Research notes
Notes on how a program bill is built
Short pieces, each tied to the records rather than to a general claim about pricing. Every one describes arithmetic or a documented practice; none recommends or rules out a treatment.
Oct 14, 2026 · 4 min
The 28-day cycle is the quietest cost in hormone therapy billing
Twelve cycles a year is 336 days. The thirteenth charge is not a fee increase; it is arithmetic.
Read the noteOct 8, 2026 · 5 min
What 'labs included' means when you read a price list
The phrase appears on almost every program page. It rarely says which labs, how often, or who pays when the panel is repeated.
Read the noteSep 30, 2026 · 4 min
Pellets are priced per visit, and that changes the annual number
A pellet insertion is billed per visit, not per month. On a $450 charge every 90 days the derived figure is $152.19 a month, an illustration of the arithmetic, not a price in this record set.
Read the noteSep 22, 2026 · 3 min
A membership that is 'included' is not free
When a membership sits inside the plan price, the plan is one charge, not two stacked on top of each other.
Read the noteSep 15, 2026 · 4 min
The blank field problem: why a missing price is never averaged
Averages are how a comparison quietly invents the data it could not find.
Read the noteSep 4, 2026 · 4 min
What a combined plan hides, and what it does not
One membership for two medicines is genuinely cheaper than two memberships. It also removes a price from the table.
Read the noteLast modified Oct 23, 2026