How to TRULY Save on Healthcare
Finding low prices is just the first step. This guide teaches you exactly how to ASK FOR and GET the cash-pay rates you find on FairVisitHealth.
The Healthcare "Glitch"Insurance Companies Don't Want You to Know
Here's the secret: Hospitals have hidden "cash-pay" rates that are often 50-90% cheaper than what they bill insurance. Why? Because self-pay patients:
- Skip insurance administrative fees (15-25% overhead)
- Avoid collection risk—cash in hand is guaranteed
- Don't require billing department follow-up
- Are required by law to be disclosed (CMS Price Transparency Rule)
Example: An MRI that costs $2,500 through insurance might be just $400 cash-pay at the same facility.
Step-by-Step: How to Use FairVisitHealth
Search & Compare
Use FairVisitHealth to find providers and see real cash-pay prices
- Enter your procedure or service (MRI, dental cleaning, Ozempic, etc.)
- Add your ZIP code or city for nearby results
- Compare prices across 9M+ providers nationwide
- Look for the cash/self-pay price column
Our prices come from official CMS hospital transparency files, Medicare fee schedules, and verified provider data.
Call & Verify
Contact the provider to confirm pricing and availability
"Hi, I'm calling to schedule [procedure/visit]. I'll be paying cash without insurance. Can you confirm your self-pay rate? I found your published rate of $[X] online and want to verify."
- Always call before visiting to confirm the price
- Ask for the "self-pay" or "cash-pay" rate specifically
- Get the quote in writing via email if possible
- Ask if they offer a prompt-pay discount for paying upfront
Providers are legally required to provide pricing under the Hospital Price Transparency Act.
Negotiate
Use our AI tools and scripts to get the lowest possible price
"I'm a self-pay patient. Your published CMS price is $[X], but I've seen similar services for $[Y] at [competitor]. Can you match that rate?"
- Reference the price you found on FairVisitHealth
- Mention competitor prices if lower
- Ask about financial assistance programs
- Offer to pay upfront for additional 10-20% off
Use our AI Negotiation Engine to generate custom letters and phone scripts!
Confirm & Pay
Lock in your rate and complete your appointment
- Get the agreed price in writing before any service
- Pay upfront if you negotiated a prompt-pay discount
- Keep all receipts and documentation
- Review the itemized bill afterward for errors
Always review your itemized bill—billing errors are common and can add 15-30% to your total.
Scripts for Every Situation
Copy-paste scripts for exactly what to say
Magic Phrases That Save Money
"What is your self-pay/cash-pay rate?"
"I'm comparing prices—can you match $[X]?"
"Your published CMS price is $[X]—please honor that."
"Can I get a prompt-pay discount for paying today?"
"I'd like to apply for your financial assistance program."
"Please send me an itemized bill with CPT codes."
"I found this service for $[X] elsewhere. Can you match?"
"Under the Hospital Price Transparency Act, you're required to provide pricing."
"Do you offer payment plans at the self-pay rate?"
"I'd like to speak with your billing supervisor."
Ready to Start Saving?
Search for providers, get real cash-pay prices, and use our AI tools to negotiate like a pro.