Your healthcare price hunter
The problem: Hospitals often charge insurance 3–10× more than their cash price. Before your deductible is met, you pay that inflated rate.
The solution: Loa searches providers near you and compares cash vs. insurance prices so you pay the lowest possible rate. In seconds.
MRI Brain Scan
12 providers searched • Brooklyn, NY
Before deductible
Save $2,797
Loa found this in 12 seconds
Pro tip: Pay cash, then submit to insurance—it still counts toward your deductible.
Why don't more people pay cash?
Because finding cash prices is a nightmare. Until now.
The old way
- ✕Call 5+ hospitals asking for "self-pay rates"
- ✕Wait on hold, get transferred, repeat
- ✕Compare confusing price quotes
- ✕Hope you're actually getting a good deal
- ✕Figure out claim submission yourself
With Loa
- Tell Loa what procedure you need
- See cash vs insurance prices instantly
- Compare all nearby providers at once
- Know you're getting the lowest price
- We help file the claim for you
How it works
Find savings in three simple steps
Search your procedure
Enter the procedure or service you need.Enter your procedure—MRI, lab work, specialist visit—and your location. We'll search every provider nearby.
Compare cash vs insurance
See real prices side-by-side instantly.See what you'd pay with insurance vs. cash at each provider. We pull directly from hospital price files—real data, not estimates.
Save & file your claim
Pay less, we help with the paperwork.Book the cheaper option. If you pay cash, we'll help you submit to insurance so it still counts toward your deductible.
Built with intelligence
Powered by AI to handle everything you'd rather not think about
Learns preferencesLearns your preferences
Gets smarter every search.Remembers your insurance, location, and preferences. Every search gets smarter.
Price matchingReal-time price matching
Compare cash vs. insurance.Instantly compares cash prices vs. insurance across every provider in your area.
Handles paperworkHandles the paperwork
Claims filed automatically.Submits claims, tracks reimbursements, and deals with insurance—all automatically.
Private & securePrivate & secure
Your data stays safe.Your data is encrypted and never shared. Privacy is built into everything we do.
Quick bookingSame-day appointments
Book directly through chat.Find availability and book appointments with providers directly through chat.
Price trackingPrice tracking
Get alerts on price drops.Monitor prices over time and get alerts when costs drop for procedures you need.
Build with Loa
Integrate healthcare price transparency directly into your platform with our real-time pricing API.
Your data stays private
Your health data is encrypted and secure. We never share your information.
Let Loa find your lowest price
Tell us what you need. We'll search every provider, compare cash vs. insurance, and show you exactly where to save.
Free to use • Real hospital prices • Save 50-80%