How Avyra Works With Insurance and Self-Pay Care
Avyra is a healthcare navigation and savings platform — not insurance. It works alongside your existing coverage or as a standalone tool for comparing self-pay options. Here's how Avyra fits into different coverage situations.
Using Avyra with ACA Marketplace coverage
If you have a plan through the Affordable Care Act (Healthcare.gov or a state exchange), Avyra can help you understand what your plan generally covers, compare self-pay costs for services your plan may not fully cover, and explore prescription savings options that may be cheaper than your plan's copay. Avyra does not replace your ACA plan and does not pay claims or provide financial protection.
Using Avyra with employer-sponsored coverage
If you receive health coverage through your employer, Avyra can help you compare out-of-pocket costs, explore self-pay pricing for labs and imaging, and find prescription savings — especially when your plan's deductible is high or a service isn't fully covered. Avyra complements your employer plan; it does not replace it.
Using Avyra with private insurance
If you have private or individual insurance, Avyra can help you navigate where to start when you're unsure what type of care you need, compare self-pay provider pricing, and check prescription discount prices at participating pharmacies. You may find that self-pay options are more affordable than going through your insurance for certain services.
Using Avyra for self-pay comparison
If you don't have insurance or prefer to pay out of pocket, Avyra helps you compare self-pay provider pricing, explore available prescription discount prices, and review virtual care options. You can search providers, check RX savings, and use the care navigator without creating an account. Avyra does not negotiate or guarantee prices — always confirm pricing directly with the provider before scheduling care.
What Avyra is not
Avyra is not health insurance and does not:
- Pay medical claims or provide financial protection against medical costs
- Replace comprehensive medical coverage or ACA Marketplace plans
- Satisfy the individual mandate or qualify as minimum essential coverage
- Diagnose conditions, prescribe medication, or provide medical treatment
What Avyra helps you do before spending
Before you spend money on care, Avyra helps you:
- Figure out what type of care you might need and where to start
- Compare available self-pay provider pricing for common services
- Check prescription discount prices across participating pharmacies
- Explore available third-party virtual care options
- Organize your health information, check-ins, and questions for visits