Clear about the money part.

We believe financial clarity is part of good care. Here's exactly how it works with us — in plain language, before you ever book.

Where we stand with insurance

We are in-network with HMAA/HWMG and UHA. If you're covered by one of these plans, we bill them directly and your usual copays, coinsurance, and deductibles apply.

We are out-of-network with all other payors — including HMSA and mainland commercial plans. For out-of-network visits, we don't bill your insurance company directly, and payment is due at the time of service.

Practicing outside most networks is a deliberate choice, and it's worth explaining why: contracted insurance medicine tends to dictate visit length, coding-driven priorities, and which treatments get discussed. Staying outside those contracts is what lets us offer unhurried visits, individualized hormone care, and treatment plans decided between you and your clinician — no one else in the room.

Visit fees

We believe you should know what care costs before you book. For out-of-network, self-pay, and Medicare private-contract patients:

• New patient visits (30 minutes) — $250 with Ann Craddock, APRN · $300 with Dr. G
• Follow-up visits — starting at $125
• Procedures & additional services — pricing gladly provided on request, and discussed with you before anything is scheduled

If you're covered by HMAA/HWMG or UHA, these fees don't apply — we bill your plan directly and your usual copay, coinsurance, and deductible apply instead. Fees current as of July 2026 and subject to change.

Out-of-network? We'll still submit your claim for you

If your plan includes out-of-network benefits (many PPO plans do), you may be reimbursed for part of your visit cost — and we make that as painless as possible: as a courtesy, we electronically submit the superbill to your insurance company on your behalf. No paperwork, no claim forms. If your plan reimburses, it pays you directly according to your out-of-network terms.

Reimbursement varies widely by plan, and we can't guarantee what yours will pay. Before your visit, it's worth a quick call to your insurer to ask three questions: Do I have out-of-network benefits? What is my out-of-network deductible, and how much of it have I met? What percentage of the "allowed amount" do you reimburse for out-of-network office visits?

Labs, imaging & prescriptions

Good news here: laboratory testing, imaging, and prescriptions are typically billed separately by the lab, imaging center, or pharmacy — and those often run through your insurance normally, even though our visits don't. We route your orders to facilities that work with your coverage whenever possible.

HSA & FSA

Visits with us are qualified medical expenses, and we accept HSA and FSA cards alongside standard payment methods.

Financing with CareCredit

We also accept CareCredit, a healthcare credit card that lets you spread the cost of care over time — including promotional financing options on qualifying purchases, subject to credit approval. You can check your eligibility and apply at carecredit.com in a few minutes (checking won't affect your credit score), or ask us about it at your visit.

Pay your bill online

Balances can be paid securely online anytime — card, Apple Pay, or Google Pay — through our payment portal. No login needed.

Make a payment

Medicare

Our physicians have opted out of Medicare. Under federal rules, that means Medicare patients sign a private contract with us before care: you agree to pay for visits directly, neither you nor we can submit claims to Medicare for our services, and Medicare will not reimburse you for them. This applies even if you also have a Medicare Advantage or supplemental plan.

Two reassurances worth knowing: your Medicare enrollment itself is unaffected — this arrangement applies only to care at our practice — and Medicare generally continues to cover the labs, imaging, and prescriptions we order when they're performed or filled by Medicare-enrolled facilities and pharmacies. Questions? Call us at (808) 879-1859 before booking and we'll walk you through it.

Good faith estimates

Under the federal No Surprises Act, patients who are uninsured or choosing not to use insurance have the right to a Good Faith Estimate of expected charges before scheduled care. Ask us anytime — we're glad to provide one, and for anything beyond a routine visit we'll discuss expected costs with you up front as a matter of course.

Cancellations

We hold real time for every visit. No-shows and same-day cancellations are subject to a $50 fee. If you need to reschedule, just let us know by the day before — call (808) 879-1859 or text (833) 497-3892 and we'll find you a better time, no charge.