Fay Price Guarantee: How we go above and beyond to give you confidence in booking

Key Points

• The Affordable Care Act requires insurance companies to pay for nutrition services delivered by board-certified registered dietitian nutritionists.
• 95% of people who see a nutritionist through Fay pay $0 for their session.
• While healthcare providers like Fay can’t always guarantee pricing—due to limited information from insurance companies—our Fay Price Guarantee means we go above and beyond to honor the price shown in our pricing estimation tool.

Challenges with Guaranteeing Prices Across the U.S. Healthcare System

Everyone deserves to know the cost of services upfront, and the U.S. government agrees. The No Surprises Act, passed in 2020, protects patients from unexpected medical bills over $400.

While the law requires insurance companies to share more transparent pricing data, many have not yet fully implemented those changes.

Fay’s pricing estimator uses information provided directly by your insurance company. Because not all insurers can yet deliver complete or real-time pricing data, we may not always be able to guarantee an exact cost. Even when we’re confident your session is covered, insurance regulations can limit what we are legally allowed to confirm in advance.

How Fay’s Price Guarantee alleviates pricing estimation challenges to give you confidence in accessing care

To help you feel more confident about getting the care you need, our team works hard to guarantee the following:

• 95% of patients who book a nutritionist through Fay pay $0 per session.
• Our pricing estimator is up to 5x more accurate than calling your insurance company to verify benefits.
• If we ever get your price estimate wrong, you’ll receive an instant refund—no questions asked, and no hoops to jump through. You can request it with one click from your Billing & Payments tab when logged into Fay.
• If your insurance doesn’t cover the full cost of your session, our billing team will dispute the claim and file a complaint on your behalf. We’re able to reverse or overturn 80% of disputed or erroneous claims.
• We also offer a sliding scale for those who need financial flexibility. If you're unable to pay the amount owed after insurance, we’ll do everything we can to support you, including offering pro bono care when possible.

We’re deeply committed to helping you get the care you deserve as you begin your health journey.

We believe insurance limitations shouldn’t prevent you from accessing services you’re entitled to. Nutrition counseling is a covered benefit under the Affordable Care Act, and we’re here to make sure you can use it.

How does Fay’s pricing tool work?

When you enter your insurance information in our pricing tool, we send it directly to your insurance company to verify your eligibility and coverage. We then gather all available details they provide about the cost of your session.

The results you see come straight from your insurance company. We don’t add or withhold anything — we simply show you exactly what they tell us. That said, we’re actively working with insurance providers to improve the quality and transparency of this data, so you can expect the tool to become even more accurate over time.

Why are cost estimates in healthcare so complicated? 

As mentioned above, we’re limited by the information your insurance company shares with us. Our pricing tool uses data pulled directly from your specific insurance policy to provide the most accurate estimate possible.

Even when that information is incomplete, we go to great lengths to honor the price we’ve quoted, even if it costs us. In fact, we’ve never failed to honor a price estimate. When there’s ever been a discrepancy, we’ve issued full refunds.

While this commitment is costly for us, we believe everyone deserves access to their health benefits and the confidence to book care without fear of surprise bills.

Is there anything else I can do?

Normally, we’d suggest calling the number on the back of your insurance card to better understand your benefits. However, because medical nutrition therapy (MNT) is still an underutilized benefit, we’ve found that our pricing estimator is up to 5x more accurate than the information insurance companies typically provide over the phone.

The best way to take full advantage of this benefit is by booking through a trusted network like Fay that specializes in nutrition care and has a proven track record of getting these claims covered.

If insurance companies are required to provide pricing transparency, why don’t they always guarantee the cost of nutrition services?

The No Surprises Act was passed relatively recently, and insurance companies have focused first on high-cost services like emergency room visits and surgeries. Since nutrition therapy sessions are generally affordable and often fall below the Act’s $400 billing threshold, they haven’t been prioritized in the same way.

As a result, not all insurance companies provide clear, upfront pricing for nutrition services — even though they’re covered.

Should you get care?

If you believe working with a nutritionist can help you take control of your health, don’t let a small amount of price uncertainty stand in your way.

Thanks to the Affordable Care Act, most insurance plans are required to cover nutrition counseling. So if you’re insured, there’s a good chance your sessions will be fully covered — or cost very little.

Investing in your health now can help you avoid more serious and costly medical issues later. A small step today could make a big difference tomorrow.

Fay makes it easy to book an appointment with a vetted, board-certified nutritionist, and we guarantee that all providers in our network accept your insurance. Get started today.