• Medical debt and gaps in care.

  • Resources: Out-of-network claims. Self-pay patients. Medical bills.
  • Surgeons on Health Beyond Insurance that accept self-pay patients.
  • For Patients.
  • For Providers.



High cost of care, big gaps in care and bigger medical debts 

The movies, Dallas Buyers Club, Last Holiday, Sicko, The Rainmaker, John Q and Breaking Bad all point to one thing in common: The ugly side of the American Healthcare System. 

The United States spent about 16% of the total GDP on healthcare from 1980- 2019, when compared with the UK, Australia, New Zealand and Canada. All, but the USA has single payer (Government funded) healthcare system, which mean all cost of care is the responsibility of the Government of these countries, not their Citizens. 

If the Cost is high, is the quality any good?

Well, in theory, if America is spending so much more on healthcare then the quality of the care must be far better than the countries in the comparison. "Twist your mustache and say...On the Contrary my friend". The United States Healthcare system performed lowest on the performance score, overall performance ranking and performance compared to spend. 

Show me the Money (numbers)

Now let's notice the impact of high costing and low performing healthcare system on the People of the United States... Drum roll... Huge Medical Debt.

According to a research done by the Kaiser Family Foundation, 41% of the adult American have some type of medical debt. Here is the breakdown of the research: 

  • 4 in 10 adults have currently have medical debt.
  • Parents, women and families with low income carry biggest medical debt.
  • Imaging/lab fees and emergency care are top sources of medical debt.
  • About 26% of bankruptcies are filed due to medical debt.

Okay, I get the point, Jesus!  Can I do something?
Yes, well, kinda...

For non-emergency situations;
  1. Don't ignore the medical bills. Be proactive and contact the sender's office and then contact your insurance company for accuracy of the bills. You should do this due diligence before writing the check. You will be surprised when you find the billing inaccuracies. 
  2. Contact your insurance ahead of time. Make sure the procedure/test/imaging/surgery is covered by your insurance.
  3. Act as a Self-pay Patient. If you have a high deductible insurance plan and you still owe a huge amount on your deductible, ask your doctor for a self-pay price. You will be amazed how much you can save. 

For emergency situations;

  1. For emergency situations like a visit to the ER, urgent surgeries, and life saving medical/surgical care, you don't have time to do your due diligence. In these cases:
    1. Negotiate your final bill with the hospital.
    2. Ask for a payment plan.
    3. Check out the Resources every in our newsletter. We try and find the organizations that help with medical expense. 



  • Out-Of-Network: If you see an out-of-network doctor, therapist, surgeon or any other healthcare provider, you can always submit an out of network claim to request a reimbursement from your insurance company. This company makes is super easy and affordable to file an out-of-network claim.
  • Self-Pay: Educating yourself before seeking medical care is always an  excellent idea. Sometimes, going Self-pay route and opting out of insurance is a smarter choice. This website is a great resource to understand what is self-pay. 
  • Non-For Profit: If you are struggling to pay for your deductible or high insurance premium, this non-for profit might help.


Do you have a high deductible health insurance plan? Are you self-insured at a large company? If yes, then waste no time, and take a look at our unmatched facility and pricing. If you are planning to undergo a surgery abroad, look here first. Moreover, if you have no insurance at all, we believe we can provide you with best quality at affordable cost.

The surgery Center of Oklahoma is a spacious, state-of-the-art multi-specialty facility in Oklahoma City. It is owned and operated by approximately 40 of the top surgeons and anesthesiologists in central Oklahoma. The facility has been accredited by the AAAHC since 1998 without interruption and has annually provided care to thousands of patients.


At Texas Medical Management, we work with a mission to deliver the highest quality healthcare at transparent and affordable prices. To ensure this procedure, we team-up with our superior surgeon partners, who are selected by our surgeon board for their expertise, focus, patient outcomes, and reputations. We believe that creating a great doctor-patient relationship will allow us to deliver the best quality healthcare possible.

We cut out most of the unnecessary costs by removing the middleman and eliminating the complexity and high cost of bureaucracy. We share these savings with you and our surgeons. Get in touch with us today, and let us take care of you for optimized results.


Pacific Surgical Center (PSC) is one of the best state-of-the-art outpatient surgery facility in Washington. We are the only provider in the area offering ambulatory service, skilled surgeons, and handle orthopedic, urologic, podiatric, gastrointestinal, and general surgery procedures.

At Pacific Surgical Center, we provide our patients with an attractive alternative to hospital-based surgery. We help eliminate the most common concerns of people regarding the healthcare process. Exceptional care with easier access, more privacy with less paperwork, and greater comfort with less stress are few things that our patients enjoy in comparison to a hospital.



Our Vision: Healthcare cost containment and price transparency

Health is one of the most precious possessions and the idea of health insurance is to protect this possession. Although, we have different personalities, our healthcare needs are quite similar. Yet, the cost of care varies significantly.

Health insurance deductibles, increasing out of pocket costs, limited coverage, pe-auth time restrictions and loss of coverage are SOME of the reasons, most people delay seeking care from a doctor, a dentist, a surgeon or a mental health specialist. 

HBI believes that healthcare should be accessible with ease and cost transparency. New doctors, dentists, imaging centers and other healthcare specialties join us every single day. 

Do a simple search and find a provider near you. 



Connect with thousands of potential patientsl, every day 

Health Beyond Insurance is one of the fastest growing marketplaces, offering thousands of services and 100s of health care providers in multiple specialties. Our visitors range from patients who are within drivable distance to your practice, looking for primary/preventive care, to patients looking for a specialist in or out of their city. Occasionally, we get requests from international patients who are looking to travel to get specialized care from US board certified physicians and surgeons.