Your Guide to Independent Healthcare
We are dedicated to helping Americans take control of their healthcare decisions by providing transparent, accessible, and reliable information.

Self-pay healthcare is a healthcare cost management model where patients pay for their medical services out-of-pocket at the time of service, bypassing the traditional health insurance model.
Instead of relying on insurance companies to cover the costs of medical care, self-pay patients take on the financial responsibility themselves. This approach allows for a more straightforward and transparent healthcare experience.
All The Resources and Support You Need To Successfully Manage Your Healthcare

Content
Our content hub is your go-to resource for everything you need to navigate health care with confidence. We offer a wealth of articles, guides, and tips that break down complex healthcare topics into clear, actionable insights.

Coaching
Whether you’re new to self-pay healthcare or looking to optimize your approach, our coaching services provide tailored advice and actionable strategies to help you navigate the complexities of healthcare with confidence.

Community
Connect, share, and learn with like-minded individuals in The SelfPay Sentinel Community. This is your space to ask questions, exchange tips, and support one another in the journey towards independent healthcare.
Our Impact
Your Healthcare, Your Way: Our Commitment to Change
Over the past six years, we’ve had the privilege of helping families and individuals within our communities transition from traditional health insurance to self-pay healthcare.
By sharing our personal experiences and the knowledge we’ve gained about the U.S. healthcare system, we’ve equipped those around us with the information and tools needed to manage their healthcare costs independently.
For those who weren’t quite ready to make the switch and preferred the comfort of their insurance, we provided guidance to help them maximize their benefits and minimize their out-of-pocket expenses. These experiences highlight the meaningful impact we’ve made in our communities—and now, with the full support of The SelfPay Sentinel and our growing online community, we’re ready to extend our reach even further!
Hear what people we’ve helped have to say.
Hear what people we’ve helped have to say.
“I was able to reduce unnecessary costs and gain a much clearer understanding of my coverage.”
I thought I knew everything I needed to know about health insurance, but after talking to James, I realized I barely understood how it actually worked. Thanks to his personalized guidance, I was able to reduce unnecessary costs and gain a much clearer understanding of my coverage. He even helped me resolve billing errors that would have cost me thousands!”
– Anna
“We ended up paying $800 for a bill that was originally over $40,000.”
“Rob and I have been self-pay patients for a while, but we were always hesitant to seek care because of the costs. When Rob needed to go to the Emergency Room, James was there to help us through the entire process, easing our concerns about the expenses. He guided us through seeking financial assistance and negotiating with the hospital. We ended up paying $800 for a bill that was originally over $40,000.”
– Lisa & Robert
“We’ve built a sizable emergency fund for our family, and we’ve even started investing some of the money we’ve saved.
The idea of switching from our health insurance plan to self-pay was terrifying, but with the help of James and Brielle, it turned out to be the best financial decision we’ve made in the last four years. They provided us with clear, actionable steps to manage our healthcare costs, and now we’re saving more money every month! We’ve built a sizable emergency fund for our family, and we’ve even started investing some of the money we’ve saved.”
– Mark & Jenna
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