Save Money with Self-Pay
Even with insurance, self-pay rates are often 20-80% lower than your out-of-pocket costs. Here's how we make it simple.
How Loa compares healthcare costs
Loa brings together cash prices, insurance price context, hospital transparency files, and provider profiles so patients can compare care options before scheduling. The goal is not to replace a provider quote, but to make the right questions easier to ask.
Start with a procedure name, CPT code, or care category.
Browse procedure pricesExplore crawlable procedure pages with city-backed price comparisons.
Compare hospital pricesReview hospital profiles with published price transparency context.
Read the methodologySee how Loa labels, normalizes, and explains source pricing.
See All Your Choices
We check both self-pay and insurance rates for your care. With high-deductible plans, self-pay is often cheaper since you're paying full price until you meet your deductible.
Pay Directly & Save
Simply let your provider know you'd like to self-pay. After your visit, make sure to get your Superbill - it's a detailed receipt you'll need for insurance claims.
We Handle the Paperwork
Upload your Superbill and we'll handle the rest. Our automated mailing service submits your claims to insurance, so the payment counts toward your deductible - no paperwork hassle.
Examples of price comparisons to start with
Start from a real procedure page, compare local price ranges, then use Loa search or provider directories to continue narrowing the options.
Why can self-pay sometimes be cheaper than insurance?
Hospitals and providers may publish cash rates that are lower than a patient responsibility under a high-deductible plan. Loa helps compare those paths before you book.
Does paying cash always save money?
No. The better option depends on the procedure, provider, deductible, network status, and whether you need the payment to count toward insurance benefits.
Where does Loa get price information?
Loa uses hospital Machine Readable Files required by federal price transparency rules and reviewed provider submissions when available.
Ready to Start Saving?
Join thousands of others who are saving money on their healthcare costs while maintaining their insurance benefits.