doctor's office visit without insurance

How Much Does a Doctor Visit Cost With and Without Insurance?

Without insurance, medical care can get pricy fast. Where you live, what doctor you’re going to, and what tests you need will all figure into your doctor’s visit bill. In this article, we’ll break down those costs and give you some tips for saving money.

What Goes into the Cost of a Doctor’s Visit?

Geography is one of the biggest factors in the price of a doctor’s visit. Most medical facilities pass some of their overhead expenses onto their patients. If you live somewhere with a higher cost of living, like California or New York City, you’ll likely pay more for doctors’ visits. The practice has to pay more for utilities and rent, and those costs show up in your bill. For example, Mayo Clinic’s Patient Estimates tool quotes $846 for a 60-minute office visit in Jacksonville, Florida, but $605 for the same visit in Wisconsin.

Like the cost of living, supplies and equipment will also end up on your tab. Say you need a strep test, blood draw, or Pap smear. The supplies needed for the test plus the cost of the lab fees will all figure into the price.

Bills for the same exams and procedures can also vary depending on what kind of facility you’re going to. Smaller practices and public health centers are often a lot cheaper than university or private hospital systems. This is due in part to their buildings being smaller and their overhead fees being lower.

Price of Out-of-Pocket Doctors’ Visits

The cost of a doctor’s office visit also depends on what kind of doctor and the procedure you need to have done. For example, an in-office general wellness checkup will be cheaper than a specialist procedure. If you have an emergency, an urgent care center will be much more affordable than the emergency room.

Primary Care Physician — Physical Exam

Physicals usually include blood pressure readings, cholesterol measurements, and vaccines. Prostate exams for men and Pap smears and breast exams for women are also often included. Pediatric physicals focus on the growth milestones for your child’s age. Doctors check height, weight, sleep patterns, diet, and the vaccines required by public schools.

The range for a yearly physical can be anywhere from $100 to $250 or more without insurance. A CVS Minutecare Clinic may charge just $59 for a sports physical, but not all organizations will accept this as proof of physical health.

Primary Care Physician — Procedures

On top of the base cost for physical exams, you may have extra charges for any specific tests or procedures you need. According to the Cardiometabolic Health blog, the most common procedures in primary care medicine include bloodwork, electrocardiograms, and vaccines/injections.

Bloodwork is one of the biggest cost wild cards. Certain tests can run you from as little as $10 to as much as $10,000 . Large national labs like Labcorp offer pricing on their website, so you know what to expect going in. For example, Labcorp’s General Health Blood Test , which includes a metabolic panel, complete blood count (CBC), and urinalysis, costs $78.

Electrocardiograms or EKGs check your heart health and can find cardi ac issues. This quick procedure involves monitoring your heartbeat through electrodes placed on your skin. While it’s a painless and accurate way to detect heart conditions, the costs can add up without insurance. Expect to pay as little as $410 or as much as $1700 for this procedure, depending on local prices.

Vaccines are often required before sending your kids to school. The CDC publishes a vaccination price list annually to give you an idea of what to expect. For example, they quote $19-$132 for DTaP, $21 for Hepatitis A, and $13-$65 for Hepatitis B. The COVID-19 vaccine, however, is free of cost, regardless of insurance status.

Urgent Care Visit

If you have an emergency but are stable, urgent care is much cheaper than the emergency room. According to Scripps , most urgent care centers and walk-in clinics can at least treat dehydration, cuts or simple fractures, fever, flu, strep, and UTIs. Note that if you have chest pain, a serious injury, seizures, a stroke, or pregnancy complications, you should go straight to the ER .

For a base exam at an urgent care facility, expect to pay between $100-$150 . That price will go up depending on what else you need. For example, Advanced Urgent Care in Denver quotes $80 for an X-Ray, $50 for an EKG, $135 for stitches, and $5 for a urinalysis. In comparison, expect to pay $1,000-$1,300 for the same procedures in the emergency room.

How to Lower Your Out-of-Pocket Medical Costs

Healthcare expenses may seem overwhelming without insurance. Luckily, there are many resources available to help you cover the costs.

Free & Low-Cost Immunization and Wellness Clinics

For standard vaccines and checkups, look for local free or low-cost clinics. Check out The National Association of Free and Charitable Clinics’ search tool to find a location near you. Your city’s public health department should also offer free or low-cost vaccines and basic medical care services.

Certain large vaccine manufacturers also offer vaccine programs. For example, Merck’s patient assistance program offers 37 vaccines and medicines free to eligible patients. The program includes albuterol inhalers and vaccines for Hepatitis A, Hepatitis B, MMR, and HPV.

Cash Negotiations

Most health systems offer lower rates for patients paying cash. Some even have free programs for low-income families. For example, Heritage UPC in North Carolina has a yearly membership for low-cost preventative care. In Northern California, the Sutter Health medical system offers full coverage for patients earning 400% or less of the Federal Poverty Income Guideline .

As of January 1, 2021, all hospitals in the United States now have to follow the Hospital Price Transparency Rule . That means they have to list procedure prices clearly on their website. You can also call medical billing before your appointment to discuss cash pay options.

Federal Medical Payment Support

If all else fails, there are federal programs to help you cover the cost of medical bills.

Organizations like The United Way and United for Alice offer grants for ALICE (asset-limited, income-constrained, employed) patients. These are people living above the poverty level, making them ineligible for other government programs but below the basic cost-of-living threshold.

Medicaid is available for children, pregnant women, and adults under a certain income threshold. If your income is too high to qualify for Medicaid but you can’t afford private insurance for your children, you may be eligible for the Children’s Health Insurance Program (CHIP) to cover your children’s medical care.

Use Compare.com for the Best Doctors’ Visit Prices

Navigating bills for a doctor’s visit can feel overwhelming, but Compare.com is here to help. With our price comparison tool, you can search all clinic and doctors’ office prices in your area. Compare makes sure you’re prepared for the cost of your checkup long before you schedule your appointment.

Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more.

As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.

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Price Transparency

How much does a doctor’s visit cost without insurance.

According to the Agency for Healthcare Research and Quality, the average cost of a visit to the doctor’s office in 2016 was $265, with expenses ranging from $159 to $419 depending on the specialty.

• At an urgent care center you can expect to pay between $100-200 to see a provider, plus the cost of any treatments or testing you may need.
• Always ask for pricing information before you agree to any testing or treatment. You are entitled to this information.

Going to the doctor for any reason can be expensive. Without insurance, you can expect to pay approximately anywhere from $50–$350 just for a routine medical exam, which doesn’t include additional expenses such as x-rays , blood tests, or other lab work.

The cost of a doctor's visit

According to Solv’s Chief Medical Officer, Dr. Rob Rohatsch, the cost of a doctor’s visit can vary widely depending on factors such as:

• The type of doctor you are seeing
• The reason for your visit
• Where you see the doctor, for example, if you go to an urgent care facility or a doctor’s office
• Whether you are a new or established patient
• Any necessary tests or treatments
• Whether you need lab work

Visits to specialists such as primary care providers, pediatricians, and psychiatrists were lower than the average cost, while the most expensive doctor’s visits were for orthopedists and cardiologists.

Data from the Agency for Healthcare Research and Quality indicates that if you are visiting a doctor and don’t have insurance, you can expect to pay roughly the following amounts. The cost could vary depending on the factors listed above.

• Psychiatry: $159
• Pediatrics: $169
• Primary care: $186
• Dermatology: $268
• OB/GYN: $280
• Ophthalmology: $307
• Cardiology: $335
• All other: $365
• Orthopedics: $419

Additionally, if you are a new patient, there may be an additional charge associated with your new patient exam.

Where to see a doctor without insurance

If you don’t have insurance, the cost of your doctor’s visit can also be affected by where you go to see the doctor. There are many places you can seek medical care, some of which are more affordable than others, notes the Agency for Healthcare Research and Quality:

• Community health clinics often provide free medical care or low-cost care, including preventive care, health screenings, and vaccinations .
• Urgent care centers offer many health services. Many don’t require appointments, although your wait time may be less if you schedule an appointment in advance. You can expect to pay around $100 - $200 to see an urgent care provider, plus the cost of any treatments or testing you may need.
• Many health care facilities now offer telehealth services, which are often more convenient and more affordable. For some conditions, however, you may need to be seen in person for proper diagnosis and treatment.
• If your medical need is not urgent, and you know the type of doctor you need to see, you can schedule an appointment with a primary care physician or a specialist at their office. Be sure to ask about their payment policy in advance. If you don’t have insurance, you may be required to pay the entire bill at the time of service.
• If you have a medical emergency, you can visit the nearest emergency room. Even if you don’t have insurance, you will be able to receive treatment. However, this is typically the most expensive option. If you have a non-emergency medical condition that can wait until you can be seen at one of the other options, you will likely save money.

Paying self-pay prices for doctor’s visits

Even if you have insurance, you may be able to save money by paying cash for certain medical services. While preventive care may be covered at 100% by your insurance company, other tests and treatments may be applied to your deductible. If you have a high deductible and don’t expect to meet it – especially if it’s late in the calendar year – paying cash for your medical care may be a cheaper option.

Most doctor’s offices and health care providers charge a higher price when they bill the insurance company. For example, they may charge the insurance company $70 for a treatment or service, but if the patient is paying cash, they may only charge $60. This is known as the self-pay price . If you pay cash, the claim won’t be submitted to your insurance company, but you could end up saving money.

Always ask for pricing information before you agree to any testing or treatment. You are entitled to this information. As of 2021, hospitals are required to disclose self-pay prices, even when the patient has insurance. If the doctor’s office won’t provide you with this information, be persistent, or seek care somewhere else. If you plan on paying self-care prices, you aren’t limited to the providers in your insurance network. You’ll have a wider range of options to choose from, and you can choose a provider who is willing to provide fair, clear prices.

Let your doctor’s office know that you are paying out of pocket, and ask if they offer a discount for self-pay patients. Many doctor’s offices will offer special rates for patients who are paying cash or who do not have insurance; however, they may not advertise these rates, so it’s always a good idea to ask.

Know what you’ll pay ahead of time with Solv ClearPrice TM

According to Healthcare Finance News, more than half of Americans avoid going to the doctor when they’re sick due to high medical costs or unclear costs. Solv is committed to eliminating surprise medical bills with Solv ClearPrice™ . We partner with thousands of providers across the country who have agreed to display self-pay prices for their services. When you book an appointment on Solv, you will be able to see the self-pay price for many common services.

To schedule an appointment, search our directory for a provider in your area. Begin typing the service you are looking for, and choose from the list of options that appear. If you aren’t sure which type of doctor you need to see, you may want to try an urgent care clinic or a walk-in clinic . In many cases, you can schedule an appointment quickly and conveniently online, and many of our providers have same-day or next-day appointments available.

Frequently asked questions

What factors affect the cost of a doctor's visit, what is the average cost of a visit to the doctor’s office, are there any additional charges for new patients, where can i seek medical care if i don't have insurance, what is the self-pay price, are hospitals required to disclose self-pay prices, can i get a discount if i'm paying out of pocket, what is solv clearprice™.

Michael is an experienced healthcare marketer, husband and father of three. He has worked alongside healthcare leaders at Johns Hopkins, Cleveland Clinic, St. Luke's, Baylor Scott and White, HCA, and many more, and currently leads strategic growth at Solv.

Dr. Rob Rohatsch leverages his vast experience in ambulatory medicine, on-demand healthcare, and consumerism to spearhead strategic initiatives. With expertise in operations, revenue cycle management, and clinical practices, he also contributes his knowledge to the academic world, having served in the US Air Force and earned an MD from Jefferson Medical College. Presently, he is part of the faculty at the University of Tennessee's Haslam School of Business, teaching in the Executive MBA Program, and holds positions on various boards, including chairing The TJ Lobraico Foundation.

Solv has strict sourcing guidelines and relies on peer-reviewed studies, academic research institutions, and medical associations. We avoid using tertiary references.

• Agency for Healthcare Research and Quality: Expenses for Office-Based Physician Visits by Specialty and Insurance Type, 2016 https://meps.ahrq.gov/data_files/publications/st517/stat517.shtml
• Hospital Price Transparency, Centers for Medicare and Medicaid (2022) https://www.cms.gov/hospital-price-transparency
• More than half of Americans have avoided medical care due to cost (2019) https://www.healthcarefinancenews.com/news/more-half-americans-have-avoided-medical-care-due-cost
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• primary care
• healthcare costs
• health insurance
• urgent care

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No Insurance? How to See a Doctor Without Insurance

Shop around, ask about cash discounts and consider community health centers and free clinics.

This article is based on reporting that features expert sources.

8 Tips for Getting Medical Care Without Insurance

Millions of people in the U.S. live without health insurance, a circumstance that can cause people to weigh the need to see a doctor against the cost. Unfortunately, many people will put off or do without medical care because they can't afford it, a decision that could jeopardize their health.

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While the Affordable Care Act has boosted the number of Americans with insurance, millions remain uninsured. In 2018, 27.5 million people – more than 8% of the U.S. population – were uninsured, according to the U.S. Census Bureau. Private health insurance covered 67% of Americans. Those without health coverage face the dilemma: Where can I go for medical care without insurance?

The Coverage Gap

In addition to the people who are uninsured, millions are underinsured, according to a survey by the Commonwealth Fund. Among people with health insurance, 29% were underinsured in 2018, compared to 23% in 2014, according to the fund's Biennial Health Insurance Survey: "People who are 'underinsured' have high health plan deductibles and out-of-pocket medical expenses relative to their income and are more likely to struggle paying medical bills or to skip care because of cost."

The survey found that 41% of underinsured adults reported they delayed needed medical care because of cost. By contrast, 23% of people with adequate insurance coverage said they delayed such treatment. Also, 47% of underinsured adults reported medical bill and debt problems.

Tips for Finding Affordable Medical Care

If you're uninsured or underinsured, here are eight strategies for finding affordable medical care:

• Research your eligibility for insurance.
• Shop around.
• Agree to a price in writing.
• Ask about a cash discount.
• Keep good records.
• Be prepared.
• Consider community health clinics.
• Think about urgent care centers.

1. Research your eligibility for insurance.

Depending on your situation, you might be eligible to buy individual health insurance coverage from the ACA marketplace or in the individual market, or you might qualify for Medicaid, Medicare or the Children's Health Insurance Program for your kids, says Kim Buckey, vice president of client services at DirectPath, a company that provides personalized health benefits education and enrollment services to large employers.

2. Shop around.

Prices for health care appointments and procedures vary dramatically, with differences of up to 2,000%, says Bill Kampine, co-founder and senior vice president, analytics and innovation, for Healthcare Bluebook. The company's client base includes municipal and large self-insured employers. It also offers a free online tool that individuals can use to comparison shop for health care services by region.

3. Agree to a price in writing.

4. Ask about a cash discount.

5. Keep good records.

6. Be prepared.

7. Consider community health centers and free clinics.

There are a number of health care providers that provide services at little or no cost to those who are eligible, says April Temple, an associate professor of health sciences at James Madison University in Harrisonburg, Virginia.

8. Also, think about urgent care centers.

Nationwide, there's been a meteoric rise in the use of urgent care centers in recent years. These facilities provide a higher level of care than what's available at some pharmacy retail clinics, but aren't equipped to provide emergent care for things like heart attacks and strokes. Urgent care centers can treat a wide array of maladies, including upper respiratory infections, bronchitis, diverticulitis; high blood pressure, food poisoning, sprains, minor fractures and lacerations. An urgent care visit typically costs around $150, according to Debt.org.

12 Common Medical Emergencies

The U.S. News Health team delivers accurate information about health, nutrition and fitness, as well as in-depth medical condition guides. All of our stories rely on multiple, independent sources and experts in the field, such as medical doctors and licensed nutritionists. To learn more about how we keep our content accurate and trustworthy, read our  editorial guidelines .

Buckey is vice president of client services at DirectPath, a company that provides personalized health benefits education and enrollment services to large employers.

Kampine is co-founder and senior vice president, analytics and innovation, for Healthcare Bluebook. The company’s client base includes municipal and large self-insured employers. It also offers a free online tool that individuals can use to comparison shop for health care services by region.

Temple is an associate professor of health sciences at James Madison University in Harrisonburg, Virginia.

Tags: health insurance , Affordable Care Act , Medicaid , patient advice

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Cost Of A Doctor Visit Without Insurance

By: Smiljanic Stasha

Last modified: Sep 29, 2022

The cost of a doctor visit without insurance  can depend on many factors, such as the state, facility, treatment, etc. However, this article will give you an average cost of what you should expect when seeing a doctor without an insurance policy. 

How Much Is a Doctor's Visit Without Insurance?

Typically, your insurance coverage determines the cost of a doctor 's visit. So, how much is a doctor’s visit without insurance ? A doctor 's appointment costs between $300 and $600 if you don't have insurance, but this number might vary depending on lab tests, the facility, and the procedures performed during the visit .   

The Average Cost for a Doctor Visit by Speciality

The cost of a doctor 's visit is determined by whether or not you have health insurance and what your policy covers. The price will differ depending on several factors, including the kind of doctor you're going to. Additionally, the course of treatment will affect the price. For example, if laboratory testing is required. Therefore, the overall cost depends on what services you will get.

However, people should not avoid going to the doctor because of the cost, as their health should be a priority. If they put off receiving immediate help, it could cost them even more in the long run, both in terms of their health and money.  

Fortunately, you can still see a doctor and receive medical treatment such as preventive care, acute care, urgent care , or emergency care, even if you don't have health insurance. The tricky part is locating services that are within your budget. Community health clinics, walk-in clinics, and direct care providers are good places to start. 

Related: How Much Does a Psychiatrist Cost Without Insurance?

Services That You Will Receive

When you consider billable items like blood tests, x-rays, and ambulance rides, the costs of medical treatment quickly add up.

Diagnostics test costs vary widely depending on your location and region. According to the Healthcare Booklet, a blood count lab test can cost anywhere between $20 and $120, a chest x-ray can cost between $50 and $250, and a prenatal ultrasound can be between $90 and $500.

Related: How Much Does CT Scan Cost Without Insurance?

Related: How Much Does an MRI Cost Without Insurance?

Related: How Much Is an Ultrasound Without Insurance?

Can the Expense Be Reduced?

So, can you reduce a doctor’s visit cost without insurance? Fortunately, there are a couple of things you can do to reduce your costs. 

First, you should mention you are uninsured so the center can offer you the care that fits your budget. Secondly, you can also ask for a payment plan and strategically pay them off each month. Lastly, try to use prescription savings cards and look for drug samples or a generic version of your medicine. Overall, this should reduce the out-of-pocket price of your treatment. 

What Affects the Cost of a Doctor's Visit?  

Patients can now find out how much their health care services will cost through a handful of indicators. This is crucial information to have on hand because the expenses are usually lower than those of an urgent care facility or an emergency room. 

According to the Healthcare Bluebook, an ACL knee surgery in Grand Rapids can cost anywhere between $6,498 and $23,098. In Detroit, a gall bladder removal can range from $3,683 to $16,509.

Therefore, most of the time, in the US, the location where you get the health care dictates the cost of the care itself. So make sure you inquire about the costs of the place before going to stay within your budget. 

When seeing a doctor or another healthcare provider , almost all private insurance policies require the insured person to pay some money before the treatment. A primary care physician's visit usually costs $15 to $25 in copays. However, a specialist's copay will usually range from $30 to $50.

In some situations, the cost might be connected to the facility you visit . However, the cost should be mainly connected to the care you get or your insurance policy.

By facilities, we mean places like urgent care , emergency room, and doctor's office. If you go to a facility that is not included in your policy you might end up spending money out of your pocket.

Corruption Cost Over $500 Billion Every Year

We have to mention corruption, a global issue that impacts health systems globally. It can take various forms, but it always diverts resources away from patients, resulting in inferior treatment quality.

Corruption is estimated to cost the worldwide public health system around $500 billion every year. This is significantly more than is required to provide universal health coverage. Donors should support long-term, strategic approaches to health sector integrity grounded in a thorough understanding of the sector's dynamics and the roles of many actors.

Globally, 1.6% of annual deaths of children under five and more than 140,000 deaths can be explained in part by corruption. Corruption is a complex and multifaceted challenge that must be fought.

In Conclusion

Overall, it's hard to predict the exact cost of a doctor’s visit without insurance , but this article gives you a rough idea of what to expect. The cost depends on many factors and situations, but, as previously mentioned, you can take a couple of steps to reduce the cost. 

Additionally, try to have a health insurance policy if you don’t already. During these unpredictable times, it's always better to be safe and covered. 

Where to See a Doctor if You Do Not Have Insurance?

You can visit a doctor without insurance, but the costs will vary depending on your situation. Additionally, keep in mind that not all providers charge the same rates, so researching before visiting your local urgent care is recommended. However, always choose what’s best, not the cheapest.

Can Providers Refuse Treatment?

A doctor may refuse treatment to a patient in certain circumstances. However, they cannot refuse treatment when someone needs urgent care. For example, doctors in emergency rooms have a legal obligation to treat everybody who walks through the door.

Policy Advice is a website devoted to helping everyday people make, save, and grow money. While our team is comprised of personal finance pros with various areas of expertise, nothing can replace professional financial, tax, or legal advice.

Policy Advice is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.Policy Advice is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com

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Here’s How Much A Doctor’s Visit Is Without Insurance

W hen you lack health insurance and need to schedule an appointment with a medical professional, you’ll have to pay for the visit out of pocket. In some cases, that idea is daunting. After all, health care is known for being expensive, particularly if you’re uninsured. By understanding how much the appointment may cost, you have a chance to financially prepare. If you’re wondering, “How much is a doctor’s visit without insurance?” here’s what you need to know.

How Much a Doctor’s Visit Is Without Insurance

Typically, the cost of a doctor’s visit if you don’t have insurance is anywhere from $150 to $600. However, there are a variety of factors that can ultimately impact how much you’ll owe. It’s possible for patients to pay less or more than what’s outlined in the range above. As a result, it’s critical to understand the factors that may influence the cost, as well as how you can get a more accurate figure before you visit a medical professional.

Factors That Impact the Cost of a Doctor’s Visit

Multiple factors ultimately impact how much a visit to a doctor costs, including:

• The type of physician you see (primary care, specialist, emergency, etc.)
• The facility you use (clinic, hospital, emergency room, urgent care, community health, etc.)
• The type of care sought
• Whether in-office treatments are administered
• Whether tests are ordered

In some cases, the price may vary depending on whether you’re a new or returning patient. If you’ve never been to that facility before or haven’t seen a specialist in a specific department previously, you may have to pay a “new patient intake” fee.

Generally, new patient fees are designed to account for the fact that seeing someone who hasn’t visited previously takes more time, as they often have to dedicate more time to learning about your medical history. If you’re a returning patient, your medical history is already on file, which can theoretically shorten the appointment.

How to Get an Accurate Estimate

If you’re scheduling an appointment and not seeking emergency care due to an urgent health matter, you can often get a reasonably accurate estimate of the cost of the visit in advance. Hospitals are required to list price ranges for common appointments, procedures, tests, and treatments online, and many smaller clinics are choosing to do the same. As a result, an online search may be enough to help you determine how much you’ll spend.

Additionally, patients can request a “Good Faith Estimate” for an upcoming appointment. With that, the healthcare provider creates an outline of the anticipated cost of the visit. While they might not be 100 percent accurate, as your appointment may end up involving something unexpected, it gives you a reasonable picture of the cost.

Ways to Reduce the Cost of a Doctor’s Visit When You’re Uninsured

If you need to see a doctor and don’t have insurance, there are ways to help minimize the costs. First, community health centers may make accessing free or low-cost services simpler. These typically work well for preventative or routine care and health screenings.

For acute medical needs, consider heading to an urgent care clinic instead of an emergency room. Urgent care clinics often accept walk-ins, and they usually cost significantly less than if you saw a physician in the emergency room.

Another option is to explore telemedicine services. This might work if your health condition is easy to explain and tests or a physical exam aren’t necessary.

If you live near a medical school, you may have access to a lower-cost clinic there. These clinics help student doctors gain experience, but they’re overseen by licensed physicians. Still, since the bulk of your appointment is handled by a student, the price is typically lower.

You can also ask about self-pay discounts, as some facilities do offer them. Additionally, you may be able to get a discount if you can pay the full cost of the appointment all at once in cash, particularly if you’re visiting a hospital instead of a smaller clinic.

Finally, consider going to public hospitals instead of private ones. Public hospitals are typically more affordable by comparison. Plus, you may be able to access a charity care program through a public hospital. Most charity care is made available to patients who have a household income level below a specific threshold. As a result, it can reduce the out-of-pocket cost of care for lower-income patients.

Are you surprised at how much a doctor’s visit is without insurance? Do you think the cost of an appointment for the uninsured is problematic, or do you think it makes sense? Share your thoughts in the comments below.

• How to Pay for a Medical Emergency (If You Don’t Have Insurance)
• What Out of Network Medical Services Mean to Your Financial Health
• Should I Tap My Retirement Funds for Medical Expenses?

The post Here’s How Much A Doctor’s Visit Is Without Insurance appeared first on The Free Financial Advisor .

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How much does a Doctor’s Visit cost without Insurance?

Updated June 3, 2023 by Holly Patiño Leave a Comment

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Many people have to go to the doctor on a regular basis, and most people go to the doctor on a yearly basis so they can ensure that their health is good. However, if you don’t have health insurance, a doctor’s visit can be extremely expensive. So, how much does a doctor’s visit cost without health insurance?

Without insurance, a doctor’s visit costs between $300 to $600 depending on the type of doctor, appointment, treatment administered, and location of the doctor’s office or clinic. The cost of a specialty doctor visit is higher than the cost of a primary care doctor visit.

Keep reading to learn more about how much it will cost to go to the doctor if you don’t have insurance.

What is the Cost of a Doctor’s Visit Without Insurance?

The following table has the average cost of a doctor’s visit without insurance.

Exactly how much it will cost to go to the doctor varies on the following factors.

• Type of doctor you are seeing
• Reason for your visit
• Where you see the doctor (urgent care facility, doctor’s office)
• New or frequent patient
• Tests and treatments
• Lab work done

The cost of a specialty doctor is often higher than the cost of a primary care specialist. The most expensive doctors to visit are orthopedists and cardiologists.

“The average cost of a doctor’s visit in 2016 was $265, with expenses ranging from $159 to $419 depending on the specialty.” Agency for Healthcare Research and Quality

Where to See a Doctor If You Don’t Have Health Insurance

If you do not have access to health insurance, these are a few places where you can see a doctor in a relatively affordable way.

Community Health Clinics

Community health clinics provide free and low-cost services to their patients. These places provide preventative care, vaccinations, and health screenings.

Urgent Care

Urgent Care facilities offer many different services to their patients, including doctor’s appointments. Some urgent care facilities have availability for walk-in appointments, while others may require doctor’s visits to be booked on their website ahead of time. Most urgent care facilities will charge $100 to $200 for a doctor’s visit in addition to the other fees for services.

Many doctors, hospitals, and companies offer telehealth services to make care less expensive and more convenient. After a consultation, a doctor will sometimes prescribe you medication or give medical advice. In some scenarios, they will have you see a doctor in person after completing a telehealth call.

Teladoc , MDLive , and Doctor on Demand offer online consultations that range in cost from $65 to $260. Mira members can get telehealth medical visits for only $5.

Doctor’s Office

When visiting most doctor’s offices, you are still able to see a primary care physician or specialist if you don’t have health insurance. You just need to ask the office in advance what their policies and pricing are for those who don’t have health insurance. You may be able to negotiate the cost of your doctor’s visit if you tell your doctor that you don’t have health insurance ahead of time.

Mira is a great option if you do not have access to health insurance. Members of Mira have access to virtual visits for $25, as well as in-person visits to urgent care for $99. Mira has affordable lab testing, prescriptions, and behavioral services available.

However, Mira is meant to be used by women to track their fertility health, so if you are male or aren’t looking to get help with your fertility, you likely won’t want to use Mira.

Factors That Affect the Price of a Doctor’s Visit

There are multiple factors that affect how much a doctor’s visit costs. The exact cost of a doctor’s visit ultimately depends on the appointment needed and the type of provider you see.

Type of Appointment

The type of patient you are affects what the cost of a doctor’s visit will be. New patients might need to pay an additional fee along with the original cost of the appointment. This additional cost is charged to new patients because the first visit is typically longer than a regularly scheduled check-up. This is because your medical provider needs information about your medical history, which takes additional time to gather.

Healthcare Provider

The type of healthcare provider you choose affects how much money you will pay. If you see a primary care provider, it will cost you less than seeing a specialist or cardiologist. For example, primary care office visits will cost around $265, while seeing an orthopedic doctor will cost about $416 without health insurance.

Some primary care offices have physician assistants who see patients. Generally, those visits cost much less than seeing an actual physician or doctor.

Depending on the severity of the condition that you are seeing the doctor for, the type of service performed affects the cost of the visit. If the problem isn’t a big deal, and if the visit only requires a minor examination, the appointment may cost less than a normal visit. If the visit requires additional examinations and procedures, such as injections or lab draws, it will cost more than a normal doctor’s visit.

The cost of a doctor’s visit will vary depending on where your appointment is being held. Seeing a physician in an emergency room as opposed to a walk-in clinic will greatly affect how much the visit costs. A visit to a medical provider in a larger city will likely cost more than a doctor’s visit in a smaller city.

To make sure you know how much you are paying, it is important to check the prices of the other medical offices before you schedule an appointment. Keep in mind that an in-office appointment will usually cost more than a visit conducted over the phone.

How to Save Money at the Doctor Without Health Insurance

There are a few things that you can do to save money on doctor’s visits when you don’t have health insurance. Here are some of them.

Ask for Self-Pay Discounts

When calling to make an appointment, tell the receptionist at the desk that you are a self-paying patient. Then ask if the office has any special prices for patients paying for themselves. In some circumstances, this method can prove to be cheaper than insured rates.

Negotiate Cost

Some doctor’s offices allow patients to negotiate the cost of a doctor’s visit if they don’t have health insurance. When you make a doctor’s appointment, ask if you can negotiate the cost of the appointment and tell the receptionist that you don’t have health insurance.

Call in Other Providers

Call multiple offices around town and compare prices with each location. You might see that there are huge price differences if you shop around! Make a list of the cost of each provider or location so you can find the one that is most affordable.

Community health clinics are great at providing cheap healthcare, so go to a local community health clinic rather than a traditional doctor’s office. Some may offer services for free, while others may charge you based on your family’s income.

Avoid Unnecessary Tests

Tests can cost a lot of money, especially if you don’t have health insurance. If you want to save money, ask your doctor if the tests they are conducting are really necessary. If they aren’t, don’t allow the test to be done.

Use Telehealth Services

To save money on a doctor’s visit, use telehealth services and don’t physically go to the doctor’s office. Telehealth doctor’s visits typically cost between $30 and $100 without health insurance. Plus, you never have to leave your home, and you won’t have to wait for the doctor to be ready!

Some doctor’s offices offer telehealth services, so ask your primary care provider if they offer these services. If they don’t, there are many affordable telehealth services that you can use.

However, keep in mind that during a telehealth doctor’s visit, you will be asked a lot of questions about your health, which may take a while. Telehealth doctors also can’t conduct tests, so they may refer you to a physical doctor or specialist if you have health issues that they can’t diagnose remotely.

Visit University Clinic

If you live near a medical school or the local university has a clinic that people who aren’t students can visit, make a doctor’s appointment at the clinic. The visit will likely be cheaper than a doctor’s visit at a non-university clinic, as most of the employees will be students.

Possible Questions to Ask Before Doctor’s Visit

To help you determine how much it will cost for a doctor’s visit, ask the receptionist of the doctor’s office you are calling the following questions.

• How much will a new patient appointment cost?
• How much will a follow-up visit cost?
• How much will a check-up cost?
• How much do lab tests typically cost?

Places that Offer Free Doctor Consultations

There are a wide variety of online doctors to speak with that are free of charge. Below are some ideal options that can work for a wide spectrum of diverse patients with unique needs!

Your Doctor’s Online

Your Doctor’s Online is a free online doctor chat service that provides connections with certified physicians. If you download their free app, you can book appointments promptly. All of these appointments will be online. As a member, you can receive free urgent care anywhere in the area.

ICliniq is a useful service that offers 24/7 doctor consultations at reduced costs. With this program, you can receive answers from doctors and consultants for all kinds of medical questions. To be a part of this program, you need to write a detailed health inquiry, choose a chat plan that fits your needs, and chat with a doctor whenever you need advice based off of your plan.

Health Resources Services Administration

Consult the Health Resources Services Administration (HRSA). These health centers can provide you with health care on a low-cost scale. Their programs have supported people with low incomes, people who have come in contact with HIV, people who are pregnant, parents and families with children, people in or from rural communities, patients who require transplants, and people in the health workforce.

Smart DocMD

SmartDocMD gives customers access to an online doctor for free if there are any existing health problems or issues that need to be brought up to a healthcare professional. You can get started by contacting an online doctor. You can easily get in touch with experts and learn more about the various services they offer.

If you are looking for cheap or free doctor’s visits, there are many resources listed above that can help you with these existing issues. These resources can provide you with cheap healthcare with the bonus of most of it being done within your own home. Don’t pass up these opportunities, especially if you are eligible for any of these services!

Overall, while doctor’s visits can be expensive if you do not have health insurance, there are things that you can do to save money. While you may not think that it is important to go to the doctor on a regular basis, especially if you are a relatively healthy person, it is important because it allows you to keep track of your health and notice potential issues before they negatively affect you.

It may take work to find a place that offers affordable doctor’s visits, but the effort will be worth it in the end. Before you make an appointment at a free or low-cost medical clinic, keep in mind that the number of appointments that they have available may be limited, as many people need affordable health care, and only so many doctors can work at free or low-cost clinics.

No Insurance? 

When it comes to your healthcare, most people think that their only options are to pay for expensive Health Insurance or try out your luck being uninsured.

The great news is that you have a third option; You can join a Health Share plan that is affordable and meets your needs! Health Sharing programs are one of the most effective and affordable alternatives to Health Insurance. 

If you don’t know what a Health Share is, you can start here to learn how it works and why it’s a great alternative to health insurance. If you are looking for affordable healthcare, I highly recommend checking out my article about the Best Health Share Plans . 

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Doctor Cost Without Health Insurance

‍ If you need to see a doctor but don't have insurance, your first instinct might be to panic. This is understandable, considering the cost of health care.

But, how much does a trip to the doctor cost without health insurance? On average, a doctor's office visit without insurance can cost anywhere from $300-$600. This will vary, though, depending on the services or treatment you receive and the type of facility you visit.

In this article, we’ll be discussing the average costs associated with a doctor’s visit, and providing some tips to help reduce your medical bills.

We’ve researched the costs associated with medical treatment extensively and have spoken with doctors around the US to gather their insight. So, keep reading to learn more!

‍ What Will a Visit to The Doctor Cost Without Health Insurance?

As we mentioned, the average cost for a doctor’s visit can be anywhere from $300-$600.

With that being said, every doctor’s office/medical facility, every specialty, and every location is going to vary in terms of cost.

With this in mind, it’s important to call (or use the chat on the office’s website if available) before you go.

You should let the office know exactly what type of service or care you need so they can tell you how much you should expect to pay.

Some doctor’s offices don’t accept any insurance and will typically have transparent pricing for the services they offer. Just be sure to do your research, check their website, and call if you have to.

‍ Should I wait to see the doctor until I have insurance?

Sometimes, you might not know if you even have health insurance or what it covers. This is understandable, as health coverage  can be so confusing for the average person.

However, even if you don’t have coverage, it’s important not to wait to see a doctor if you’re in need of medical care.

You might be dealing with a life-threatening emergency (severe injury, heart attack, stroke, etc.) or a condition that could turn into one. In these situations, going to the doctor could save your life.

While you need to consider the fact that you will be 100% responsible for medical costs when you don’t have insurance, this shouldn’t hinder you from receiving immediate medical attention.

However, if you’re dealing with something that isn’t life-threatening, and could be treated with over-the-counter medications/home remedies, then you might not need to visit a doctor.

The only caveat to this is that you don’t want to self-diagnose yourself. At the end of the day, you’re not a medical professional (neither is Google!).

You may think you’re dealing with a mild condition, when in reality it’s something much more serious.

What Factors Influence The Cost of Medical Care?

There are a wide variety of factors that go into how much your medical care will cost, including:

• The severity of your illness/injury
• Where you’re receiving care (ER, physician’s office, urgent care clinic, etc.)
• Special services involved (x-rays, lab testing, imaging, etc.)

When it comes to visiting a private physician’s office, you’ll usually run into the same basic fee.

A portion of this fee is paid to the physician (sometimes up to 40%) who will use it to pay employee salaries, rent of the office itself and for the cost of any equipment, maintenance and supplies.

Some doctor’s offices have added fees for visits that take more time or involve special equipment/tools that need to be disposed of or cleaned after the visit.

What if I Have a Medical Emergency Without Health Insurance?

As we covered before, a medical emergency should NOT be ignored, regardless of whether you have health insurance or not.

In these situations, you should go directly to your nearest emergency room (either by ambulance or by your own means of travel).

Some life-threatening conditions  that require immediate medical attention include:

• Heart attacks
• Severe injuries (broken/fractured bones)
• Extreme fever due to an illness
• Excessive vomiting or diarrhea

When possible, you can inquire with the ER’s staff about lower-cost options for care. The important thing is to focus on getting treated as quickly as possible and worrying about cost later.

Non-Emergency Care Without Health Insurance

There are a variety of healthcare facilities that offer services for non-emergency related conditions.

Bear in mind, there are going to be fees when visiting these options without insurance.

Urgent Care Clinics

Urgent care facilities can come in handy when you need to be seen for a non-life threatening condition.

Most of the services rendered at these clinics are relatively quick, affordable, and ideal for non-emergency related conditions such as flus/colds and minor injuries.

The downside of visiting an urgent care clinic is you can end up waiting a long period of time, depending on the area it's in and if they offer appointment scheduling or not.

The upside is, you can visit an urgent care clinic without insurance and the costs are generally not exponentially high.

Primary Care Doctor’s Office

If you have a primary care doctor who accepts patients without insurance, then this might be an alternative to visiting an urgent care clinic.

A primary care doctor can typically diagnose minor conditions and recommend you to specialists for special testing if needed.

These offices usually see a lot of patients, and tend to get backed up, though. So, it might be days, weeks, or sometimes months before they have an opening available.

During this time, you can call the office to inquire about the cost of your visit without health insurance.

Community Health Care Clinics

One of the best options for uninsured healthcare are community clinics. These facilities typically have federal funding, and offer free or low-cost medical services for uninsured patients.

Some of the most common services offered by community clinics include:

• Reproductive health care (contraceptives, birth control, STD testing)
• Mental health (anxiety, depression, etc.)
• Counseling services

How Can I Lower Medical Care Costs?

To reduce your health care costs, there are a few questions you can ask before visiting the doctor.

• Ask if the clinic offers a “sliding scale” cost structure for lower-income patients. This helps match your medical bills to your income level.
• Ask “how much is a regular visit” to help you understand whether or not you’ll be able to pay for the cost of treatment.
• You can also ask if they offer charity-care options or discounts for cash-paying patients.

If you require medication after your visit, you should request generic medication -- which is typically less, sometimes significantly so -- instead of brand name.

Can I be Refused Treatment if I Don’t Have Insurance?

No, a doctor cannot refuse to treat you if you’re uninsured and dealing with a medical emergency.

However, some physicians can refuse to treat you if you’re unable to cover the cost of your care on your own.

Thanks to the EMTALA ( Emergency Medical Treatment and Active Labor Act ), all patients who are suffering from an emergency condition must receive treatment until the condition is stabilized.

This goes for patients with or without health insurance.

If your condition is not life-threatening, and you’re attempting to be treated by a private physician the doctor can (and has a right to) refuse treatment if you’re unable to pay for the medical services.

Final Thoughts

How much does a visit to the doctor cost without health insurance?

As we laid out in this article, the costs associated with your care will vary depending on the type of facility you’re visiting, their policies, the location you’re in, and the level of care you require.

Regardless, if you need medical attention and don’t have insurance, there are more than a few options available to you.

All in all, you should focus mostly on feeling better, instead of the potential doctor cost without health insurance.

You don’t want to let your condition worsen -- especially if it’s life threatening -- because you’re afraid of how much you’ll have to pay after receiving the treatment you need.

About THE AUTHOR

Greg McKnight

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Healthcare in Moscow – Personal and Family Medicine

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About medical services in Moscow

Moscow polyclinic

Emergency medical care is provided free to all foreign nationals in case of life-threatening conditions that require immediate medical treatment. You will be given first aid and emergency surgery when necessary in all public health care facilities. Any further treatment will be free only to people with a Compulsory Medical Insurance, or you will need to pay for medical services. Public health care is provided in federal and local care facilities. These include 1. Urban polyclinics with specialists in different areas that offer general medical care. 2. Ambulatory and hospitals that provide a full range of services, including emergency care. 3. Emergency stations opened 24 hours a day, can be visited in a case of a non-life-threatening injury. It is often hard to find English-speaking staff in state facilities, except the largest city hospitals, so you will need a Russian-speaking interpreter to accompany your visit to a free doctor or hospital. If medical assistance is required, the insurance company should be contacted before visiting a medical facility for treatment, except emergency cases. Make sure that you have enough money to pay any necessary fees that may be charged.

Insurance in Russia

Travelers need to arrange private travel insurance before the journey. You would need the insurance when applying for the Russian visa. If you arrange the insurance outside Russia, it is important to make sure the insurer is licensed in Russia. Only licensed companies may be accepted under Russian law. Holders of a temporary residence permit or permanent residence permit (valid for three and five years respectively) should apply for «Compulsory Medical Policy». It covers state healthcare only. An employer usually deals with this. The issued health card is shown whenever medical attention is required. Compulsory Medical Policyholders can get basic health care, such as emergencies, consultations with doctors, necessary scans and tests free. For more complex healthcare every person (both Russian and foreign nationals) must pay extra, or take out additional medical insurance. Clearly, you will have to be prepared to wait in a queue to see a specialist in a public health care facility (Compulsory Medical Policyholders can set an appointment using EMIAS site or ATM). In case you are a UK citizen, free, limited medical treatment in state hospitals will be provided as a part of a reciprocal agreement between Russia and UK.

Some of the major Russian insurance companies are:

Ingosstrakh , Allianz , Reso , Sogaz , AlfaStrakhovanie . We recommend to avoid  Rosgosstrakh company due to high volume of denials.

Moscow pharmacies

A.v.e pharmacy in Moscow

Pharmacies can be found in many places around the city, many of them work 24 hours a day. Pharmaceutical kiosks operate in almost every big supermarket. However, only few have English-speaking staff, so it is advised that you know the generic (chemical) name of the medicines you think you are going to need. Many medications can be purchased here over the counter that would only be available by prescription in your home country.

Dental care in Moscow

Dentamix clinic in Moscow

Dental care is usually paid separately by both Russian and expatriate patients, and fees are often quite high. Dentists are well trained and educated. In most places, dental care is available 24 hours a day.

Moscow clinics

«OAO Medicina» clinic

It is standard practice for expats to visit private clinics and hospitals for check-ups, routine health care, and dental care, and only use public services in case of an emergency. Insurance companies can usually provide details of clinics and hospitals in the area speak English (or the language required) and would be the best to use. Investigate whether there are any emergency services or numbers, or any requirements to register with them. Providing copies of medical records is also advised.

Moscow hosts some Western medical clinics that can look after all of your family’s health needs. While most Russian state hospitals are not up to Western standards, Russian doctors are very good.

Some of the main Moscow private medical clinics are:

American Medical Center, European Medical Center , Intermed Center American Clinic ,  Medsi , Atlas Medical Center , OAO Medicina .

Several Russian hospitals in Moscow have special arrangements with GlavUPDK (foreign diplomatic corps administration in Moscow) and accept foreigners for checkups and treatments at more moderate prices that the Western medical clinics.

Medical emergency in Moscow

Moscow ambulance vehicle

In a case of a medical emergency, dial 112 and ask for the ambulance service (skoraya pomoshch). Staff on these lines most certainly will speak English, still it is always better to ask a Russian speaker to explain the problem and the exact location.

Ambulances come with a doctor and, depending on the case, immediate first aid treatment may be provided. If necessary, the patient is taken to the nearest emergency room or hospital, or to a private hospital if the holder’s insurance policy requires it.

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