Cash Pay Doctor in Irvine
Need a doctor in Irvine without insurance? The Pur Health offers cash-pay visits for teens and adults—affordable, private, and physician-led.
Last updated October 2026
What to Expect
Simple. Transparent. No Insurance Needed.
At The Pur Health, we believe high-quality care should be accessible, flexible, and stress-free. That’s why we offer cash-pay medical visits—a straightforward option for patients who are uninsured, underinsured, or prefer to bypass insurance altogether. Whether you’re managing a chronic condition, scheduling a quick physical, or addressing a private concern, our direct-pay model puts you in control of your care and costs.
We serve adults and teens 12 and older with a full range of primary care and preventive services—no referrals, authorizations, or insurance networks required.
Why Choose Cash-Pay Visits?
There are many reasons patients in Irvine and across Orange County choose to pay cash:
- No insurance? You can still access high-quality medical care at a fair, transparent rate.
- High deductibles? Avoid unexpected bills and pay only for what you need.
- Privacy concerns? Keep your visit off insurance records—for mental health, STI testing, or sensitive issues.
- Speed and convenience? Get seen sooner without insurance pre-approvals or paperwork delays.
Whether it’s a simple visit or something more complex, we provide clear upfront pricing so you can make informed decisions.
What’s Included in a Cash-Pay Visit?
Each cash-pay visit includes:
- One-on-one evaluation by a physician
- Focused history and physical exam
- Diagnosis and personalized treatment plan
- Prescriptions, labs, or imaging orders (if needed)
Services are tailored to your concerns. You’ll never be rushed or upsold. If your care requires additional services (like in-office procedures or advanced diagnostics), we’ll review all costs with you before proceeding.
Conditions We Commonly See in Cash Visits
- Cold, cough, sore throat, sinus infections
- Urinary tract infections (UTIs)
- Acne, rashes, and skin issues
- Back or joint pain
- Anxiety or mood changes
- Medication refills
- Minor injuries
- Digestive issues
- STI screening and treatment
- Women’s health concerns
- Men’s health concerns
- Blood pressure or diabetes checkups
- Second opinions
- Annual physicals or college/school forms
Adolescent health visits (ages 12 and above) are also available on a cash-pay basis, including mental health screenings, menstrual health, acne treatment, and private consultations.
How Much Does a Cash-Pay Visit Cost?
We believe in fair, predictable pricing. Our standard visit includes a full evaluation and treatment plan.
- Cash-Pay Office Visit: $190 new patient · $150 returning patient
- Minor in-office procedures: additional, quoted in advance. Wart and skin tag removal is offered at our sister practice, Spectrum Skin Clinic.
All visits are with a physician. No hidden fees. No surprise billing.
Is Cash-Pay Right for Me?
Is Cash-Pay Right for Me?
Cash visits are ideal for:
- Patients without insurance
- Those with high-deductible or catastrophic plans
- Patients who value privacy (e.g., mental health, reproductive health)
- College students or young adults in transition
- Families seeking affordable adolescent care
- Small business owners or independent workers
You don’t need permission from an insurer to take care of your health. We’re here to make it simple.
What About Labs, Imaging, or Referrals?
If additional testing or referrals are needed, we’ll connect you to affordable cash-pay lab and imaging partners in Irvine and surrounding areas. We work closely with local radiology centers, lab services, and specialists who honor self-pay pricing. You’re never alone in navigating next steps.
Why Patients Trust The Pur Health
- Transparent, Upfront Pricing
- No Memberships or Subscriptions
- Same-Day & Next-Day Appointments Available
- Personalized, Non-Rushed Care
- Discreet for Sensitive Issues
We don’t practice assembly-line medicine. Every visit is grounded in compassion, experience, and clinical excellence.
Book Your Self Pay Consult
Book a visit with Sabeen Munib M.D. Prices are shown in the booking window before you book.
How much does a doctor visit cost without insurance in Irvine?
A cash-pay visit with Dr. Munib is $190 for new patients and $150 for returning patients. The price is the same whether you come in for a sinus infection, a physical or a medication review, and it is shown in the booking window before you book.
You pay per visit. There is no monthly fee and no contract.
What the visit price covers
Time with the physician, the exam, a diagnosis and plan, and any prescriptions or lab and imaging orders.
What can cost extra
Lab tests and imaging are paid to the lab or imaging center at their self-pay price. Any in-office procedure is quoted before it is done.
How to pay
Credit, debit, HSA and FSA cards are accepted at check-in.
Cash pay or insurance: which is cheaper if I have a high deductible?
If you have a high-deductible plan and have not met your deductible, you would pay the full billed rate for a sick visit anyway. A fixed cash price lets you know the cost before you walk in.
We are also in-network with most PPO plans, so if you have PPO coverage you can choose to use it instead.
- Ask your plan whether a cash visit can count toward your deductible.
- If you want to submit the visit for out-of-network reimbursement, ask for an itemized receipt.
- Preventive visits such as an annual physical are often covered with no copay on in-network plans, so check that before paying cash for one.
Is this direct primary care (DPC)?
Not exactly. Direct primary care practices usually charge a monthly fee for access to a doctor. At The Pur Health you pay only for the visits you have, at a set price, with no monthly fee.
You still get the same doctor each time. Dr. Munib has cared for patients in Irvine for more than 15 years and keeps your history, labs and medications in one place.
Ongoing care without insurance: blood pressure, cholesterol and thyroid
Many cash-pay patients are between jobs or plans and need someone to keep a long-term condition on track. The visit price is the same for follow-ups, so you can plan the cost of the year ahead.
High blood pressure
After starting or changing a blood pressure medicine, follow-up is usually about monthly until your readings reach goal, then less often. A home blood pressure cuff can cut down on visits.
High cholesterol
Cholesterol is usually rechecked 4 to 12 weeks after starting or changing a statin, then every 3 to 12 months as needed.
Thyroid
Thyroid levels (TSH) are usually rechecked about 6 to 8 weeks after a dose change, then less often once they are stable.
Ask for generic medicines when they fit. Dr. Munib can help you choose options that keep your prescription costs down.
School, sports and work physicals
Dr. Munib does physicals and completes school, sports and work forms for adults and teens 12 and older as a cash-pay visit.
- Bring the form, already filled in where it asks for your details.
- Bring your vaccine record and a list of medicines.
- Bring glasses or contacts if you wear them, for the vision check.
- For sports, book a few weeks before the season starts so there is time for any follow-up.
Sabeen Munib M.D.
MD · Residency at the University of Minnesota
Dr. Munib has cared for patients in Irvine and Orange County for more than 15 years. She focuses on preventive care, chronic disease management and whole-person wellness, and she takes the time to explain what she finds.
- Speaks Urdu and Hindi; our team also speaks Arabic, Farsi and Tagalog
- Sees adults and teens 12 and older
What our patients say
“I've been with Dr.Munib for nearly 10 years and she's been absolutely incredible. She's always available and goes out of her way to help. She's incredibly responsive and has helped me with issues that other specialists couldn't solve. It's so important to have a doctor who is always there for you and goes above and beyond to help and I found that with Dr.Munib. I can't recommend her enough! She's simply amazing.”
“Dr. Munib is an amazing doctor. She listens to your health concerns and addresses them right away. She is very kind and takes her time to listen and explain everything. I’ve always been anxious to visit a doctor’s office, so I’m glad I found Dr. Munib because she is the best!”
“Dr. Munib is a wonderful doctor, always listening and giving spot-on diagnosis, she does not steer us wrong. No nonsense and to the point. My family and I truly appreciate her as a doctor.”
Frequently asked questions
Questions are welcome. Our team is happy to help before you book.
Call (949) 647-5234How much is a doctor visit without insurance?
A cash-pay visit with Dr. Munib is $190 for new patients and $150 for returning patients. Labs, imaging and any procedure are quoted separately before they are done.
Do you take HSA or FSA cards?
Yes. HSA and FSA cards are accepted, along with credit and debit cards.
Is there a monthly fee?
No. You pay per visit, with no monthly fee or contract.
How much are lab tests if I pay cash?
Labs are paid directly to the lab at its self-pay price, which is separate from the visit. Dr. Munib orders only the tests that fit your concern and connects you with local labs that offer self-pay pricing.
Can I get a prescription at a cash-pay visit?
Yes. Prescriptions, refills, lab orders and imaging orders are included in the visit when you need them.
Can I see a doctor today without insurance?
Same-day and next-day cash-pay appointments are often available. Book online or call (949) 647-5234.
Can I be reimbursed by my insurance later?
You can ask for an itemized receipt to submit for out-of-network reimbursement. Whether your plan pays depends on your plan.
Do you see teens for cash-pay visits?
Yes. Dr. Munib sees teens 12 and older for sick visits, physicals, sports forms, acne, periods and confidential concerns.
When should I go to the ER instead?
Call 911 or go to the ER for chest pain, trouble breathing, signs of a stroke such as face drooping or slurred speech, heavy bleeding, or a serious injury. A cash-pay office visit is for problems that are not emergencies.
Have any Questions? Feel Free To Contact Sabeen Munib M.D.
Get in touch and our team will call or email you. You can also call (949) 647-5234.