The Insurance vs. Self-Pay Challenge
Compare available published prices and clearly labeled estimates before you decide anything
7-Day Step-by-Step Guide → Run your own numbers → Make an informed decision
Insurance vs Self-Pay Calculator
Listed service rates come from published hospital price-transparency files. Annual totals use your inputs and a 20% coinsurance assumption; they are a limited illustration, not a plan quote.
What FairVisitHealth shows you
Compare the Membership Fee Separately - FairPass is a paid membership and does not pay for medical care.
Review Your Plan Costs - Enter your premium and deductible, then compare them with the listed service basket and published rates.
Search Provider Listings - Listings do not confirm participation or appointment availability; contact the provider directly.
Check Plan Requirements - Contact your insurer and provider about network and authorization requirements before care.
Confirm Price and Scope - Published price information may not include every service or fee. Ask the provider for a current written estimate.
Cash prices and insurer-negotiated rates come from hospital price-transparency machine-readable files, which hospitals are required to publish. Each row above states how many rates and how many payers stand behind it.
Disclaimer: This calculator provides estimates only based on the inputs you provide. Actual savings vary based on your specific healthcare needs, location, and provider choices. The comparison covers only the listed services and does not model hospitalisation, emergency care, or an out-of-pocket maximum. FairVisitHealth is NOT health insurance. Self-pay pricing requires verification with individual providers. For major medical events or ongoing conditions, health insurance may provide valuable protection. Consult a licensed insurance advisor for personalized guidance.
The 7-Day Cost-Comparison Challenge
Calculate Your Current Insurance Cost
Record your annual premiums and the out-of-pocket costs you actually expect for your care, including copays and coinsurance. Treat your deductible as a plan limit, not an amount you automatically spend.
List Your Annual Healthcare Needs
Search FairVisitHealth for annual physicals, labs, prescriptions, specialists, and imaging. Published prices or labeled estimates appear where available; availability varies by service and location.
Run the AI Comparison (Above)
The calculator compares a fixed basket using published hospital cash and negotiated rates when enough rates are available. Its annual totals use your premium and deductible inputs plus a 20% coinsurance assumption; it does not model every service or health event.
Get FairPass ($199/year)
Get access to search results, published prices where available, and clearly labeled estimates. Availability varies by service and location.
Confirm the Price and Scope
Search provider listings and use an AI-assisted letter if you choose to negotiate. Contact the provider to confirm availability and request a current written estimate that lists the service, included items, and separate fees.
Review Coverage Before Making Changes
FairPass is not insurance and does not provide coverage. Talk with a licensed insurance advisor about your needs and plan options before changing or dropping coverage.
Keep a Record of Actual Costs
Keep your own record of premiums, provider bills, and confirmed estimates for the same services. A listing is not a final bill, and results depend on your care and plan.
Challenge Result: You Know Your Numbers
In 7 days, you can organize a comparison using available published prices or clearly labeled estimates. Confirm each price and scope with the provider. Talk to a licensed insurance advisor before making coverage changes.
Check Price Availability
Price information varies by service, provider, and location. Compare the same service and confirm the current total directly with the provider.
Search Provider Listings
Search listings nationwide. A listing does not confirm availability or participation; contact the provider and check your plan requirements.
Ask About Scheduling
Contact the provider to ask about appointment availability and any steps required by your insurance plan.
Confirm Price and Scope
Published price information may not include every service or fee. Ask the provider for a written estimate of the current total and what it includes before booking.
A Practical Cost-Comparison Checklist
Step 1: Request a Current Estimate
Ask the provider for a written estimate for the exact service, including facility and professional charges and any separate fees that apply.
Confirm the estimate with the provider before care.
Step 2: Match Service Scope
Compare estimates for the same procedure, setting, location, and included services. Do not compare different service versions as if they were the same.
Published prices and estimates may not include every fee or service.
Step 3: Review Your Plan Benefits
Compare a confirmed provider estimate with your plan's benefits and expected out-of-pocket amount. Ask a licensed insurance advisor before changing coverage.
FairVisitHealth is not an insurance company, broker, or advisor.
FairVisitHealth is not an insurance company, broker, or advisor, and nothing on this page is insurance or financial advice. Dropping or reducing health coverage carries serious financial and health risks, especially for emergencies, hospitalizations, and chronic conditions. Savings depend entirely on your health needs and usage; there is no typical result. Consult a licensed insurance advisor before changing coverage.