Stem Cell Therapy Out-of-Pocket Planner

Build a realistic cash plan for stem cell therapy by pairing the clinic quote with your coverage rules. Enter the procedure cost and post-deductible coverage to reveal insurer responsibility, capped patient medical spend, travel extras, and the net cash you owe after HSA dollars and financing fees.

Bundled price for the stem cell therapy protocol, including facility and physician fees.
Percent of the allowed charge your plan pays after any deductible is satisfied.
Optional — defaults to $0.00. Enter the unmet portion of your annual deductible that will apply to this therapy.
Optional — defaults to no cap. Use it to cap your medical responsibility at the remaining out-of-pocket maximum.
Optional — defaults to $0.00. Include flights, hotels, caregiver time, or ancillary expenses.
Optional — defaults to $0.00. Enter how much you plan to reimburse from tax-advantaged accounts.
Optional — defaults to 0.00%. Add CareCredit or personal loan merchant fees applied to your out-of-pocket portion.

For budgeting only. Confirm coverage determinations, allowed amounts, and reimbursement timelines with your insurer and treating physician before scheduling treatment.

Examples

  • Example 1 — $18,000.00 quote, 60% coverage, $2,000.00 deductible, $7,000.00 OOP cap, $1,200.00 travel, $2,500.00 HSA, 3.00% financing ⇒ Insurer pays: $11,000.00 USD • Patient medical responsibility (before travel): $7,000.00 USD • Travel & extras: $1,200.00 USD • HSA/FSA applied: $2,500.00 USD • Financing fees: $171.00 USD • Total cash required: $5,871.00 USD • Deductible met on this case: $2,000.00 USD • Coinsurance due: $5,000.00 USD
  • Example 2 — $9,500.00 quote, 50% coverage, no deductible, no cap, no travel ⇒ Insurer pays: $4,750.00 USD • Patient medical responsibility (before travel): $4,750.00 USD • Travel & extras: $0.00 USD • HSA/FSA applied: $0.00 USD • Financing fees: $0.00 USD • Total cash required: $4,750.00 USD • Deductible met on this case: $0.00 USD • Coinsurance due: $4,750.00 USD

FAQ

How do I model staged therapy across several visits?

Run the calculator for each visit, then sum the total cash required line. Update the deductible and out-of-pocket cap inputs as they decline throughout the year.

What if my plan denies the claim after predetermination?

Set coverage to 0% and rerun the estimate so you know the self-pay obligation before deciding whether to proceed or appeal.

Do medical tourism packages change the calculation?

Yes. Adjust the travel and lodging input to reflect bundled airfare, hotel nights, or companion costs, and consider local taxes or currency conversion fees in the same field.

Can HSA or FSA dollars cover travel?

IRS rules generally restrict tax-advantaged accounts to qualified medical expenses. Only include travel in the HSA field if your advisor confirms the charges are reimbursable.

Additional Information

  • Many insurers treat regenerative stem cell therapy as experimental; set coverage to 0% to model a fully self-pay plan.
  • If your out-of-pocket maximum is already met, set the remaining cap to $0.00 so the tool shows that medical charges drop to zero while travel still applies.
  • Financing fees typically apply to the net amount charged to the card or lender after HSA reimbursements.
  • Include caregiver wages, transport, or lab monitoring costs in the travel field to capture the full journey budget.

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