Self-pay, memberships and insurance: how outpatient practices bill

Outpatient practices in the group get paid three ways, and most patients meet more than one of them. Knowing which applies to your visit tells you what to expect at the desk and afterwards.

Self-pay

You pay the practice's price for the visit or service directly, by card or HSA/FSA card, at the front desk or online when you book. The price is stated before the service. Self-pay is the norm for wellness and longevity services, many IV-therapy visits and elective dental work, and it is an option at primary-care practices for patients without coverage.

Memberships and packages

Longevity and wellness practices often sell monthly memberships or prepaid packages of visits. The membership agreement states what is included, the monthly fee billed to the card on file, and the notice period to cancel (30 days at our practices). Unused package visits are refunded at the per-visit rate paid if you cancel.

Insured visits

Where a practice accepts insurance, it verifies eligibility, bills your plan after the visit, and sends you a statement for whatever the plan does not cover: the copay, deductible or coinsurance portion. That statement is the patient-responsibility balance. It is due when you receive it and can be paid online from the link on the statement.

Statements

Statements come by email from the practice's company (for example RBS Watervale LLC) and show the visit date, the service, what insurance paid if anything, and what you owe, with a secure link to pay by card, HSA/FSA, ACH or bank transfer. Your card statement shows the practice's legal name, not the group or the parent company.

Questions

Questions about a statement go to the practice or to info@raddpayments.com, (413) 200-0634, Monday to Friday 8 to 5 Eastern. Clinical questions always go to the practice. See payments and statements.

Published 2026-08-22 by RBS Med, an operating group of Radd Payment Solutions. More insights