Can I use my HSA or FSA card at the visit?
Yes. Every self-pay rate on this page is an eligible medical expense under IRC §213(d). Pay at the front desk with your HSA or FSA debit card and we'll hand you an itemized receipt coded with the CPT and diagnosis codes your administrator needs. If you forget the card, pay out of pocket and we'll generate the same receipt for reimbursement submission within 24 hours.
Most common use: the $89 new-patient visit and the $59 A1C.
HMO, PPO, or self-pay — which is cheapest here?
It depends on whether you've met your deductible. With a PPO and a met deductible, your copay is usually $15–$30 and we'll bill your insurer directly. With an unmet deductible, your insurer's negotiated rate is often close to our published self-pay price — sometimes higher. With an HMO, you must be assigned to one of our physicians as your PCP before we can see you.
Rule of thumb: ask us for both numbers before you book.
How does out-of-network billing actually work?
For out-of-network visits, we collect our flat self-pay rate at checkout, then file the claim on your behalf at the same time. Your insurer processes it against your out-of-network benefits and sends the reimbursement check directly to you. You keep any difference between your insurer's allowed amount and what you paid us — we do not balance-bill.
Translation: the most you'll ever pay is the published self-pay price.
Are labs ordered by my specialist covered here?
If your specialist writes the order and we're an in-network lab provider under your plan, yes. If not, we'll run the lab at our flat self-pay rate (from $49), return results to your specialist within the turnaround window, and provide an itemized receipt you can submit to your plan for out-of-network lab reimbursement.
Common in our panel: rheumatology panels, endocrine follow-ups.