Empowering Patients, Curing High Healthcare Costs
At CostCures we believe that access to healthcare should be convenient, transparent, and affordable for everyone. Our mission is to cure the high cost of healthcare by bringing patients seeking low-cost healthcare together with providers willing to discount services in exchange for self-payment.
Discover CostCures
What We Do
CostCures reduces healthcare costs by providing convenient access to providers in your area and throughout the country willing to accept self-pay cash, credit cards, checks, or Health Savings Account debit cards instead of insurance.
For Patients
Easily find and compare low-cost medical tests, labs and procedures with transparent pricing and access to expert support by medically trained concierges.
For Providers
Attract self-pay patients, avoid insurance delays, and stay compliant with pricing transparency laws.
For Employers
Reduce the cost of employee health care benefits and boost satisfaction by offering them access to self-pay pricing tools.
Meet the CostCures Team
At CostCures, we bring together a diverse team of experts in healthcare, technology, and business development to create a patient-first healthcare platform. Our mission is simple: to cure the high cost of healthcare.
Mary Murphy, M.Ed.
Co-Founder & Chief Executive Officer
Mary has received numerous company and industry awards and is a successful entrepreneur with a distinguished career in technology. She has held senior management roles at ITT, IBM, Digital Equipment Corporation, and several technology startups. Mary has received numerous awards, including the Electronic Messaging Association Leadership Award, and was elected to the New Hampshire House of Representatives in 2024. Mary co-founded CostCures Corporation in 2025.
Kenneth Steiner, MD, MBA
Co-Founder & Chief Medical Officer
Dr. Kenneth Steiner is an emergency medicine expert with an MD and MBA from the University of Tennessee. He also completed a Clinical Fellowship at Harvard University. With years of experience in emergency medicine, Dr. Steiner has served as Associate Director of Emergency Medicine at NY Medical College. He is Board Certified by the American Board of Emergency Physicians and has contributed to the Encyclopedia of Medical Economics.
Susan Arscott
Chief Financial Officer
Susan brings over 30 years of experience in business, technology, and hospital management to CostCures. She has held leadership roles at HP, Hitachi Data Systems, and multiple hospitals, with expertise in financial management and accounting. Susan oversees the financial health of CostCures and ensures long-term sustainability.
Russell Karlberg
Chief Technology Officer
Russ Karlberg, a graduate of MIT with a B.S. in Cognitive Science, is a seasoned expert in user interface design, data science, and AI. He has worked as a technology consultant for Bayer A.G. and Johnson & Johnson. CostCures is partnering with Google to develop an easy-to-use, scalable database that can support trillions of prices and healthcare data.
Michael T. Murphy
Secretary & Software Engineer
Michael Murphy, with a B.S. in Chemical Engineering from Rensselaer Polytechnic Institute, has over 19 years of experience as a quality assurance software engineer. He worked with Lotus Development Corporation and IBM Corporation before transitioning to financial consulting, where he analyzed financial data and business operations for Charles Schwab.
Stephanie McDowell, BSN, RN
Medical Coder & Medical Concierge Lead
Stephanie McDowell is a registered nurse with 26 years of experience including 14 years as a Utilization Review Nurse. She has a deep understanding of medical coding systems (ICD-10, CPT, HCPCS) and leads the CostCures Medical Concierge Team, ensuring accurate coding and transparent billing practices.
Karen Reid, AS, RN
Registered Nurse & User Experience Specialist
With over 35 years of nursing experience, Karen Reid brings a clinical perspective to CostCures, ensuring the platform meets the needs of both patients and healthcare providers. Karen is also pursuing medical coding certification and has a background in public health, urgent care, and hospital settings. She also has valuable expertise in healthcare legislative policy, gained through her role as a New Hampshire State Representative.
Kenneth Steiner, MD, MBA
Co-Founder & Chief Medical Officer
Dr. Kenneth Steiner is an emergency medicine expert with an MD and MBA from the University of Tennessee. He also completed a Clinical Fellowship at Harvard University. With years of experience in emergency medicine, Dr. Steiner has served as Associate Director of Emergency Medicine at NY Medical College. He is Board Certified by the American Board of Emergency Physicians and has contributed to the Encyclopedia of Medical Economics.
Susan Arscott
Chief Financial Officer
Susan brings over 30 years of experience in business, technology, and hospital management to CostCures. She has held leadership roles at HP, Hitachi Data Systems, and multiple hospitals, with expertise in financial management and accounting. Susan oversees the financial health of CostCures and ensures long-term sustainability.
Russell Karlberg
Chief Technology Officer
Russ Karlberg, a graduate of MIT with a B.S. in Cognitive Science, is a seasoned expert in user interface design, data science, and AI. He has worked as a technology consultant for Bayer A.G. and Johnson & Johnson. CostCures is partnering with Google to develop an easy-to-use, scalable database that can support trillions of prices and healthcare data.
Michael T. Murphy
Secretary & Software Engineer
Michael Murphy, with a B.S. in Chemical Engineering from Rensselaer Polytechnic Institute, has over 19 years of experience as a quality assurance software engineer. He worked with Lotus Development Corporation and IBM Corporation before transitioning to financial consulting, where he analyzed financial data and business operations for Charles Schwab.
Stephanie McDowell, BSN, RN
Medical Coder & Medical Concierge Lead
Stephanie McDowell is a registered nurse with 26 years of experience including 14 years as a Utilization Review Nurse. She has a deep understanding of medical coding systems (ICD-10, CPT, HCPCS) and leads the CostCures Medical Concierge Team, ensuring accurate coding and transparent billing practices.
Karen Reid, AS, RN
Registered Nurse & User Experience Specialist
With over 35 years of nursing experience, Karen Reid brings a clinical perspective to CostCures, ensuring the platform meets the needs of both patients and healthcare providers. Karen is also pursuing medical coding certification and has a background in public health, urgent care, and hospital settings. She also has valuable expertise in healthcare legislative policy, gained through her role as a New Hampshire State Representative.
How We're Built
Secure, Accessible, and Patient-Centered
CostCures software is a proprietary scalable database and AI-assisted search engine that expedites a patient's ability to locate and compare self-pay prices for necessary procedures or labs.
HIPAA-Compliant & Secure
We collaborated with a Google Premium Business Partner to host our platform in Google’s secure, scalable cloud environment that provides cybersecurity, system reliability and protects provider pricing and patient personal health information confidentiality.
Where We're Based
Our headquarters is located in business-friendly New Hampshire with remote teams in Florida and North Carolina--developing a nationwide solution with local care in mind.
Self-Pay Pricing Explained
What does “Self-Pay” really mean, and why does it matter?
Self-pay (also known as cash pricing) allows patients to pay healthcare providers directly using cash, credit, or debit—often at rates 40–70% lower than those charged to insurance companies.
For Patients
Have high deductibles, no insurance, non-covered service, or out-of-network care? Use our search to reduce out-of-pocket expenses and connect directly with providers.
For Providers
Prefer upfront payments? Skip billing delays, prior-authorizations and reimbursement hassles. Get patient referrals from our company and payment at time of service.
For Employers / Membership Organizations
Provide your employees and their families with a valuable healthcare benefit while reducing insurance plan costs. Provide members and their families with a new benefit that saves them money on healthcare.
That means patients can save significantly on labs, imaging, and more—while providers benefit from faster, simpler transactions. CostCures transforms healthcare by making pricing more transparent and accessible to patients while helping high quality providers grow their practice through new patient referrals.
Have Questions About How It Works?
Explore how to save on care without insurance delays and denials.
Understanding healthcare shouldn't feel like decoding fine print. Whether you're wondering how CostCures pricing works, who can use the platform, or what self-pay really means—we’ve got answers, without the insurance hassle.
Services limited to outpatients only services. We do not offer any inpatient pricing.
Get in touch today!
Have a question, need help, or want to partner with us? We’d love to hear from you. Use the form below to send us a message, or reach out directly.