Shop & compare healthcare services — pay as you go
Procedures, labs, prescriptions, dental, doctors, and travel coverage — curated by Amy Nielsen so you can make smart healthcare decisions with or without insurance.
Shop Health Services — Procedure Prices
Before any procedure, look up what Medicare actually pays. That number is your cash-pay benchmark. Present it at any facility and ask for the self-pay rate — most will meet you there.
SAGE Hospital Cost Lookup
Actual negotiated rates and cash-pay prices at specific hospitals. See the gap between what they charge and what they’ll accept — powerful for negotiations.
SAGE Transparency Tool →Self-Pay & Cash Memberships
Health share and direct-pay plans anchored to Medicare reference rates. No network, no pre-auth, no surprises. See all options Amy recommends.
Explore Membership Plans →PHCS / Multiplan Network
The largest independent provider network in the US. Find in-network providers for health share or self-pay plans that use PHCS.
Search PHCS Network →Health Insurance Rate Review
See how much carriers are requesting to increase premiums and why. Useful for understanding what’s driving your renewal costs each year.
Rate Review Tool →Shop Lab Prices
Order your own labs — no doctor order required for most tests. Results go directly to you and your physician at a fraction of hospital pricing.
FastestLabs
Same or next-day lab results at hundreds of locations nationwide. Price-compare before you order.
FastestLabs.com →SuperPower Lab Membership
Membership giving access to all kinds of labs at deeply discounted rates. Great for regular health monitoring — thyroid, hormones, metabolic panels.
Explore SuperPower →Any Lab Test Now
Local walk-in lab centers. No appointment, no insurance, no doctor order. Large menu of standard tests available.
AnyLabTestNow.com →Shop Medicines & Prescriptions
Prescription costs vary wildly between pharmacies. These tools find the lowest price for your specific medication — often far less than your insurance copay.
Blink Health
Lock in low Rx prices online, pick up at your local pharmacy. Strong on generics — compare against GoodRx to find the best price.
BlinkHealth.com →Cost Plus Drugs
Radical price transparency — cost plus a small markup. Some drugs are 80–95% cheaper here than retail. Search your medication and compare.
CostPlusDrugs.com →AbbVie Patient Assistance
On a high-cost AbbVie medication? Patient assistance programs may cover all or most of your cost if you can’t afford it.
AbbVie Programs →Shop Insurance
Compare individual, supplemental, and specialty coverage. Amy is a licensed broker for all of these — use these links to start shopping or call Amy to compare.
MNSure — Minnesota Marketplace
Ask for Amy by Assister ID #5503492. Free guidance, same premium, full support during and after enrollment.
Shop MNSure →HealthSherpa — Federal Marketplace
Shop ACA plans in all states with Amy as your broker. Subsidy calculator built in — see your real net cost instantly.
Shop HealthSherpa →Critical Illness Insurance
Lump-sum cash benefit on a critical illness diagnosis. Pairs well with high-deductible or health share plans to cover the gaps.
Get a Quote →Hospital Indemnity Insurance
Daily cash benefit for each day hospitalized. Fills the gap left by high-deductible plans or health shares during inpatient stays.
Get a Quote →Dental & Vision Plans
Eight options from traditional insurance to savings plans. Amy compares these for all ages and budgets.
Delta Dental MN
Minnesota’s most recognized dental plan. Strong local network, multiple plan tiers.
Delta Dental →1Dental Savings Plan
Dental discount membership — not insurance. Immediate 15–50% savings, no waiting period, no annual max.
1Dental.com →Careington Dental
Wide national network, low annual fee, immediate discounts. Good supplement to a high-deductible dental plan.
Careington →HealthPartners Dental
Senior and individual dental plans from Minnesota’s most trusted health system.
HealthPartners →Ameritas Dental & Vision
Combined dental and vision — one carrier, one premium, one card.
Ameritas Plans →UHC Dental
UHC standalone dental plans nationwide. Multiple tiers from basic preventive to comprehensive major coverage.
UHC Dental →MetLife TakeAlong Dental
Portable dental coverage — keep it when you leave an employer, retire, or change jobs.
MetLife TakeAlong →Cigna Dental
One of the largest dentist networks in the country. HMO and PPO options available by location.
Cigna Dental →Shop Doctors & Find Care
Find independent, cash-pay, and Direct Primary Care physicians nationwide. Self-pay or insurance — your choice.
What is a DPC Doctor — and why does it change everything?
Direct Primary Care (DPC) is a membership model where you pay your doctor directly — no insurance middleman, no billing games. A flat monthly fee covers unlimited visits, same-day appointments, and real access to your physician.
- Flat monthly fee — typically $50–$100/month
- Unlimited visits, no copays
- Same-day or next-day appointments
- Pairs perfectly with a health share or high-deductible plan
Before joining, ask these questions:
- ?What is the monthly membership fee?
- ?How many patients does the doctor have?
- ?Can I text or email the doctor directly?
- ?Are same-day appointments available?
- ?Do they dispense medications or offer discounted labs?
- ?Do they work alongside Medicare or health sharing plans?
You are your own first line of defense
No doctor — however good — can out-treat how you live. Sleep, movement, food quality, stress, and relationships are the foundation. DPC works best when you bring effort to the partnership.
- →Track your own vitals — blood pressure, weight, glucose
- →Know your lab numbers and what they mean
- →Bring a list of questions to every appointment
- →Ask “what happens if I do nothing?” before any procedure
- →Research medications before you fill them
- →Get a second opinion on anything that doesn’t feel right
🌿 Consider homeopathy — get to the root cause. Natural remedies and informed decisions go hand in hand. Read our holistic health guide →
ZocDoc — Book Any Doctor
Nationwide doctor directory. Book with or without insurance, see real-time availability and verified patient reviews.
ZocDoc.com →PHCS / Claritev
The largest independent provider network in the US. Find in-network providers for health share and self-pay memberships.
Search PHCS →Sedera Referral Map
Find independent providers experienced working with cost-sharing patients nationwide.
Sedera Map →MyWOW Health
Telemedicine, provider discounts, labs, and imaging at reduced rates. Works without traditional insurance for many services.
MyWOWHealth.com →JoinTheWedge
Directory of independent physicians who have opted out of insurance contracts — true patient-doctor relationships.
JoinTheWedge.com →DPC Frontier Mapper
Find Direct Primary Care practices near you — monthly membership, unlimited visits, no insurance billing. Pairs perfectly with a health share plan.
Find a DPC Provider →Travel Insurance
Even for road trips or time at the cabin — if you have a restrictive HMO that won’t pay out-of-network, travel insurance gets you back to in-network care.
GeoBlue Travel Insurance
BCBS-backed global health coverage for travelers, expats, and frequent international visitors. Covers emergency care, hospitalization, and medical evacuation anywhere in the world. Especially valuable for snowbirds spending extended time outside the US.
GeoBlue Travel Insurance →Why Travel Insurance Matters With an HMO
HMO plans only pay in-network. If you’re at a cabin in northern Minnesota, traveling through other states, or spending the winter in Florida — your HMO may not cover anything. Travel insurance fills that gap and gets you back to in-network care without a massive bill.
Ask Amy about travel coverage →Prepare for Our Meeting
Download these resources before your consultation — the more prepared you are, the more we can accomplish together.
Healthy Assessment
A personal health worksheet to complete before your consultation. Helps Amy understand your health history, current coverage, and goals.
Download PDF →Medicare Education Worksheet
A clear overview of Medicare Parts A, B, C, and D — enrollment timelines, key decisions, and what to consider before turning 65.
Download Worksheet →Scope of Appointment (SOA)
CMS requires a signed SOA before Amy can discuss Medicare Advantage or Part D. Complete this before your Medicare consultation.
Download SOA Form →Ready to meet with Amy?
Book a free 15-minute consultation — video, phone, or Zoom.
Life Insurance & Financial Protection
Amy brokers most major carriers for life, disability, long-term care, and supplemental products. Chronic condition, no money, or in a nursing home? There may be options you haven’t considered.
Insurance & Financial Solutions
Amy works with OCI Services for life insurance, annuities, and financial protection products. Access to most major carriers for your specific situation.
OCI Financial Solutions →Amy brokers most carriers for:
- Annuities
- Life Insurance
- Final Expense Insurance
- Disability Income
- Short & Long Term Disability
- Supplemental & Ancillary
- Long Term Care
- Critical Illness
Questions about your situation?
No insurance, high deductible, or just want to know your options — a 15-minute call with Amy covers a lot of ground and costs nothing.
Compensation disclosure: Amy Nielsen is compensated by the insurance carriers she is appointed with — not by you. Consultation, plan comparison, and enrollment assistance are completely free. In rare cases requiring a formal written health plan strategy or report, a fee may apply — always discussed and agreed upon in advance.
For we wrestle not against flesh and blood, but against principalities, against powers, against the rulers of the darkness of this world, against spiritual wickedness in high places. Eph 6:12