Financial Options

Better Care.
Less Than You Think.

Real medicine, made accessible — without the insurance runaround.

Our patients consistently tell us the same thing: they pay less at Atma and get more — more time, more answers, more real results — than they ever did paying premiums to an insurance company that never got them better. Here's how we make that investment work for your budget.

Our Philosophy

Insurance Doesn't
Get You Better.

Most people assume insurance is the affordable option and direct-pay care is the luxury. At Atma, we've built our entire model around proving that assumption wrong.

Traditional insurance means paying a premium every month, then paying again toward a deductible, then hoping your eight-minute visit even addresses the real problem. It's a system built around managing illness — not investing in health.

Atma membership is a direct investment in a care team that has the time to actually find out what's going on with you, and the expertise to help you get better — not just manage symptoms indefinitely. When you add up what patients actually spend chasing answers through the traditional system, our patients consistently find that Atma costs less and delivers more.

"Our patients pay less and get better. That's not a tagline — it's the entire reason our model exists."

Why Patients Choose Atma Over Insurance

✓No premiums, deductibles, or surprise bills — you know your cost upfront
✓Hour-long visits, not eight-minute appointments
✓Root-cause investigation, not lifelong symptom management
✓Direct access to your care team — never a call center
✓You decide how your healthcare dollars get spent

Three Ways to Make
Atma Work for You

01

Zion HealthShare

Atma is a formal referral partner of Zion HealthShare, an independent healthshare that pairs well alongside your Atma membership. While Atma provides your everyday root-cause, functional, and preventive care, Zion HealthShare helps members share the cost of larger medical events — as little as $1,250 out of pocket per event, with no annual or lifetime sharing limits, and support available anywhere in the world, including abroad.

Learn About Zion HealthShare →
02

CareCredit

Atma is a contracted CareCredit provider. CareCredit is a healthcare credit card that lets you spread the cost of treatment plans, aesthetics, IV therapy, and other services over time, with promotional financing options available. Apply online in minutes, often with an instant decision.

Apply for CareCredit →
03

In-House Payment Plans

Prefer to keep things simple and stay directly with Atma? We offer flexible in-house payment plans set up through our EMR, tailored to your treatment plan and billed on a schedule that works for you. Ask your care coordinator to set one up at your next visit.

Choosing Your Path

Coverage That Fits
Your Life

Every patient's situation is different. Here's a simple way to think about which combination fits your household.

Membership Alone

✓You already have other coverage in place — employer insurance, a spouse's plan, Medicare, or an existing health share
✓You want that coverage to stay in place for hospitalization and major events
✓You're adding Atma for the root-cause, functional, and preventive care your current coverage doesn't provide

Membership + Zion HealthShare

✓You're self-employed, between jobs, or don't have coverage through an employer
✓You want a complete alternative to traditional insurance — not just a supplement to it
✓You want everyday care handled directly through Atma, with Zion HealthShare there for larger medical events

Zion HealthShare is not an insurance company. Neither this publication nor membership in Zion HealthShare are offered by an insurance company. Visit zionhealthshare.org to view your state-specific notice. Sharing of eligible medical expenses among members is voluntary and is limited to three eligible sharing events per year; providers are typically paid directly within about five business days of an approved sharing request. We encourage you to review Zion's guidelines directly to decide whether it's the right fit for your family.

Questions About Your Options?

Let's Find the Right Fit
for Your Budget

Our Patient Care Coordinator can walk you through CareCredit, in-house payment plans, and Zion HealthShare — and help you figure out which combination makes the most sense for your household.

Apply for CareCredit → Explore Zion HealthShare

Ready to talk it through? Call us directly.

(785) 760-0695  ·  Lawrence   |   (913) 568-0608  ·  Overland Park