Virtual Care · Paying Without Insurance
Care without insurance, at a price you see before you commit
No insurance, a deductible you will never meet, or a plan that makes a simple visit cost more than paying cash — all three end up in the same place. Here is exactly what self-pay care costs at Presence, how HSA and FSA cards work, and how to tell whether paying per visit or joining a membership is cheaper for you.
Quick Online Care $19.99 · Phone $39 · Virtual Video $49 · Extended $69 · HSA/FSA accepted
The short answer
- The short answer
- You pay a published price per visit with no insurance involved: Quick Online Care $19.99, phone $39, Virtual Video Visit $49 or an Extended Visit for $69. You know the price before the visit.
- How you can pay
- Credit card, debit card, HSA or FSA. No insurance is required and no coverage check is needed to be seen.
- What is extra
- Laboratory testing, imaging and in-person visits are separate services and are quoted before you commit. Prescriptions are filled and paid at your pharmacy.
- Per visit or membership?
- Paying per visit is usually cheaper if you need care once or twice a year. A membership tends to win once a household is using care several times a year — and it is not insurance.
- Next step
- Start a self-pay visit, or compare membership options.
This page sits under virtual care — start there if you want the full picture first.
Which care fits your situation?
- Get care now
One problem, one visit, no plans to come back
Pay per visit: Quick Online Care from $19.99, phone $39, Virtual Video $49. Nothing recurring.
- Compare memberships
You expect two or more visits a year
An individual membership at $19.99/month usually costs less than paying per visit, and includes 24/7 virtual access.
- See Whole Family Virtual Care
Several people live in your household
Whole Family Virtual Care covers everyone in the household for $19.99/month, 24/7/365, in all 50 states.
- HSA and FSA details
You have an HSA or FSA card
Visit fees are generally payable with it. Membership fees are treated differently — check before you assume.
What each price actually buys
Quick Online Care — $19.99
An eligible straightforward concern reviewed online by a licensed provider, with no scheduled live appointment.
Phone visit — $39
A live conversation with a licensed provider when your situation needs discussion.
Virtual Video Visit — $49
A live visit where your provider can see you. The right choice for anything visual.
Extended Visit — $69
More time for multiple conditions, long medication lists or a full catch-up.
Labs, imaging, in-person
Quoted separately before you commit, so there is no surprise line item after the fact.
Prices shown are the self-pay prices for the virtual services listed. Nothing here is insurance.
HSA and FSA cards
Health savings account and flexible spending account funds are generally usable for qualified medical expenses, and telehealth visits commonly qualify. In practice this means your HSA or FSA card can be used the same way as a debit card, and you receive documentation you can keep for your records.
Because eligibility rules are set by your plan and by tax law rather than by us, we do not tell you what your specific account will allow. If your situation is unusual, check with your plan administrator before the visit — and keep the receipt either way.
Working out which is cheaper for you
Count last year honestly
How many times did your household actually need care — including the visits you skipped because of cost or hassle?
Multiply by the visit you would choose
Mostly refills and notes? Use $19.99. Mostly things needing to be seen? Use $49.
Compare against a monthly membership
Whole Family Virtual Care is $19.99 per month with a one-time $39.99 family registration fee, on a 12-month term billed monthly.
Add the things you postpone
Labs you never got, the refill you stretched, the child you took to urgent care. Cost per visit is not the same as cost of avoidance.
Pick the smaller number
We will tell you which one it is if you ask. There is no benefit to selling someone a membership they will not use.
What self-pay care does not replace
Self-pay works well for
- Everyday illness, refill evaluations and documentation after an evaluation
- Lab ordering and result review
- One-off questions where you want a known price
- People between jobs, on high-deductible plans, or self-employed
You still need other coverage for
- Hospitalization, surgery and emergency care
- Specialist care and advanced treatment
- Catastrophic illness or injury
- Anything a membership does not include — memberships are not insurance
Presence memberships are healthcare memberships, not health insurance, and do not satisfy any insurance requirement.
Questions people ask
Can I use HSA or FSA?
Yes, HSA and FSA cards are accepted. Whether a specific expense qualifies is governed by your plan and by tax rules, so keep your receipt and check with your administrator if your situation is unusual.
Do I need insurance to be seen?
No. Self-pay care requires no insurance and no coverage check.
Are there hidden fees?
No. The visit price is the visit price. Labs, imaging, in-person visits and pharmacy costs are separate services, quoted before you commit.
Is a membership insurance?
No. A Presence membership is a healthcare membership. It is not health insurance and does not replace hospital or catastrophic coverage.
Is self-pay cheaper than using my insurance?
Sometimes, especially on a high-deductible plan where a routine visit is paid out of pocket anyway. Compare the published price above with what your plan would leave you owing.
What if I cannot afford the visit I need?
Start with the lowest-cost pathway that can genuinely help — usually a $19.99 QuickCare evaluation — and tell your provider your constraints so testing and prescriptions can be chosen with cost in mind.
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.
Know the price before you start
Self-pay care from $19.99, payable by card, HSA or FSA. No coverage check needed.