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JŪMA is a healthcare wallet that pays providers upfront and helps patients save for the care they actually want. No billing cycles. No medical debt. Just money that's ready.
Secure your spot

Healthcare costs are rising. The tools to pay for them haven't changed.

Providers spend weeks chasing payment they've already earned. Patients are stuck choosing between credit cards, payment plans, or skipping care entirely. Deductibles keep climbing, more providers are leaving insurance networks, and nothing in between is built for either side.

A Better Way to Pay for Care

Meet JŪMA

Your dentist, medspa, or specialist recommends JŪMA and helps you set up a savings plan for your upcoming care.

Fund your wallet

Set up recurring deposits and every dollar goes earns bonus credits — growing faster than any savings account.

Pay at your appointment

When it's time for care, pay directly from your wallet. No bills in the mail. No surprises. Your provider gets paid the same day.
JŪMA is for Patients

Save for the care you actually want.

JŪMA gives you a dedicated place to set aside money for healthcare—and rewards you for doing it.

  • Your money grows faster
    Every deposit earns bonus credits — your healthcare fund grows faster than a standard savings account.
  • No debt, no interest, no credit checks
    Every dollar you spend was saved first. You're never borrowing against your future.
  • Perks from providers who value your commitment
    Participating providers offer exclusive benefits to JŪMA members who plan ahead.
  • Your wallet, your terms
    Pause anytime, pick back up when you're ready. Your balance is FDIC-insured and always yours.
Start saving smarter

JŪMA is opening in waves. Get in line to get ahead.

We're launching city by city, to a limited group first. The earlier you join and the more people you invite, the sooner you're in.
Top referrers at close receive exclusive perks.
1

Sign up

Pick your role and you're on the list.
2

Share your link

Every sign-up moves you up.
3

Track your rank

See how close you are to the top.

Patients 1 – 100

Founding Platinum

  • $200 wallet credit
  • 6 months Gold FREE
  • Permanent Badge
  • Concierge Onboarding

Patients 101 – 300

Founding Gold

  • $100 wallet credit
  • 3 months Gold FREE
  • Permanent Badge

Patients 301 – 600

Founding Member

  • $50 wallet credit
  • 1 month Gold FREE

Patients 601 – 1,000

Early Access

  • $25 wallet credit
  • Early Access Badge

Built from real experience. Backed by real results.

JŪMA isn’t theoretical. This model is already running at Bespoke Dental Studios in Los Alamitos, CA: patients saving, wallets funding appointments, providers getting paid on the day of care.

%

of members fund their wallet every month

$

Average wallet balance

+ years

running with active users at Bespoke Dental Studio

Your Money Is Protected

JŪMA wallets are held in FDIC-insured accounts through our banking partner. JŪMA cannot use, lend, or invest your money — it's yours until you spend it on care.

Knowing the money was already set aside made it so much easier to say 'yes' to the work I'd been putting off.

Name, Patient @ Bespoke Dental Studios
Dr. Parth Kansagra
DDS · MBS · MBA · Founder
Meet the Founder

Built by a dentist who got tired of the system.

Dr. Parth Kansagra is a dentist and medspa owner in Los Alamitos. He built JŪMA because he saw the same problem from both sides of the chair: patients delaying care they couldn't afford, and a practice spending hours every week chasing payments that should have arrived months ago. JŪMA is the tool he wished existed — for his patients and for his team.

JŪMA is a healthcare wallet. Patients deposit money specifically for healthcare at participating providers. That money earns bonus credits and can only be used for care—not transferred, not withdrawn for non-healthcare spending. Providers receive payment at the time of service, guaranteed.

Yes. All wallet funds are held in FDIC-insured accounts through our banking partner. Your money is protected by the same standards as a traditional bank account.

We’re building a clear exit policy. If your provider leaves the network and no suitable alternative is nearby, you’ll receive a full refund of your deposited funds. Details will be published before launch.

HSAs require a qualifying high-deductible health plan and come with specific IRS rules. JŪMA has no eligibility requirements and is designed specifically for self-pay and elective care—dental work, medspa treatments, and specialty services that HSAs often don’t cover well.

Those are loans. You’re borrowing money and paying it back with interest. JŪMA is savings-based. Every dollar you spend was already yours. No debt, no interest, no credit check.

We’re launching in waves starting in 2026. Joining the waitlist gets you in line for early access — and the higher you rank, the sooner you’re in.

Ready to change how you pay for — or get paid for — healthcare?

Join the Waitlist
Don't just save for care. Earn for it with JŪMA.
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