Most health plans are designed for the insurance company. We design them for the people who pay for them and the people who use them. Direct pay on the front end. Insurance on the back end. One blueprint that finally works.
Most benefits programs look great in the binder. They fall apart in the moments that matter.
Members do not know how to access care when something actually comes up.
Access is slow. The phone tree is worse.
Nobody knows what it costs until the bill shows up.
Costs go up every year. Benefits go down every year. Brokers take the hit either way.
When healthcare is hard to use, people delay care. Issues get worse. Renewals get uglier. Everyone pays more, except the carriers.
Simple access to the right care, in the right place, for the right price.
Clear guidance instead of guesswork.
Predictable value instead of surprise bills.
Real utilization instead of unused benefits.
The layer of healthcare your insurance plan was never built for.
Pick your blueprint. Or start with one and grow into the full integration.
CashCare Core
The Direct Pay Foundation
Virtual Urgent Care, 24/7
Virtual Primary Care
Virtual Mental Health
Pharmacy and Rx support, acquisition cost pricing
Member Navigation
Imaging and Labs, direct billed
Compatible with any existing health plan. Start here without disrupting the carrier.
CareFlex
Optimize Coverage
Network strategy and provider design
Stop loss placement, fully underwritten from day one
Plan modeling and underwriting
Implementation management
For groups ready to rethink the back end without rebuilding the whole plan.
CareComplete
The Full Plan Build
Direct care on the front end
Insurance on the back end
Custom plan design
National network access
Claims optimization
Ongoing plan optimization
The full integration. Soup to nuts. Built for the group that wants to stop fighting their plan and start using it.
Pick your blueprint. Or start with one and grow into the full integration.
You keep the client. You keep the relationship. We pay a flat consulting fee with no clawbacks and no declining schedule. We never go around you.
Three blueprints. One menu. Easy to explain, even to a CFO who has never heard of self funded.
Layer CashCare Core onto the existing plan first. Add the rest as the client gets comfortable. No rip and replace.
Our typical groups see 30 to 40% in total cost savings in year one. We will show you the model before you ever sign anything.
© 2026 MIST Solutions, LLC dba Direct Pay Designs. All rights reserved.