Where each model wins on economics
Quote-driven pricing can win when a clinic's volume is high enough to extract aggressive negotiated rates, and when the buyer is comfortable committing before seeing per-vial cost. The upside is concentrated buying power; the risk is that the rate is unverifiable up front and may pair with fees or minimums that change landed cost. Pass-through pricing wins when a clinic needs to quote cash-pay patients on landed cost before the consult, wants to verify that drug cost is not marked up, and values seeing the number on every SKU before ordering. Its limit is that it depends on the underlying 503A cost rather than a separately negotiated discount.
Most cash-pay clinics care most about one thing: knowing per-vial cost before they set patient pricing. That single requirement tends to favor a pass-through model, because a quote that arrives after onboarding cannot inform pricing you need to set during evaluation. But a high-volume operation already comfortable with negotiated contracts may rationally prefer the quote path — the right answer depends on the clinic, not the marketing.