Our Philosophy is to make sure your health and wellness comes first instead of your health insurance company by providing a financing option for medical debt.

Apex Financial Health is providing an innovative low cost financing option for medical bills. Paying medical bills can be a financial burden and a significant challenge resulting in one to choose financial survival over personal health and wellness. Apex Financial Health is here to change that. Our program works like a line of credit but can only be used to cover traditional medical insurance copayments and deductibles on covered services.

As Apex Financial Health grows this option will also expand to elected medical procedures that are not covered by traditional insurance plans such as vision care cosmetic surgery Dermatology services Dental services and hearing care.

Apex Financial Health is strategically partnering with Healthcare Providers to offer eligible clients a short- term deductible financing option that enables them to make payments over a 12, 24 or 36 month period allowing them to maximize their healthcare benefits without the stress of this large out-of-pocket cost.

We at Apex Financial Health are here for your health and Wellness and look forward to you living your best life.

Apex Financial Health offers the following benefits for our Partner Clients

● No Credit Checks to qualify for Programs
● No Interest charging on Deductibles Deferment or Credit Builder Programs
● No Negative credit reporting EVER
● No Selling of Debt to 3rd party Debt Collectors

Deductible Deferment Program (DDP)

Your deductible will be deferred until your next event appt date once you attend that event your deductible will be forgiven. If you choose not to attend your appt you will be billed the full amount of the deductible on a monthly basis. If the appt is missed due to Job change/ loss insurance change or death, the debt will be forgiven.

Client Credit Building Program (CCBP)

With this program your deductible will show on your credit as a “positive line of credit”. Line of credit terms will be set for 12, 24 or 36 months. NO interest will be charged allowing all payments to go toward your principal balance. Monthly Payment will be dependent on deductible amount. Your line of credit will be shown as “Paid Off” and forgiven when you attend your next appt event date. IF you choose not to attend your next appointment You will be billed monthly until your deductible is met. In the event of a job change/loss Insurance change or death the debt will be forgiven.

Apex Financial Health Workflow

1. New patient/client will be verified and approved for services via Affiliates Processes
2. Affiliate will Contact APEX to confirm client has been approved for services
3. Apex Financial Health will contact new patient/client directly to determine which program is suitable for them & explain Terms & Conditions
4. Apex Financial Health will email new patient/client agreed terms via contract to be signed electronically
5. Monthly Reminders will be delivered via email or text for DDP
6. Monthly Statements will be delivered via email or mail for CCB