Is being a self pay patient the right choice for me navigating healthcare costs with self payment

When you receive medical care, the doctor or practice will typically initiate a complicated bill chain that extends from them to insurance companies, back to the medical practice, and finally, medical services to you. Deductibles, co-pays, and co-insurance are all considered along the way. Most parties involved will have yet to learn what the patient’s and insurance’s final financial obligations and your out-of-pocket cost will be. This entire process typically takes months and significantly contributes to the rise in healthcare costs. And the insurance may outright deny health care services demanding the patients pay with cash after the service is rendered. We are here to help you.

“Are you looking for a cash pay medical provider in your area? Click here and we can help you find the services you need.”

Many hospitals, practices, and doctors are willing to accept a lower fee if the patient pays in cash because the money arrives immediately, and there is no time-consuming paperwork or multi-party adjustment like with insured patients.

We have you covered whether you are fully insured, underinsured, or uninsured! All prices on our marketplace are in cash, allowing providers to tailor their services and procedures while setting their fair market price. Avoiding the hassle of medical bills and insurance denials for patients who pay in cash saves providers time and money, which they are willing to pass on to you. Welcome to the future of healthcare.

Behind the rise of the self-pay patient

High-deductible health care plans significantly motivate patients to save money on medical care to pay cash. In 2020, nearly a third of workers had a high deductible health plan when using insurance with deductibles of $2k or more, up from only 7% in 2009. This number is up more in 2022. Average median plan deductibles under the ACA are even higher, reaching almost $3.5k in 2021. Because many of these patients will not meet their deductible services throughout the year, it may be more affordable and more accessible for them to save money on medical care and pay cash directly to their providers for care. Actual cash payments are frequently lower than using their insurance company’s negotiated rates.

Furthermore, a new group of self-funded employers encourages employees to seek care from high-quality, fixed-price providers, even for more complex surgeries and other procedures. Another driver is the rise of gig workers, who frequently lack a traditional health insurance plan but have disposable income to pay for medical expenses. Finally, innovative tech players based on a self-pay for health care model are driving demand.

How does cash pay typically work as opposed to health insurance?

Self-pay patients pay their bills directly, without private insurance, including therapeutic services like physical therapy, lab work, and x-ray orders. Self-payment lets patients pay only for necessary care without going through insurance. Self-pay sets a precedent to help patients of financial responsibility before treatment.

What is self-pay?

Getting patients to use services covered by insurance is complicated. We simplify self-pay. The first thing you need to do is evaluate your options. Are the cash-pay prices less than you would pay than what people pay with your insurance or Medicaid? If the cost of cash-only doctors is close to what health insurers charge, look at co-pay, and if you can negotiate the price with a doctor who operates on a cash-only system, even lower. First, determine the procedure’s in-network cost. Use online tools or call an insurer (keeping in mind that final prices fluctuate and may not precisely match the quote). This step is crucial because costs vary by provider and region.

Request providers’ cash prices. Some providers may need to make estimated costs easier to find. Be persistent and remember that you’re entitled to this information. Since 2021, hospitals must provide cash pay information during a visit, even if the patient has insurance through a price transparency tool.

Ask for a cash discount if the insurer’s price is higher. Many providers will comply if asked. Some transparent providers make this information upfront or advertise discounts. Other hospitals’ websites have price estimators. Compare local competitors if you choose out-of-network cash-only prices. Once patients aren’t limited to in-network doctors, they have more options.

How does cash payment work with Cash Price MD?

The system works reasonably simply. Start by looking through our catalog of services, procedures, and Providers at no cost and with no obligations attached to you in any way. When you come across specific procedures that you are interested in purchasing with the prices online, you will be required to create an account. This will only take a minute of your time, and there will be a payment made once you show up for your appointment. However, you leave an escrow payment that is paid once you visit the doctor. If you get a better deal elsewhere, you are free to cancel. After setting up your account, you can immediately begin shopping and purchasing on the healthcare system marketplace. After adding the desired service to your shopping cart, proceed to the secure checkout page. After completing your purchase, an email confirmation will be sent to you. This confirmation will include information about the service, the details, and the provider’s contact information.

Get in touch with your provider and set up an appointment. Same-day appointments are available in some cases. And finally, make sure you attend your appointment to get the care you need.

Why should I sign up for Cash Price MD for better care?

By using Cash Price MD, you can make decisions regarding your medical care. There is no longer any need for prior authorizations, referrals, denials, or confusion regarding in-network versus out-of-network care. Search for, evaluate, and purchase the healthcare services and procedures you require, when you need them at the cash-only price appropriate for your financial situation. You can save money by paying online, scheduling an appointment, and then showing up.

There are several benefits to signing up with us, including the following:

Ever gotten a surprise health insurance bill? Ever get a provider balance bill? “I thought it was covered and in-network” Hide fees, deductibles, co-pays, and balance bills. Cash Price MD provides fair, upfront pricing on hundreds of services and procedures.

Our patient-centric approach connects you directly with Providers. It allows you to search, compare, buy, and schedule appointments from home. This eliminates time spent arguing with insurance payers about networks, covered procedures, denials, referrals, prior authorizations, and bills. Never again!

Providers can add line items and bundle pricing to service listings. Their listing price includes all technical, professional, and facility fees so you can make an informed purchase. Buying in advance helps the provider’s staff prepare for your appointment and avoid hidden fees and bills.

Quality providers
Our Providers are thoroughly vetted to ensure high-quality care. Before accepting new Patients, we verify every provider who registers. NPI, state medical license, expiration dates, specialties, board certifications, and business information. Our system alerts the provider and us when actions are required and deactivates a Provider without updated information.

“Are you ready to save money on several routine medical services by paying cash upfront for medical care? Sign up today!”


If you need medical care, using a health system that works best for your pocketbook will benefit you. Cash pay worked for decades before health insurance became mainstream, and now that insurance is becoming bloated and inefficient, causing patients to want to pay in cash. You can spend less than an arm and a leg when getting quality health care. With cash price MD, we have a much more affordable solution. So what are you waiting for? Enroll now!


What does it mean to be a self-pay patient?

A self-pay patient is someone who pays for their healthcare services directly, without involving health insurance or third-party payers.

What are the benefits of being a self-pay patient?

Self-pay patients often enjoy greater flexibility in choosing healthcare providers, control over their healthcare decisions, and the potential for lower costs, especially for routine services.

Can self-pay patients still use health insurance for certain services?

Yes, self-pay patients can choose to use health insurance for specific services, such as major medical expenses or emergencies, while paying out-of-pocket for routine or elective care.

How can I find healthcare providers who accept self-pay patients?

You can search for providers who welcome self-pay patients through online directories, contacting healthcare facilities directly, or inquiring with your preferred provider about self-pay options.

Are there any tax benefits or drawbacks to being a self-pay patient?

Self-pay patients may be eligible for certain tax deductions or health savings accounts (HSAs) that can help offset healthcare costs. However, it’s essential to consult with a tax professional to understand the specific tax implications in your situation.