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Insurance
Bring your current insurance information to every visit so we can verify coverage and file accurately on your behalf.
Insurance & Self-Pay
Simple. Transparent. Patient-focused.
We believe understanding your healthcare coverage should be straightforward. Whether you're using insurance or paying directly, our team is committed to helping you understand your options so you can focus on what matters most — your health.
Self-pay rates
Straightforward pricing. No fine print.
These rates apply when you pay directly rather than use insurance. Choose in-person or virtual care and see the visit price before you book.
Self-pay rates effective as of July 24, 2026. Prices are subject to change and may be updated without notice.
In-person primary care
- $100
New Patient Visit
30–45 min
Time to talk through your history, concerns, and goals.
- $95
Established Patient Visit
20–30 min
Follow-ups, ongoing care, and new concerns — without feeling rushed.
- $100
Annual Physical Exam
Wellness
Your yearly wellness check, preventive screening, and health plan.
- $85
Sports / School Physical
Clearance
Quick, easy, and paperwork-friendly.
Virtual visits
- $50
Lab Review & Refills
We walk you through your results or renew ongoing prescriptions.
- $75
Sick Visit
Cold, flu, infection, sore throat — often same day.
- $95
Chronic Care
BP, diabetes, thyroid, cholesterol follow-ups by secure video.
- $120
Weight Management
Personalized, judgment-free virtual support.
Please note: we do not prescribe or refill opioid medications or other controlled substances.
Stable Care Membership
Predictable care, month to month.
For people who'd rather have a steady relationship with their provider than wait until something gets worse.
$75/month
- 1 check-in per month (telehealth or in-person)
- Medication refills (when clinically appropriate)
- Routine lab review
- Priority scheduling
- Secure messaging (we reply within 1 business day)
How fees work
The prices shown are our standard self-pay visit rates. Your final charge may vary based on the services provided during your visit — for example, additional labs, procedures, or follow-up care. We will always do our best to explain any expected costs before your visit. This page is not a guarantee of insurance coverage or a medical recommendation.
Self-pay rates listed are for patients paying out of pocket and are effective as of July 24, 2026. Prices may change without notice. If you are using insurance, your actual cost depends on your specific plan's copay, deductible, coinsurance, and benefits. We recommend contacting your insurance company directly to verify coverage and network status. For medical emergencies, call 911 or go to the nearest emergency room.
What self-pay patients can expect
Transparent pricing
Clear, upfront information about what a visit costs.
Clear communication
We share anticipated costs before your visit whenever possible.
No surprise billing philosophy
You'll never be blindsided by unexpected charges from our office.
Convenient payment options
Flexible ways to pay that fit how you manage your care.
Respectful, patient-centered service
The same quality of care regardless of how you pay.
Insurance we accept
Insurance coverage made simple.
Stable Health Care Services accepts a variety of insurance plans to make quality primary care more accessible. If you're unsure whether your specific plan is accepted, our team is happy to help answer general questions before your appointment.
AcceptedMedicaid
Illinois Medicaid plans
AcceptedBlue Cross Blue Shield of Illinois
BCBS IL
AcceptedUnitedHealthcare
UHC commercial plans
AcceptedAetna
Aetna commercial plans
Before your appointment, we recommend that you:
- Bring your current insurance card.
- Bring a valid government-issued photo ID.
- Notify us if your insurance has changed.
- Contact your insurance company with questions about your specific benefits or network coverage.
Your insurance benefits — including copays, deductibles, coinsurance, referral requirements, and covered services — are determined by your individual insurance plan.
Payment information
Payment made simple.
A few short notes on how billing and payment work for every visit, so there are no surprises.
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Copays
Any required copayments are generally due at the time of service, based on your insurance plan.
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Self-Pay
Payment is typically collected at the time of your visit unless other arrangements have been made in advance.
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Accepted Payment Methods
Major credit cards, debit cards, HSA/FSA cards (where eligible), and other payment methods as applicable.
What your visit may include
Every visit is personalized.
No two appointments are exactly alike. Depending on your healthcare needs, your visit may include any combination of the following:
- Medical evaluation
- Preventive care
- Medication management
- Chronic disease management
- Lab review
- Lifestyle counseling
- Treatment recommendations
- Follow-up planning
Please noteLaboratory testing, imaging, specialist referrals, prescriptions, or services provided by outside facilities may result in separate charges from those providers.
Common Questions
Questions about cost and coverage.
What we accept, what a visit costs without insurance, and how billing works — before you book.
Do you accept my insurance?
Stable Health Care Services currently accepts Medicaid, Blue Cross Blue Shield of Illinois, UnitedHealthcare, and Aetna. If you're unsure whether your specific plan is accepted, please contact our office before your appointment.
Can I become a patient without insurance?
Yes. We welcome self-pay patients and are committed to providing transparent, high-quality care regardless of insurance status.
When is payment due?
Depending on your insurance or payment arrangement, payment may be collected at the time of your visit.
Will I know my costs before my appointment?
Whenever possible, our team will help explain anticipated costs. Final patient responsibility depends on your insurance benefits and the services provided.
Do you accept HSA or FSA cards?
If applicable, HSA and FSA cards may be used for eligible healthcare expenses. Contact our office if you have questions.
What if my insurance changes?
Please notify our office before your appointment so we can update your information.
Still deciding? Booking takes about two minutes.
You can choose an in-person or virtual visit as you book — and if you'd rather ask a person first, we're glad to help.
- What happens nextPick a time on our secure scheduler, then get an instant confirmation by email or text.
- How long it takesBooking takes about two minutes. Most new patients are seen within a few days.
- What to have readyYour insurance card or self-pay preference, a photo ID, and any current medications.
Need help understanding your coverage?
We're happy to help.
Insurance can be confusing. If you have questions about accepted plans, self-pay options, or what to bring to your appointment, our team is here to help.
Patient Voice
Transparent pricing, clear communication about what my insurance would cover, and no surprise bills. That alone earned my trust.
Sample D.Primary Care
Sample Layout — Replace with Verified Patient Review
Your health comes first.
Whether you're using insurance or paying directly, Stable Health Care Services is committed to making quality primary care accessible through compassionate service, clear communication, and personalized care.
- What happens nextPick a time on our secure scheduler, then get an instant confirmation by email or text.
- How long it takesBooking takes about two minutes. Most new patients are seen within a few days.
- What to have readyYour insurance card or self-pay preference, a photo ID, and any current medications.