What will it actually cost?

Transparent estimates for procedures you pay for out of pocket. Every estimate shows its inputs: local Medicare rates from CMS, published price surveys with dates, and your own coverage, HSA and financing.

DentalDental implants$2,300–$7,000VisionLASIK eye surgery$3,000–$10,000DentalBraces$5,000–$8,000DentalRoot canal$2,600–$3,500DentalDental crowns$1,100–$2,000DentalWisdom teeth removal$2,200–$2,200HearingHearing aids$3,432–$3,432FertilityIVF$23,474–$23,474FertilityEgg freezing$16,000–$16,000CosmeticTummy tuck$8,000–$13,500ImagingMRI scanFrom $195 Medicare rate · ~$360 commercialImagingCT scanFrom $107 Medicare rate · ~$196 commercialScreeningColonoscopyFrom $675 Medicare rate · ~$1,176 commercialUrologyVasectomyFrom $347 Medicare rate · ~$638 commercialVisionCataract surgeryFrom $1,718 Medicare rate · ~$2,998 commercialRehabPhysical therapyFrom $785 Medicare rate · ~$1,444 commercialSleepHome sleep studyFrom $103 Medicare rate · ~$190 commercial

How our estimates work

  1. Medicare-anchored procedures (imaging, colonoscopy, vasectomy, cataract, physical therapy, sleep study): we compute the 2026 Medicare rate for your location from CMS files, then scale it by RAND’s measured average commercial-to-Medicare ratio.
  2. Elective procedures (dental, LASIK, hearing aids, fertility, cosmetic): we use published price ranges, each cited and dated, and let you add quotes you have.
  3. Then we apply your deductible, coinsurance or dental maximum, HSA/FSA tax savings and a monthly payment.

Full methodology and sources