundled case rates. Non-HSA plans have access to $0 member cost benefits, and HSA plans may have opportunities for account credits.**


Colorado stands out for having the very lowest mortality rates for cancer, diabetes, and heart disease, and the fifth-highest life expectancy for Americans. But the Rocky Mountain state has also seen health insurance premiums rise 50% in the past 10 years. Wages in Colorado have remained flat since 2000, and workers can’t keep up with inflation (which is growing faster than the national average).  

“Most Coloradans struggle to keep up with rising prices,” acknowledged The Bell Policy Center, which works to advance economic mobility in Colorado. 

Consider that this was all the state of things before the pandemic. There’s no way to know how soon Colorado will rebound to this normal or if things will continue to decline.

Every year when your fund renews its legacy healthcare plan with worse benefits for more money. With each renewal, you’re perpetuating a broken system that the members pay for.

Now is the time to change everything with better benefits for less money.

If you’re a self-insured plan sponsor in Colorado, we’d like to calculate the savings you’ll see when you switch to Apostrophe Intelligent Health Benefits.

Let’s talk before your next renewal.

*2019 Rand research report
**Dependent on plan design