Our Insurance-Free Model

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Putting Healthcare Back In Your Hands

YOU should be the decision-maker for YOUR healthcare!

Spectrum Dermatology is taking a novel approach to your skin care needs. Many patients experience barriers to quality healthcare imposed by health insurance plans, who actually value money over health and well-being. We believe that every patient has the right to make their own healthcare decisions. We put the power of your healthcare back into your hands by utilizing a direct care model. The direct care model is an insurance-free, patient-centric approach that allows for upfront, transparent, reasonable pricing along with exceptional convenience and accessibility to quality care. Price transparency is essential and a top priority in the direct care model.  Unlike insurance-based healthcare models, our fees are known PRIOR to treatment. There are no copays, no surprise bills, no arguing with your insurance company.

With this model, adequate time is spent with each patient to discuss concerns, treatment plans, and preventative measures. YOU become the focus of your healthcare again. We are able to minimize wait times, both to schedule appointments and once you arrive for your visit. At the completion of your appointment, you should feel confident that you have been heard, your concerns addressed, and have full understanding of your treatment plan.

At Spectrum Dermatology, the direct care, insurance-free model ensures convenient, accessible, transparent, quality care for every patient. We cannot wait to be a part of your skincare team!

Frequently Asked Questions

“I’d like to make an appointment. Do you accept _________ insurance?”

We are happy to care for every patient, regardless of your insurance coverage. Dr. Crute is an independent physician and works directly for her patients. She is not contracted with any insurance carriers and does not submit insurance claims. We welcome you to use your out-of-network insurance benefits, such as an HSA or FSA account, to pay for non-cosmetic services. We have affordable, transparent fees for all patients, and payment is due at the time of service.

“What types of payment are accepted at your practice?”

  • Cash
  • Check
  • Credit Cards (Visa, Mastercard, Discover, American Express)
  • Health Savings Account Funds (for non-cosmetic services)
  • Flexible Spending Account Funds (for non-cosmetic services)
  • Venmo

“What happens if I need a prescription, labs, or a biopsy? Can I use my insurance for these items?”

You can utilize your health insurance benefits for all of your prescriptions, labs, or pathology services that are needed for your care if you choose. You will never see any surprise bills from Spectrum Dermatology regarding any of these items. These are managed independently of your office visit fees, which are due at the time of service.

If you do not have health insurance coverage, or if you have a high deductible plan, Spectrum Dermatology has reasonably priced self-pay options for obtaining these items, if needed. We do offer access to some prescription medications which can be filled directly in our office, saving patients time and money if they utilize this option.

“Why should I get care at an office that does not accept my insurance?”

The benefits of utilizing a direct pay, or insurance-free, practice are numerous. We offer convenience, accessibility, transparency, and quality of care that is oftentimes lost in typical insurance-based practices. Our low wait-times, convenient scheduling, adequate face-to-face time with Dr. Crute, and complete price transparency are unique to this approach.

The direct pay model is ideal for any patient who needs or wants to be seen quickly (typically within a week), would like more than 3-5 minutes with the physician, and/or has multiple issues that they would like addressed in one visit.

If your insurance plan includes high specialist copays, high deductibles, or restrictions on where you can seek care, the direct pay route is almost always more convenient and typically has significantly lower out-of-pocket expenses than utilizing your insurance.

“Why do I have to put a credit card on-file to book an appointment online?”

Having a credit card on-file is a common practice in medical practices, especially for specialists. This policy serves a few purposes. This policy helps to reduce patient no-show rates, which translates to quicker, more convenient scheduling for patients who need to book an appointment. It also serves as a convenient, touch-free option to pay for your visit at check out (if you desire to use the same credit card).

There will never be any charges to the credit card account outside of what is discussed and agreed upon during your visit. This highlights one of the huge benefits of going to a direct pay practice; there are no surprise bills or charges!


Easy and Convenient Location

Located in the Heart of Rocky River, Spectrum Dermatology is easy to get to. If you need directions, click the Google map for instructions.

Skin care consultations with Dr. Crute

We will determine an ideal approach to address specific skin concerns, goals and desired outcomes.

Spectrum Dermatology Testimonials

  • "She was very friendly and explained everything she would be doing. She was very patient and answered all of my questions. Great experience."

    M. G. – Feb 25, 2020
  • "Very personable physician that provided detailed and thorough explanations to my concerns. I felt heard and was satisfied by the service provided."

    K. W. – Feb 05, 2020
  • "Dr. Crute is very thorough, kind, and quick. I was in and out and I am very happy with my experience."

    J. G. – Feb 03, 2020
  • "Dr. Crute is attentive, calm and caring. She considers all aspects of your health when recommending and prescribing a course of treatment. Highly recommend."

    M. B. - Dec 23, 2020
  • "Dr. Meghan Crute is phenomenal. She is extremely knowledgeable and has perfect bedside manner. She is genuinely caring and always listens to my skincare concerns patiently. She is on top of medical advances in dermatology and is highly respected specialist among her colleagues. Everyone in her office is very friendly and respectful. I love going to her office because it has such a warm and welcoming atmosphere. As a grateful patient of Dr. Crute, I wholeheartedly recommend her to other patients."

    T. G. - November 2022
  • "I have been to 8 dermatologist over the last 25 years and Dr. Crute is the best one I have visited. I followed her from Westlake to Medina and now to Rocky River. Unlike others, she has looks find the problem and then will remediate it in the least invasive manor possible -- unlike others who start by cutting first. My family now goes to see her and are delighted with her compassionate approach to HEALING."

    S. P. - November 2022
  • "Great first experience with Dr. Crute! She was knowledge, thorough, kind, and was able to address both of my issues. Looking forward to continuing with this doctor's office for my annual checkups - everything is electronic/streamlined and quick. Thanks, Dr. Crute!"

    A. S. - June 2022
  • "Dr. Crute is the dermatologist everyone needs! She spends plenty of time with you, is incredibly knowledgeable, and has helped my skin feel better than it has in years. I also love the style of her practice. I feel like I'm taking my care into my own hands, and never have to wait for appointments or insurance. Can't say enough good things!"

    Marie - December 2021
  • "This was by far the best experience I've ever had at any medical practice. From the reception desk to the examination room, Spectrum Dermatology embodies what true patient care is all about. Dr. Meghan Crute's bedside manner is top notch, which is what truly sets a great physician apart from the rest. She was kind, empathetic, knowledgeable - with a remarkable clinical acumen. No hype, just the truth! Spectrum Dermatology is my new home for dermatological care. Thank you, Dr. Crute!"

    A. L. - 2021
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