- Who it’s for
- Uninsured patients and anyone choosing not to use insurance for their care
- Prices
- Call (310) 326-2161 for current self-pay prices
- Your rights
- A written Good Faith Estimate when you ask or schedule 3+ business days ahead
- Medicare or Medi-Cal
- Tell us first — different billing rules apply
- Financing
- CareCredit may be available for eligible services, subject to credit approval
Paying for your care yourself
If you don’t have health insurance, or you choose not to use it, you can pay for your care yourself. Call (310) 326-2161 before your appointment to ask about current self-pay prices for the visit, tests or procedures you’re considering at our Torrance office.
Tests or procedures added during a visit, and services from an outside lab or imaging center, may have separate charges. Ask about these too, so you know what to expect.
Your right to a Good Faith Estimate
Under the federal No Surprises Act, if you don’t have insurance or aren’t using it, you have the right to a Good Faith Estimate of expected charges:
- If you schedule care at least 3 business days ahead, you should receive a written estimate within 1 business day after scheduling.
- If you schedule at least 10 business days ahead, you should receive it within 3 business days after scheduling.
- You can also ask for an estimate before you schedule. You should receive it within 3 business days after you ask.
- If your bill is at least $400 more than the estimate from that provider, you can dispute the bill.
Keep a copy of your estimate. Learn more on our Good Faith Estimate page, visit cms.gov/nosurprises/consumers, or call the No Surprises Help Desk at 1-800-985-3059.
If you have Medicare or Medi-Cal
If you have Medicare or Medi-Cal, tell us before your visit. Different billing rules apply to these programs, and our team will explain what that means for your care.
Financing
CareCredit, a health and wellness credit card, may be available for eligible services. It is subject to credit approval, so review its terms carefully and ask us which services it can be used for.
Low-cost care and coverage resources
- Community health centers provide primary care, and what you pay depends on your income. Search HRSA’s Find a Health Center tool or read HealthCare.gov’s guide.
- Covered California is the state’s health insurance marketplace, where you can compare plans and see whether you qualify for help paying for coverage. Visit coveredca.com.
How to get started
Call
Call (310) 326-2161, tell us you’ll be paying yourself, and ask about prices for the care you need.
Get an estimate
Ask for a Good Faith Estimate, or receive one when you schedule at least 3 business days ahead.
Visit
Bring your photo ID and your estimate. Ask about the cost of any added tests before they’re done.
Review your bill
Compare your bill with your estimate, and call us with any questions.
Common questions
Can I see a doctor without insurance?
Yes. You can pay for your visit yourself. Call (310) 326-2161 to ask about current self-pay prices for the care you need, and ask for a Good Faith Estimate of expected charges. If you schedule at least 3 business days ahead, you should receive one in writing.
What is a Good Faith Estimate?
It’s a written estimate of the expected charges for your care, for patients who don’t have insurance or aren’t using it. It should list the items and services you’re expected to receive from that provider. Other providers, such as an outside lab, may give you separate estimates.
What if my bill is higher than my Good Faith Estimate?
If your bill is at least $400 more than the estimate from that provider, you can dispute the bill. Keep your estimate, because you’ll need it to start a dispute. For help, visit cms.gov/nosurprises/consumers or call the No Surprises Help Desk at 1-800-985-3059.
I have Medicare or Medi-Cal. Can I pay out of pocket?
Please tell us about your coverage before your visit. Different billing rules apply to Medicare and Medi-Cal, so our team will explain your options before any care is scheduled. Bring your Medicare or Medi-Cal card to every visit so we can check your coverage.
Do you offer financing?
CareCredit may be available for eligible services. CareCredit is a health and wellness credit card, and it is subject to credit approval. Ask us which services it can be used for before you apply, and review the card’s terms carefully.
Where can I find low-cost care nearby?
Community health centers offer primary care with costs based on your income. You can search for one near you with HRSA’s Find a Health Center tool. You can also visit Covered California to see whether you qualify for health coverage and help paying for it.
Important information
- Emergencies come first. If you think you’re having a medical emergency, call 911 or go to the nearest emergency room. Please don’t email insurance ID numbers, Social Security numbers or health details; call us instead.
Sources & further reading
- What is a good faith health insurance estimate? (opens in a new tab) — Centers for Medicare & Medicaid Services
- Medical bill rights (No Surprises Act) (opens in a new tab) — Centers for Medicare & Medicaid Services
- Where to Receive Low Cost Health Care in Your Community (opens in a new tab) — HealthCare.gov, Centers for Medicare & Medicaid Services
- Find a Health Center (opens in a new tab) — Health Resources and Services Administration
- Covered California: California’s Health Insurance Marketplace (opens in a new tab) — Covered California
Last updated October 2026. This page is educational and does not replace a visit with a clinician.
