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FOR PHYSICIANS WHO ALREADY KNOW THE SYSTEM IS BROKEN

Stop Depending on Insurance. Start owning your practice.

JŪMA is the financial layer for cash-pay healthcare. Join as a founding host practice — and give your patients a wallet that actually serves them. No prior auth. No write-offs. No waiting to get paid.
Apply as a Founding Partner
HIPAA-compliant · FDIC-insured · Provider settled in 5-7 days · No insurance dependency.
WHY YOU'RE HERE

You didn't go to medical school to spend half your day on hold with Cigna.

You know the number. The percentage of your revenue that disappears into write-offs, denied claims, and prior authorization overhead. You know the hours — the credentialing calls, the EOB disputes, the insurance rep who never calls back.

The system wasn't designed to serve your patients. It was designed to delay, deny, and dilute. And somewhere along the way, it started costing you more than the money.

JŪMA exists for the physician who's already skeptical — and just hasn't been given the right vehicle to leave it behind.
THE INFRASTRUCTURE YOU'VE BEEN WAITING FOR

Your patients are already paying out of pocket. Now they have a wallet built for it.

$550B+ leaves patients' pockets every year in out-of-pocket spend. For cash-pay, elective, and wellness care — dental, aesthetics, GLP-1, functional medicine — there has never been a purpose-built savings tool. Until now.

JŪMA is a closed-loop prepaid health wallet and multi-provider savings network. Patients fund it. You redeem it. You're settled in 5-7 days, with zero insurance infrastructure between the transaction and your bank account.

The first external LOI is signed: an LA dermatologist, 3 locations, $4M+ in revenue, 200+ patients already ready. The network is forming. The question is whether your practice is in at its founding or arrives later.
Apply as a Founding Partner
HIPAA-compliant · FDIC-insured · Provider settled in 5-7 days · No insurance dependency.
HOW IT WORKS — FOR YOU

Four steps. No insurance. No surprises.

Step 1 - Join the Network

Apply as a founding host practice. Your specialty, zip code, and founding number are reserved. During the founding window, your territory is protected.

Step 2 - Your Patients Load Their Wallet

Patients fund their JŪMA wallet via ACH or debit — FDIC-insured, HIPAA-compliant, pre-loaded with 10-15% in bonus credits. No application. No employer required.

Step 3 - Instant Checkout at Your Practice

Patients pay via the JŪMA wallet at the point of care. Redemption is instant. No terminal changes, no new POS system required.

Step 4 - You Get Paid. In 5-7 Days.

JŪMA settles to your practice account in 5-7 days. No claims. No prior auth. No write-off. What you charge is what you receive, minus a 9.99% platform fee — less than most credit card processors charge for the headache of insurance.
Apply as a Founding Partner
HIPAA-compliant · FDIC-insured · Provider settled in 5-7 days · No insurance dependency.

What this actually is. And what it isn't.

JŪMA FOR YOUR PRACTICE

  • Patients arrive pre-funded
  • Settled in 5-7 days
  • No prior auth. Ever.
  • Territory protection at founding
  • Two-sided network — more
    patients = more value

JŪMA IS NOT

  • Insurance claim cycle
  • CareCredit / BNPL
  • A marketplace or referral platform
  • An EHR or billing integration
  • Another subscription you have to manage
Apply as a Founding Partner
HIPAA-compliant · FDIC-insured · Provider settled in 5-7 days · No insurance dependency.
THE FOUNDING 100

This isn't a partner application. It's a founding number. And there are only 100 of them. 

JŪMA is opening its founding host practice slots now — and the practices that join during this window get a structure that won't be available once the alliance opens publicly. 
What Founding 100 Practices Get:

$0 SaaS fee — for your first 12 months.

Standard Growth tier is $349/month. That's $4,188 in value, reserved for founding practices only.

Growth tier features from day one.

Advanced analytics. Featured listing eligibility. Boost campaign tools. AI revenue optimization. Priority support. Everything at the top of the stack — from the moment you join.

Priority marketplace exposure during launch.

Founding practices are surfaced first to patients loading their wallets during the JŪMA launch window. The patients who arrive first become your patients.

Save 1.5% on Transactions.

Founding 100 practices lock in their transaction fee at 8.49% — permanently. Even after Month 12 converts to paid Growth at $349/month, your rate doesn't move.

The one requirement:

Minimum 10 wallet transactions or $500 in wallet redemptions per month by Month 3. That's the threshold. Everything else is yours.
Apply as a Founding Partner
Founding numbers are limited. Territory protection is first-come, first-served.
ALREADY VALIDATED

The first external LOIs are signed. Others are watching.

JŪMA is live, working, and generating real traction. 78% monthly wallet funding rate. $850 average wallet balance. 65% auto-deposit adoption. These aren't projections — they're current metrics from real patients in the system.

The providers who join now don't just get early access. They get the founding story — the territory, the recognition, and the direct relationship with Parth that scales away the moment this opens publicly. 

The cross-practice portability is what sold me

LA Dermatologist · 3 locations · USD 4M+ revenue ·
200+ patients ready
BUILT BY SOMEONE WHO LEFT FIRST

He didn't build JŪMA to sell to providers. He built it because he is one.

Dr. Parth Kansagra left an insurance-dependent dental practice with six months of savings, no patients, and a single belief: healthcare should actually serve people.

He built Bespoke Dental Studios — an insurance-free cosmetic practice in LA — from nothing. Then JUV, a PC/MSO aesthetic cash-generating group. Then JŪMA, because the financial infrastructure for cash-pay care didn't exist, and he needed it himself.
"Everything I've built has been proof that you don't have to compromise to do it right." 
Dr. Parth Kansagra, DMD · MBS · MBA · Founder & CEO

FAQ Section

Nothing upfront. JŪMA earns a 9.99% platform fee on each patient redemption — taken at the point of transaction, not billed separately. Standard credit card processors charge 2.9% for far less infrastructure. JŪMA's banking partner costs 0–1%. The spread is the engine.

Settlements go directly to your practice account in 5–7 business days. No claims cycle, no prior authorization, no write-off reconciliation.

No. Redemption is handled through the JŪMA platform, not your existing systems. Onboarding is designed to be low-friction by design.

We're selectively building the network. Dentists. Concierge MDs. Med spa operators. Functional and longevity doctors. The physicians who are already skeptical of insurance and haven't had the vehicle to leave it behind. If that's you, you belong in this room.

The founding window closes when JŪMA opens publicly. Your territory doesn't wait.

Apply as a Founding Partner
HIPAA-Compliant · FDIC-Insured · 5–7 Day Settlement · No Prior Auth ·
No Insurance Dependency

Start Saving and Earn Perks

Founding partners don't just get early access. They get a rate that never increases, rewards that aren't available at any price, and a spot in the origin story of something that should have existed a long time ago.

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Providers 1 – 25

Founding Partner

  • Zero platform fee for 6 months
  • $500 marketing credit
  • First list in vertical
  • Dr. Parth onboards personally
Providers 26 – 75

Founding Network

  • 6.99% fee for 3 months
  • $200 marketing credit
  • Priority discovery
Providers 76 – 100

Founding Member

  • 7.99% fee for first month
  • $100 marketing credit
OWN YOUR HEALTH 
JŪMA · OWN YOUR HEALTH · © 2026 · All rights reserved. Terms of Service.