A clear-eyed look at cash-pay care
You already pay for insurance. Why pay your doctor, too?
It's a fair question. Cash-pay asks you to take on a real expense, and it may not move you closer to your in-network deductible. The reason to consider it is simple: some care is worth structuring around time, continuity, and a price you can see before the visit.
So what are you actually paying for?
Not access for access's sake. You are paying for a care model that can spend more of its resources on the clinical relationship itself.
Enough time to tell the whole story.
Hormone symptoms overlap. History, labs, prior treatments, and what has changed all matter. The visit is built around that work, not a billing code.
One physician who keeps the thread.
Dr. Nelson follows the response over time, explains the data, and makes the adjustments. You do not have to restart the story at every visit.
A cost you can see coming.
You will see the fee before you commit. No surprise balance bill months later and no guessing what a visit code will become.
Keep your insurance. Use it for what it does well.
Cash-pay is not a replacement for comprehensive coverage. Insurance still matters for emergencies, hospital care, procedures, medications, and other covered services. At Peri, it simply does not set the length of the visit.
The deductible question.
A payment to Peri may not count toward your in-network deductible or in-network out-of-pocket limit. If your plan includes out-of-network benefits, it may apply an eligible amount to a separate out-of-network deductible or reimburse part of a claim. Your insurer decides. Confirm your benefits before counting on either.
01
See the fee.
Know the direct cost before you commit.
02
Pay Peri.
The clinic does not submit an insurance claim for you.
03
Request a superbill.
Submit it yourself if you want to seek plan benefits.
A separate eligibility note: Peri won't see Medicare patients during this first phase.
Cash-pay isn't automatically the right answer.
The right choice is the one that protects both your health and your budget.
It may be worth it if…
- Your symptoms need more time than your current visits allow.
- Continuity with the same physician matters to you.
- A predictable fee feels more valuable than maximizing in-network deductible progress.
Insurance-based care may fit better if…
- Minimizing immediate out-of-pocket spending is the priority.
- You have an in-network clinician you trust and want to build toward your deductible.
- Paying directly would make it harder to afford other care you need.
Insurance can remain your safety net. It just doesn't have to set the clock in the exam room.
See the numbers before you decide.
Membership and pricing details will go to the waitlist first. Joining the list is not a commitment to become a patient.