Care Navigator

Free tools to understand healthcare costs, find fairly priced care and get help with medical bills. Open to everyone.

What do you need help with?

Find a Direct Primary Care doctor

Direct Primary Care (DPC) practices charge one flat monthly fee for unlimited visits with your own doctor. Search near you and compare monthly prices.

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How does Direct Primary Care work?+

One monthly fee. Most practices charge a flat amount each month that covers office visits, phone, text and video access to your doctor.

Lower prices on extras. Many practices offer labs and common medications at close to their cost.

Pairs well with cost sharing. DPC handles everyday care, while a sharing community helps with larger, unexpected medical expenses.

Listings come from practice websites, public directories and our partner Freedom Healthworks. Prices change, so confirm with the practice before you join. Know a practice we're missing? Tell us.

EVERTRUST HEALTH SHARE • FAIR PRICING

Fair Price Surgery Estimator

See what surgery should cost. Compare the typical hospital bill with a fair, all-inclusive self-pay price. Tap the body, pick a category, or search.

Gallbladder removal: typical hospital bill

$15,000–$100,000+

Itemized hospital bills for this routine surgery routinely reach five and six figures.

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Fair self-pay price

$6,836

All-inclusive: surgeon + anesthesia + facility, one up-front price.

Same surgery

Clear, upfront price

? New to self‑pay? Here’s how to get the lowest price+

Most surgeries create up to three separate bills — the facility (the surgery center or hospital), the surgeon, and anesthesia. When you arrange payment yourself, up front, you can often pay a small fraction of what those bills would total. Here’s how to do it.

Call the facility first. Contact the surgery center or hospital and ask for their self‑pay (cash) price for your procedure. You’re simply a patient who will be paying directly — you don’t need to bring up health sharing at this stage.

Ask to prepay in full. Tell them you’d like to pay the entire cost up front, before the procedure. Paying in advance is what unlocks the lowest cash price.

Ask what’s included. Sometimes the facility bundles the surgeon and anesthesia into one price; sometimes those are billed separately. Ask them to tell you which, so you know whether you also need to call the surgeon’s office and anesthesia group.

Get a signed good faith estimate. Ask for a written “good faith estimate” of the full cost, and get it signed by both you and someone at the facility (and the surgeon’s office). A signed estimate protects you from being billed extra later — surprise charges added afterward may not be eligible for sharing.

Anesthesia may just bill afterward — that’s fine. Anesthesia providers often won’t prepay or give a good faith estimate; they’ll simply send a bill after the procedure. That’s normal and completely okay.

Send your estimates to EverTrust right away. As soon as you have your good faith estimate(s), submit them to EverTrust. Our Member Success team will help coordinate a prepayment method so the community’s shared funds can be used to pay your provider.

Two phrases do the heavy lifting: “I’d like to prepay in full” and “please send me a signed good faith estimate.”

Select Your Body Part

Click a highlighted area on the body to see fair prices. Front, back, and head shown.

Other categories

All procedures

Search surgical centers near you

Enter your ZIP code to map transparent, cash-price surgery centers, nearest first. This is a growing directory of centers that publish upfront pricing.

EverTrust Health Share

Care Navigator

See how the Member Guidelines treat your health situation, compare fair self-pay prices for procedures, and estimate what you would pay as a member.

Has a doctor recommended surgery? Tell us first.
Planned surgery needs a review by EverTrust before it happens. We'll confirm eligibility, get estimates, negotiate prices and help arrange prepayment. Read the Surgery Guide

Member Success: membersuccess@evertrusthealthshare.com888-397-0471

I am

What do the Guidelines say about my health?

A general screening against the EverTrust Member Guidelines. It is guidance, not a determination. Membership is open to people under 65.

State

Zip code

Currently pregnant?

Tell us about your health

Include conditions, ongoing care, medications, planned procedures, and roughly when symptoms or treatment started.

Medical records (optional)

Drop PDFs, photos or text files here, or choose files

PDF text is read in your browser. Scanned PDFs have no text; upload photos of those pages instead.

I understand my answers and records are reviewed by a secure automated service to create my results, and nothing is saved. I will not include Social Security numbers or payment information.

How it works

Describe your situation and add records if you have them.
The screening compares it with the EverTrust Member Guidelines and quotes the sections that apply.
For anything that would not be shared, you get a practical next step, like a fair self-pay price.

Pre-existing conditions phase in over time. The look-back is 12 months before membership begins (36 months for cancer). Maintenance care for a pre-existing condition is not shared.

What would I pay as a member?FOR MEMBERS

Pick a procedure to estimate your share using your Member Responsibility Amount (MRA).

Imaging

Independent imaging centers often charge a fraction of hospital prices for the same scan.

MRI through Green Imagingfrom $390

Starting price, depending on region. Green Imaging runs a national cash-pay network (4,500+ centers, all 50 states), and its price includes the radiologist's read. Call or text for your exact price.

Common scans to ask about: MRI (knee, shoulder, lumbar spine, brain), CT (abdomen, chest), ultrasound, X-ray, mammogram.

Labs

Direct-to-consumer labs sell tests without insurance, and you do not need a doctor's order.

Test	Ulta Lab Tests	Walk-In Lab

Published self-pay prices as of August 2026. Walk-In Lab adds a $6 physician fee per order. Confirm on each site before ordering.

Ulta Lab Tests Walk-In Lab

What would I pay for a scan or test?

Quoted price ($)

My MRA ($)

Self-pay resources

Tools EverTrust members use to pay less as self-pay patients. Each section notes what the Member Guidelines say, so you know when a resource is your best route. Questions? Contact our Advocacy team at 888-397-0471.

Guides and articles

From the EverTrust Article Library. For ongoing reading on healthcare affordability, follow EverTrust on Substack.

Title	For

Listed resources are independent organizations, not affiliated with EverTrust.

Listed organizations are independent and not affiliated with EverTrust. Prices are educational estimates, not quotes. Always confirm with the provider.

Care Navigator

Find a Direct Primary Care doctor

Fair Price Surgery Estimator

Select Your Body Part

All procedures

Search surgical centers near you

Charitable Sharing Fund

How it works

Before you apply

Care Navigator

What do the Guidelines say about my health?

What would I pay as a member?FOR MEMBERS

Choose a body area

What would I pay?

Get a second opinion first

Imaging

Labs

What would I pay for a scan or test?

Self-pay resources

Guides and articles

What is reference-based pricing?

Compare a price to Medicare

How to get the lowest self-pay price

What to say