A doctor’s visit without insurance can cost between $300 and $600, but this number might vary depending on lab tests, the facility, and the procedures performed during the visit.
Other sources also give similar estimates. However, there are some ways to find affordable medical care without insurance, such as shopping around, asking for a cash discount, visiting community health clinics or urgent care centers, and researching your eligibility for insurance programs.
Can the cost of a doctor visit vary based on location and specialty?
Yes, the cost of a doctor’s visit can vary based on location and specialty. According to Compare.com, geography is one of the biggest factors in the price of a doctor’s visit, as most medical facilities pass some of their overhead expenses onto their patients. For example, a 60-minute office visit at Mayo Clinic can cost $846 in Jacksonville, Florida, but $605 in Wisconsin. The type of doctor and the procedure you need also affect the cost. For example, a physical exam’s cost without insurance can vary from $100 to $250 or more. Similarly, an electrocardiogram may cost around $1,500 without insurance. Generally, primary care physicians charge less compared to specialists like cardiologists or dermatologists.
Do doctors offer discounts or payment plans for uninsured patients?
Some doctors may offer discounts or payment plans for uninsured patients, based on their policies and the patient’s income level.
For instance, emergency physicians providing medical services in emergencies are legally required to give discounts to uninsured patients or those with high medical costs who fall within 400% of the federal poverty level.
Alternatively, you can request a lower or reduced rate if you pay upfront for certain services. Financial assistance programs like Medicaid, Medicare, and local programs may also be available to help cover medical expenses.
However, eligibility and qualification criteria may differ depending on your location and circumstances.
It is advisable to have an open discussion with your doctor about the cost of services and explore available options before receiving treatment.
How much does a specialist visit typically cost without insurance coverage?
Specialist visit expenses without insurance can differ based on the specialist type and visit location.
An average visit to a primary care provider’s office costs $265, while an orthopedic specialist visit amounts to approximately $416 without insurance.
For a cardiologist visit, the cost can be around $335 without insurance.
The expense may also be influenced by factors such as patient status (new or returning) and the need for tests or procedures during the visit.
Certain primary care providers offer the option of being seen by physician assistants or nurse practitioners, who generally charge less than physicians.
Do doctors charge different fees for new patients compared to established patients without insurance?
Some doctors may charge different fees for new patients compared to established patients without insurance.
This is because new patients usually require a more comprehensive examination and history-taking than established patients.
The estimated national average cost of a new-patient office visit without insurance is $357, while the average cost of an established patient office visit is $300 to $600, depending on the services provided.
However, these costs may vary depending on the location, specialty, and policies of the doctor. Some doctors may also charge a facility fee, which is an additional charge for maintaining the physical premises.
You should ask your doctor about their fees and payment options before your visit.
Where to See a Doctor if You Do Not Have Insurance?
There are several options for seeing a doctor without insurance. Some of them are:
- Free or low-cost clinics
- Online resources
- Community health centers
- Urgent care centers
