Cash in with CheckUp Health
Cash payments represent an enormous opportunity
Private health insurance makes $4.5T annually and people need another option.
Sore throats, slight sprains, and sports physicals — the things that we want to see a doctor for, but don’t, or delay doing as long as possible. All because we can’t get seen for weeks, we might be out of network, or we’re uninsured. When we do go in, doctors wait up to 90 days to get reimbursed by insurance for something as simple as blood work.
Insurance is blocking everyone’s bill of good health. What if we didn’t need them? What if there was something else?
When hard work isn’t enough
I grew up in a small, tight-knit community in Illinois, where hard work was the key to survival. My mom worked her way from being a school bus driver to a superintendent. My dad was a farmer. It was tough to make ends meet, but it taught me the value of resilience. I carried that with me when I met my husband in college. He became the first in his family to go to medical school, then built his own orthopedic practice instead of joining a big hospital system.
But success in medicine didn’t mean stability. I watched him pour his life into caring for his patients, only to spend just as much time battling with insurance companies to get paid. He hired staff to navigate the labyrinth of reimbursement claims, only to receive a fraction of what was billed months later. The system wasn’t just failing patients. It was failing doctors too. And then–it failed my family.
From policy to action
I spent 15 years in policy as an Illinois Senator, listening to the same debates and excuses. The same fight over the same pot of money. But nothing ever changed. Meanwhile, families had to choose between medical bills and rent. Business owners were struggling to keep their employees because they couldn’t offer benefits. At a town hall in my district, I invited small business owners to talk about the challenges they were facing. I expected a handful of people. Instead, I got a packed room of small business owners, all saying the same thing: We can’t compete without healthcare, but we can’t afford it either. They weren’t looking for insurance plans. They just needed a way to help their employees get basic care. That’s when I knew I had to do something different.
The cost of waiting
My brother Jim was a truck driver. He worked hard, made decent money, but avoided going to the doctor because he was afraid of the bill. He knew how the system worked. You walk in, and before anyone asks about your symptoms, they ask about your insurance. If you don’t have it, or if your deductible is too high, you’re treated like you don’t belong. So he put off getting care. He figured he’d tough it out, just like he always did. But when he finally sought help, it was too late. The aneurysm and heart condition that could have been managed with medication became a crisis—one that buried him in medical debt and ultimately cost him his life. That was my breaking point. I realized the system wasn’t broken. It was working exactly as designed. And it was failing the people who needed it most.
Cash is king
Getting sick shouldn’t mean choosing between your health and your wallet. Seeing a doctor shouldn’t feel like a gamble. But for millions of people—gig workers, small business employees, and anyone with a sky-high deductible—that’s exactly what it is. We’ve been conditioned to believe that insurance is the only way. That the price on a medical bill is set in stone. That if you don’t have coverage, you don’t have options. But the truth is, you can pay cash for basic healthcare. And when you do, it’s often cheaper, faster, and simpler. Doctors know this too, but are often forced to bill through insurance. Their staff gets buried in paperwork, chasing down reimbursements that take months to arrive.
A not-so-small business problem
Healthcare isn’t just a personal problem, it’s an economic one. Small businesses, from restaurants to landscaping companies, struggle to attract and retain employees because they can’t afford to offer healthcare benefits. Workers get sick and miss shifts, turnover skyrockets, and business owners lose money trying to fill positions. And the cycle repeats. Instead of locking businesses into expensive group insurance plans, CheckUp Health offers a smarter alternative. Employers allocate funds for routine healthcare expenses—similar to stipends for gym memberships or transportation benefits. Employees use CheckUp Health’s booking platform to access pre-set, transparent cash prices for doctor visits, lab work, and other essential care. Employers retain talent by offering health benefits without the complexity of traditional insurance, all while writing it off as a business expense.
Breaking the mindset holding us back
The biggest obstacle isn’t the system. It’s the way we think about it. For years, patients have assumed cash payments are expensive, or don’t know the option exists. But a simple visit can cost less than their insurance deductible. Doctors assume they’ll lose money without insurance. But when they cut out the red tape, they realize they’re making more without the administrative nightmare. Even with demand for care at an all-time high, doctors are still left with empty appointment slots due to last-minute cancellations. That’s lost revenue for providers and longer wait times for patients who need care. CheckUp Health solves this, too. Our platform keeps a text-based waitlist, instantly notifying nearby patients when an appointment opens up. Instead of sitting empty, schedules stay full, doctors maximize their time, and more people get seen faster. Small business owners think they can’t afford healthcare benefits. But they don’t need complex, overpriced benefits packages. They need a way to offer their employees healthcare access without crushing their bottom line. Employees get to book the care they need, whether it’s bloodwork, X-rays, or an urgent care visit. No insurance middlemen, no surprise bills. Just simple, transparent pricing.
Don’t check in with insurance. CheckUp.
This isn’t just about cutting costs. It’s about giving people their time, dignity, and options back. Picture the restaurant owner who no longer loses their best cook because they can finally offer a real healthcare perk. A gig worker who sees a doctor for a sore throat before it turns into something worse. The doctor who can focus on treating patients, not chasing payments. That’s the future I’m building with CheckUp Health. I’m not replacing insurance. I’m giving people a choice—one that makes sense when insurance doesn’t. One that removes the barriers, the confusion, and the fear. Because healthcare should be simple. CheckUp Health. Cash In. Feel Better.
Our value
Our excellent care is our specialty.
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Vision
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Mission
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Motto
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