“Should I pay cash for this?”
Kaiva equips you to navigate US healthcare.
Plain answers about cost, coverage, and care — from an AI that works for you, not for an insurer, a hospital, or an ad network.
MRI on my knee next month. My deductible is $3,000 and I’ve only paid $400 of it so far. Should I pay cash?
Likely yes. Cash price at three imaging centers near you: $375–$525. Your plan’s negotiated rate is about $1,100 — and with $2,600 of deductible left, you’d pay all of it.
Cash saves you roughly $600. One catch: it won’t count toward your deductible. Want me to weigh that against the rest of your year?
You’re already paying for health insurance. You’re probably not getting everything you’re paying for — and nobody tells you what things cost until it’s too late.
What Kaiva does for you
Plan your year
See a clear forecast of the care ahead of you, and how to get what you need without overpaying.
Understand your insurance
We scan your policy to surface benefits you didn't know you had.
Find great doctors and more
Get the care you need from clinicians near you — searchable below, today, without an account.
Try it now ↓Try it now — find a clinician
This is a live search over Kaiva’s own provider directory — 55,000+ New York City clinicians, no account needed. Pick a specialty, pick a borough, start typing.
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Live directory data: New York City clinicians · directory vintage April 2026 · identity records from CMS/NPPES via Kaiva’s data pipeline. A directory search, not a recommendation — confirm details with the practice.
Cost answers on top of this directory are what we’re building next. Join the waitlist →
How it works
Say what you're facing
“MRI next month” is enough to start — a question, a bill, a diagnosis you're trying to plan around.
Add as much as you like
Location, insurance, household details — every bit sharpens the answer. Skip anything you'd rather not share.
Get numbers you can act on
Our best estimate, the why behind it, and what to do next. If you just want a quick quote, we do that, too.
A Public Benefit Corporation — legally bound to serve your interests, not shareholders’
The Kaiva Health Project exists because no one should have to become an expert in medical billing to avoid financial ruin. We are building AI that works for you — not for your insurer, not for your hospital, not for an ad network. A compass you own, pointed wherever you need to go.
Kaiva explains the costs of care so that you can decide. We’re not perfect (no one is), but we do only one thing: putting you in control of your own health.