Ask for the self-pay price first
Tell the front desk you're paying cash before you're seen. Many clinics have a self-pay rate that's lower than what they bill insurance, but they only apply it if you ask.
About Cash Based Care
Power to the patients.
Plenty of Tennessee clinics have a cash price. Few make it easy to find. Cash Based Care gathers the ones that publish their self-pay prices so you can compare before you walk in, not after the bill arrives.
What you'll find here
- $150Posted cash prices
- Urgent care visits, physicals, imaging and telehealth where the provider publishes a flat self-pay price.
- $60/moCash memberships
- Direct primary care practices that charge a monthly fee instead of billing insurance, usually with unlimited visits.
- DiscountWritten discounts
- Hospitals and emergency rooms that don't post a flat price but do publish a written discount for uninsured patients.
How we choose what's listed
- A price has to be published. We only list a provider when its own website, or a booking partner it works with, shows a cash price or a written uninsured discount. "Call us for pricing" doesn't qualify.
- Every listing shows its source. Each result links to the page where we found the price and the date we last checked it.
- We flag what we're less sure of. A Confirm label means the price came from a chain-wide list or a third-party summary rather than the clinic's own page.
- Prices change. We recheck listings regularly, but always confirm the price when you call or check in.
Your rights when you pay cash in Tennessee
Get a Good Faith Estimate
Under the federal No Surprises Act, uninsured and self-pay patients can get a written Good Faith Estimate for scheduled care. If your bill comes in at least $400 above the estimate, you can dispute it.
Use Tennessee's 175% cap
Tennessee law (TCA 68-11-262) limits what hospitals, surgery centers and outpatient diagnostic centers can charge uninsured patients to 175% of their cost. Ask the billing office to apply it.
Ask about financial assistance
Nonprofit and many for-profit hospitals have financial assistance programs that can reduce or erase a bill based on income. Ask for the application.
Emergencies come first
Federal law (EMTALA) requires emergency rooms to screen and stabilize anyone with an emergency, whether or not they can pay. Don't delay emergency care over cost.
What Cash Based Care is not
Cash Based Care is an information service. It isn't medical advice, it doesn't recommend one provider over another, and it isn't connected to any clinic or hospital listed. Prices and policies are the providers' own and can change without notice. Map pins are placed from each address and may be slightly off.
In a life-threatening emergency, call 911.
Last updated September 30, 2026