Your insurance charges you full price until you hit your deductible. But "full price" through insurance is often far more than the cash-pay rate. FairPass shows you the real prices.
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The average family deductible is now $3,500+. That means you pay 100% of your healthcare costs out of pocket until you hit that number. And here is the part nobody tells you:
$3,500+
Average family deductible. You pay 100% until you reach it.
Two prices
The same service usually carries an insurance-billed rate and a separate cash-pay rate. Ask for both.
73%
of Americans with HDHPs never meet their deductible each year.
If you never hit your deductible, you are paying inflated insurance prices for nothing.
Stop running routine care through insurance. Pay cash at real market rates and keep thousands in your pocket.
Before any appointment, search FairVisitHealth for the cash-pay price, then compare it against what your insurance would bill you for the same service.
Pay cash for labs, imaging, dermatology, physical therapy, and other routine visits. Tell the provider you are a self-pay patient to get the best rate.
Use your HSA or FSA to pay cash-pay prices with pre-tax dollars. You save on the procedure AND on income taxes. Double savings.
Prices shown are estimated market ranges based on public hospital and provider data.
A family of four with a $5,000 annual deductible. They typically need:
Through Insurance (Pre-Deductible)
$5,200/year
Cash-Pay via FairVisitHealth
$1,625/year
Estimated Annual Savings
$3,200+