The easiest way to
find cash pay care

Self-pay (or "cash pay") means paying the provider for care at the time of service, like you would for most other services you receive. This avoids your provider billing insurance, having to see what insurance will cover and what it won't, and paperwork, denials, and surprise bills weeks or months later. You don't have to be uninsured — if you're on a high-deductible plan, out of network, or just want a clear upfront price, the cash-pay rate is often cheaper. But these prices vary widely at different providers, so Wellward shops around to find you the best options.

A cash pay price finder is an online tool you can use to find providers and their self-pay pricing for the health care service you need. As an example, if you are looking for a lumbar spine (lower spine) MRI, you can use Wellward's self-pay price finder to locate provider options and see the range of pricing in your local area. This tool can help anyone looking to self-pay for a health care service. It saves you money and time and makes it easy to find a provider that works for you for the health care service you need. Most importantly, it reduces barriers to you getting care — which means helping you stay healthy.

Any healthcare service and most types of pharmaceuticals. For some particularly complex hospital services, we may require a bespoke arrangement to be able to help. If we cannot help you with your request, we will tell you right away and fully refund your order.

Yes, there is a fee to find providers and prices. Unfortunately, there is no easy way to get access to self-pay rates data, so we have to utilize different technologies and tools to gather this information. You can view pricing information during the signup process.

Our fees cover the real work of contacting providers, gathering live cash-pay pricing, and benchmarking each quote — the part that takes you hours. And it's risk-free: if we can't find you a good option, we refund it, no questions asked.

By end of the next business day, you'll receive an email with our top recommendation plus your best alternatives — each with self-pay pricing — so you can choose and book. Questions? Just reply and a real person answers.

Results arrive by the end of the next business day. Most come sooner.

For each search, our team contacts providers in your area, gathers current cash-pay prices for your specific service, and benchmarks every quote against fair-price data to ensure we are giving you reasonable, affordable options — time-stamping each one. We weigh quality and convenience too, not just price. If there is a strong tradeoff between different options (say, one is much closer but more expensive) we show you both options so you can choose. Prices can change, so we always recommend confirming the final price directly with the provider before your visit.

Yes. Wellward is HIPAA compliant. We use encryption throughout our workflows and never sell your data.

Never. We don't accept commissions, kickbacks, or payments from any provider or insurer. We hold ourselves to a fiduciary standard — our only job is to save you money.

No. We find cash-pay (self-pay) prices, which often beat what you'd pay through insurance — especially if you're on a high-deductible plan and haven't met your deductible.

Add any service to your search before checkout to search for multiple at once. Or come back and create a new search anytime!

Not at this time.