What Is the Direct Payment Model?

The direct payment model (sometimes called direct care or cash-pay medicine) means patients pay their provider directly, without going through insurance for every appointment, lab, or prescription. 

Instead of long wait times, surprise bills, or rushed visits, you get: 

• Transparent pricing 

• More time with your provider 

• Personalized treatment plans 

• And in the case of HRT: real solutions, not insurance red tape 

Why Is This Model So Important for HRT? 

Let’s be honest: the traditional insurance system doesn’t work well for hormone care. Most insurance plans: 

• Don’t cover hormone testing unless you meet strict criteria 

• Limit the type and form of hormone therapy (e.g., only covering certain synthetic options) 

• Refuse coverage for bioidentical hormone treatments 

• Require unnecessary referrals or approvals that delay care 

  
  

This leaves many people—especially women in perimenopause or menopause—underserved and unheard. 

The direct payment model lets us change that. 

At Auri Medical, HRT is: 

• Fully accessible to anyone who wants to explore it 

• Customized based on symptoms, lab results, and goals 

• Not dictated by insurance networks or formularies 

• Delivered with education and follow-up, not guesswork or one-size-fits-all plans 

Who Benefits from This Model? 

The direct payment model is ideal for people who: 

• Want high-quality, personalized HRT 

• Are paying out of pocket due to high-deductible plans 

• Are tired of being told their symptoms are "just aging" 

• Have been dismissed by traditional providers 

• Value time, education, and trust in their provider relationship 

You don’t need to wait until your symptoms are “bad enough” to deserve help. With direct care, you decide when you’re ready, and we meet you there. 

HRT and the Auri Medical Approach 

We don’t believe in rushing you through a 7-minute visit or handing you a generic prescription. At Auri Medical, we take the time to: 

• Understand your story 

• Run the right labs 

• Explain your options 

• Create a plan that feels like it fits you 

  
  

Whether you’re in the early stages of perimenopause, navigating menopause, or simply not feeling like yourself—we’re here to help you find balance, clarity, and energy again. 

The Bottom Line 

The direct payment model is about restoring access and agency in healthcare. Nowhere is that more needed than in hormone care, where too many patients are told to "just live with it." 

You deserve better. And with direct care, you can finally get it—no middlemen, no mystery billing, and no unnecessary obstacles. 

Ready to take your health into your own hands?  We’re here for you—every step of the way. 

Disclaimer:  The information provided in this blog is for educational and informational purposes only and is not intended as medical advice. Always consult with a qualified healthcare provider regarding any medical concerns, diagnoses, or treatment decisions. Hormone therapy is not appropriate for everyone, and individual results may vary. Auri Medical does not guarantee specific outcomes. Never disregard professional medical advice or delay seeking care because of something you’ve read here.