Give your team more than a reimbursement—give them real healthcare solutions.
Individual Coverage Health Reimbursement Arrangements (ICHRAs) have transformed how employers offer healthcare. They give flexibility, choice, and cost control. But for many employees—especially those shopping for coverage on the ACA exchange—the journey from “reimbursement” to real healthcare access can be confusing, costly, and overwhelming.
That’s where ful.CashPay steps in.
Why ful.CashPay + ICHRA = Total Support for Your Employees
ful.CashPay is not insurance—it’s smarter savings and unlimited access to care for employees navigating the healthcare system on their own. Whether an employee uses their ICHRA funds to buy a plan or chooses to go uninsured due to high premiums, ful.CashPay ensures they have the tools they need to stay healthy and protected.
Here’s how ful.CashPay works alongside your ICHRA strategy:
- Unlimited, 24/7 Virtual Care
Employees can talk to a doctor in under 60 seconds—no copays, no bills, no friction. Physician-first care is always available.
- Actionable, Bundled Cash Pricing
Through ful.CashPay’s marketplace, employees can shop and book discounted prices for doctor visits, labs, imaging, and procedures—with guaranteed, all-in pricing that prevents surprise bills.
- Prescription Drug Savings
Our digital Rx savings card helps employees find the best cash price at local pharmacies—whether they’re insured or not.
- Concierge Help with ACA Subsidies
Through our partnership with BeneStream, employees can check their eligibility for ACA subsidies and get white-glove support enrolling in a qualified health plan. It’s peace of mind, made easy.
- Support for Employees Who Remain Uninsured
Let’s be honest: not everyone will buy a plan, even with an ICHRA. ful.CashPay fills the gap by giving those employees tools to take control of their healthcare and avoid costly mistakes.
What this means for employers offering ICHRAs
When you combine ful.CashPay with your ICHRA offering, you create a comprehensive benefits experience that supports employees—before, during, and after their insurance decisions.
- Boost ICHRA adoption and satisfaction by helping employees make smarter healthcare choices.
- Improve retention by offering a meaningful, easy-to-use benefit that adapts to different lifestyles and budgets.
- Solve for the in-between, like employees who delay enrollment, skip coverage, or don’t understand how to use their plan.
Reimbursements are only part of the equation. ful.CashPay helps turn those dollars into real healthcare outcomes by supporting employees at every step of their journey—whether they enroll in an ACA plan, skip coverage, or just need help navigating their next doctor visit.
The result? A better employee experience. Lower out-of-pocket costs. And smarter benefits all around.
Want to see how ful.CashPay can enhance your ICHRA offering? Let’s talk.