Finance Tools
Self-Pay Medical Cost Calculator
Estimate your self-pay medical cost by calculating a base visit price, additional fees, and an optional upfront payment discount.
Self-Pay Medical Cost Calculator
Estimate what you may pay when you choose self-pay (cash pay). Enter a self-pay base price, add expected fees, and optionally apply an upfront discount.
This estimate does not include insurance pricing or negotiated rates. Use it to plan self-pay scenarios.
How it works
Self-pay costs often start with a quoted cash price, then increase with itemized services. If an upfront discount is offered, applying it can help you estimate a more realistic out-of-pocket total.
FAQ
How to use this self-pay medical cost calculator
- Select your visit type (clinic, hospital, urgent care, or ER).
- Enter the self-pay base price for the visit or service.
- Add estimated fees for tests, imaging, or procedures.
- Enter an optional upfront payment discount percentage.
- See your estimated total self-pay medical cost.
Example
If your self-pay base price is $220, additional fees are $90, and you get a 10% upfront discount:
- Subtotal = $220 + $90 = $310
- Discount = $310 × 10% = $31
- Estimated self-pay total = $310 − $31 = $279
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