Empowering Patients, Curing High Healthcare Costs
Cost Cures is making healthcare convenient, transparent, and affordable. We strive to cure the high cost of care by giving patients an easy way to find providers who accept self-payment via credit card, debit card, or other methods. Self-payment prices are typically up to 70% less than typical insurance or Chargemaster rates for the same procedure or lab. No hidden fees. No surprise bills. Just transparent pricing and real savings.
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 Cost Cures, our multidisciplinary team of healthcare, technology, and finance experts is deeply committed to our mission: curing the high cost of healthcare.
Mary Murphy
Chief Executive Officer and Co-Founder
Mary is a successful serial entrepreneur and Fortune 500 corporate executive with a distinguished career in technology marketing and finance. She has held senior management roles at ITT/Hartford Insurance Group, Digital Equipment Corporation, IBM/Lotus Development Corporation, and several technology startups. Mary has received numerous industry and company awards including the Electronic Messaging Association Leadership Award for contributing to the advancement of electronic mail and related technologies. In 2024, she was elected to the New Hampshire House of Representatives. Mary co-founded Cost Cures Corporation in 2025.
Kenneth Steiner, MD, MBA
Chief Medical Officer and Co-Founder
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 many 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. Dr. Steiner has also served for five years on the Black Health Trust Advisory Board.
Susan Arscott
Chief Operating Officer and Co-Founder
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 general operations of Cost Cures 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. Cost Cures is partnering with Google to develop an easy-to-use, scalable proprietary database and high performance AI-assisted search that enables rapid patient access to trillions of self-pay prices, provider information, and discounted healthcare products and services.
John Schneller, MBA, MPA
Chief Financial Officer
After receiving a BA from UMass Amherst, an MBA from Cornell University, and an MPA from Suffolk University, John started his career in New York on Wall Street and has three decades of experience in financial analysis, technology, and executive management positions, as well as technology startup experience. John was elected to the New Hampshire House of Representatives in 2024 where he serves on the Science, Technology and Energy Committee and is a member of the Emerging Technology Caucus.
Michael T. Murphy
Corporate Secretary and 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 for Lotus Development Corporation in the United Kingdom and IBM Corporation before transitioning to financial consulting, where he analyzed financial data and business operations for a Charles Schwab franchise.
Kenneth Steiner, MD, MBA
Chief Medical Officer and Co-Founder
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 many 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. Dr. Steiner has also served for five years on the Black Health Trust Advisory Board.
Susan Arscott
Chief Operating Officer and Co-Founder
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 general operations of Cost Cures 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. Cost Cures is partnering with Google to develop an easy-to-use, scalable proprietary database and high performance AI-assisted search that enables rapid patient access to trillions of self-pay prices, provider information, and discounted healthcare products and services.
John Schneller, MBA, MPA
Chief Financial Officer
After receiving a BA from UMass Amherst, an MBA from Cornell University, and an MPA from Suffolk University, John started his career in New York on Wall Street and has three decades of experience in financial analysis, technology, and executive management positions, as well as technology startup experience. John was elected to the New Hampshire House of Representatives in 2024 where he serves on the Science, Technology and Energy Committee and is a member of the Emerging Technology Caucus.
Michael T. Murphy
Corporate Secretary and 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 for Lotus Development Corporation in the United Kingdom and IBM Corporation before transitioning to financial consulting, where he analyzed financial data and business operations for a Charles Schwab franchise.
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.