Whether you're self-insured, uninsured, or just paying too much for coverage you don't use, Upsurance gives you immediate access to a database of self-pay doctors, urgent care, dental, labs, and imaging across New York and Long Island — transparent pricing, no insurance required. Join free — pay your DPC and dental memberships through Upsurance.
Choose a local Direct Primary Care physician. Flat monthly rate, unlimited visits, no copays, and direct access to your doctor — no insurance needed.
Pick a dental membership plan — 2 cleanings, exams, X-rays, and discounts on all other work. No deductibles, no waiting periods, no insurance.
Optional plans that pay cash directly to you for ER visits, hospital stays, accidents, surgeries, and critical illness. You keep the money.
Get instant access to our curated database of labs, imaging, urgent cares, and specialists — with confirmed self-pay pricing sorted by distance and cost.
Drag to match your current plan cost
Estimates based on typical NY DPC + supplemental costs. Actual savings vary.
Upsurance is a healthcare membership platform that connects individuals to local and qualified:
Upsurance is not a traditional insurance carrier and does not replace major medical insurance.
Upsurance connects New Yorkers and Long Islanders to:
Direct Primary Care (DPC) Providers
Supplemental Financial Protection Options
These benefits typically pay cash directly to the member.
Upsurance may be appropriate for individuals who:
John, age 34, requires stitches after a fall.
Results vary by case.
For healthy adults in this age range:
Risk varies by individual health status.
Events that can create significant expenses beyond supplemental benefits and negotiation include:
Supplemental plans provide fixed cash benefits. They are not designed to cover unlimited catastrophic expenses.
Upsurance does not provide prescription insurance. Members can use prescription discount tools such as GoodRx and RxSaver — both available in your member database. Many Upsurance Direct Primary Care providers also offer medications at discounted cash prices directly through your membership.
Upsurance helps you find affordable dental care across Long Island and NYC — private, in-house dental memberships with transparent cash prices and no insurance required. A few optional dental savings plans are available too. Dental is optional, selected separately during enrollment, and you can browse every option in your dashboard and enroll directly with the provider.
No. Signing up is free and creates no obligation to enroll in anything. You browse your options, build your bundle, and enroll directly with each provider at your own pace. Signing up is free with no obligation. You pay only for the DPC and dental plans you select — your membership fee is billed through Upsurance and we pay the provider directly. Supplemental insurance you enroll in directly with the carrier. There is no separate Upsurance platform fee.
Your name, email, phone, and ZIP are stored securely and used only to manage your account and notify you of new deals and providers. We present providers with aggregate member counts during negotiations — never individual names or contact details. Your data is never sold or shared with third parties.
Join free and get immediate access to the full Upsurance self-pay pricing database, medical provider directory, and digital membership card. Select your DPC and dental plans — we handle billing and pay the provider directly. Supplemental coverage includes instructions to enroll directly with the carrier.
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Choose your DPC doctor, supplemental plan, and dental — takes about 3 minutes
Labs, imaging, urgent cares & specialists with transparent pricing
We give you each provider's sign-up link and contact info — you enroll and pay them directly
No doctor, no safety net, no one in your corner. Upsurance is building healthcare civilization for New Yorkers who refuse to overpay for a system that wasn't designed for them.
Did you just use a CityMD visit? This will deduct one visit from your pack and log today's date in your history.
These cover your bases — primary care, big accidents, and dental without the insurance headache.
Labs, imaging, specialists, urgent cares — with transparent self-pay pricing sorted by specialty, rating, and price.
Visit urgent cares, order tests, get prescriptions. We're always growing the database — request anything we don't have yet.
A Direct Primary Care doctor is your foundation — unlimited visits, no copays, a direct line to someone who knows your name. Pick one or skip for now.
For when something can't wait for your DPC doctor — a cut that needs stitches, a high fever, a sprained ankle. These are the urgent care locations available to you as an Upsurance member.
Your DPC doctor handles everyday care. These supplemental plans pay cash directly to you when the unexpected happens — accidents, hospital stays, critical illness. You enroll directly with the carrier. Select what interests you and we'll walk you through it.
Skip the dental insurance headaches. These are direct membership plans — cleanings, exams, X-rays, and discounts on advanced work. No deductibles, no waiting periods. Pick one or skip.
Here's what your selections cover, and where there are still gaps. No coverage is perfect, but knowing the map is half the battle.
Some things aren't included in your current selections — blood tests, prescriptions, urgent care, specialists. We've built a self-pay database to help. Want to explore?
Paying for care without insurance isn't harder — it's just that nobody tells you how it works. Here's what to say, what to ask, and where to go.
Self-pay just means you're paying the doctor directly instead of an insurance company paying them for you. It does not mean you get worse care, and it does not mean you pay the scary number you see on a hospital bill.
Most offices have a separate, much lower price for people paying their own way — sometimes called the cash price, self-pay rate, or prompt-pay rate. They usually don't advertise it. You often have to ask for it by name.
Say it up front, on the phone, before you go. It changes which price they quote you. Word for word:
Then ask these three:
This is the decision most people get wrong, and it's the difference between a $150 bill and a $3,000 one.
A lot of common blood work you can order yourself, no doctor's note needed — companies like Quest and LabCorp sell tests directly to you online, and they're usually far cheaper than getting them run through a hospital.
Some tests, and most scans (MRI, CT, ultrasound), still need a doctor to order them. If that's you, a single visit with a primary care or walk-in doctor is usually the cheapest way to get the order — then take that order to an independent imaging center, not the hospital.
Hospitals are where self-pay people get hurt the most — and where you have the most room to push back. If you have a planned procedure, call the billing or financial counseling department before you go, not the front desk.
Don't pay it right away, and don't ignore it. Do this in order:
Ask about any procedure, test, or visit and we'll surface the fair self-pay price for New York, powered by price-comparison data. Coming soon — for now, use the search bar above.
Your healthcare stack is ready. Estimated $0 · providers billed separately.
Everything you need to enroll directly — no waiting, no phone tag. Takes about 10 minutes total.
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Your Upsurance membership is active. Use your enrollment links below to sign up directly with each provider — takes about 10 minutes total.
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This takes you to Stripe to cancel your subscription, and we'll let your provider know you're cancelling. If you haven't already, please reach out to them directly to confirm you're ending your care.