Presence Answers
Affordable & self-pay healthcare
Paying for care without insurance is mostly a question of knowing the price before you agree to it. These answers cover self-pay primary care, published pricing and the trade-offs of each option.
Written by the Presence care team · No visit guarantees a prescription or a note · Membership is not insurance
Full answers in this category
What are your healthcare options without insurance?
Practical routes to care when you have no coverage: cash-pay primary care, memberships, community clinics, cash-pay labs and prescription pricing, with the trade-offs of each.
How can a family with a high deductible afford routine care?
If your deductible means routine care is effectively self-pay, here is how to lower the cost of everyday visits, labs and prescriptions without dropping coverage.
How can I reduce what I spend on routine healthcare?
Concrete tactics for lowering routine healthcare spending: asking for cash prices, choosing where labs are drawn, generics, avoiding avoidable facility fees, and fixing access.
Is a primary care membership better than paying per visit?
Run the comparison properly: when per-visit pricing wins, when a membership wins, and the behavioral cost of pricing every symptom individually.
What is self-pay primary care?
Self-pay primary care means you pay the practice directly at a published price. How it differs from billing insurance, where it saves money, and where it does not.
Ready to act on this? Membership Pricing
Quick answers
Short answers to the questions people ask before booking. Each links to the page that owns the full detail.
Do I need insurance to be seen?
No. Prices are published and payable directly: QuickCare from $19.99, phone $39, video $49, and $99 for a member in-person visit.
Insurance options are available; coverage and in-network status vary by plan and must be verified before the visit. Most people who come to us are choosing self-pay deliberately because the price is known in advance.
Limits: Self-pay prices are not insurance benefits and do not apply to third-party facility charges.
What does a visit cost?
QuickCare from $19.99, a phone visit $39, a video visit $49, and $99 for an in-person visit as a member.
Unlimited members pay no per-visit fee for included virtual care. Memberships run from $19.99 a month for individual virtual care to $219 for a family of up to five with unlimited care; a one-time $49 onboarding fee applies.
Limits: Labs, imaging, medications, specialist and emergency care are separate from dues.
Should I join a membership or just pay per visit?
One or two visits a year: pay per visit. Regular care, a chronic condition or a household: a membership almost always costs less.
The break-even arrives quickly, and membership adds member pricing on labs, imaging and many generics — which is where the real money is for anyone having a work-up.
Limits: Memberships are not insurance and do not replace major medical coverage.
Can I use HSA or FSA funds?
Many care costs are HSA/FSA eligible; membership dues may not be. Check with your plan administrator, because eligibility is theirs to determine.
We publish what we know and do not overstate it. Visit fees, labs, imaging and medications are the usual eligible categories; periodic membership dues are treated differently by different administrators.
Limits: We do not give tax advice and cannot guarantee any administrator's decision.
I have insurance with a big deductible. Is self-pay cheaper?
Often, yes — especially for labs and imaging. We will show you the self-pay price so you can compare it against what your deductible would cost you.
Below the deductible you are usually paying the negotiated rate yourself anyway. That is exactly where published self-pay pricing and partner lab and imaging rates win.
Limits: Self-pay amounts generally do not count toward your deductible. Verify with your plan.
Are there hidden fees?
No. Visit prices are published, membership dues and the one-time $49 onboarding fee are stated, and third-party costs such as labs, imaging and medications are quoted before they are ordered.
Whole Family Virtual Care has its own stated terms: $19.99 a month for the household, $39.99 one-time registration, a 12-month commitment billed monthly, automatically renewing.
Limits: Facility and pharmacy charges are set by those third parties, not by Presence.
Are there really no copays?
There are no copays for services covered by the self-pay Whole Family membership. That statement applies to membership-covered care only — never to anything billed through insurance or Medicare.
We keep that qualifier attached everywhere, because a blanket 'no copays' claim would be misleading the moment any service is billed to a payer.
Limits: Insurance and Medicare cost-sharing is set by those plans and is unaffected by any membership.
Do you take my insurance?
Insurance options are available; coverage and in-network status vary by plan and must be verified before the visit. We do not claim to be in-network with any particular plan.
Payer contracts are not finalised, so we say exactly that rather than implying coverage. The practical route is to verify your specific plan's telehealth and out-of-network terms before you book, and to compare the published self-pay price while you do.
Limits: No carrier names, no in-network claim and no promise of coverage or reimbursement.
Other answer categories
About this information
Written by the Presence care team for patients considering care with us. Presence care is delivered by licensed providers, including a board-certified Adult-Gerontology Primary Care Nurse Practitioner — not by a physician, and not by software. Meet your provider.
This page explains how our service works. It is general information, not a diagnosis, and it is not a substitute for an evaluation of your own situation. Whether testing, treatment or a prescription is appropriate is decided during a visit.
If this is an emergency — chest pain, trouble breathing, stroke symptoms, severe bleeding, or thoughts of harming yourself — call 911 or go to the nearest emergency department. See our emergency care notice.
Still deciding?
Call and we will tell you honestly which option fits your household — including when the answer is none of ours.