what does a doctor visit cost without insurance

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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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
• telemedicine
• primary care
• healthcare costs
• health insurance
• urgent care

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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.

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Home Health Resources Urgent Care Visiting an Urgent Care Without Insurance: What You Need to Know

Urgent Care

Visiting an urgent care without insurance: what you need to know.

Do you suffer from allergies but don’t have insurance? Many people worry that they won’t be able to get the medical care they need without health coverage, but it is possible to visit an urgent care center without insurance. From understanding what services are available at a typical urgent care clinic and alternative treatments for uninsured patients, to preparing for your visit and managing allergies without insurance – this article will cover all the information you need when asking yourself “Can I Visit an Urgent Care Without Insurance?” Let’s take a closer look!

Table of Contents:

Understanding urgent care, visiting an urgent care without insurance, alternative treatment options for uninsured patients, preparing for your visit to the urgent care center without insurance, tips for managing allergies without insurance, how much does it cost to visit an urgent care without insurance, what services are offered at an urgent care for uninsured patients, are there any discounts available for uninsured patients visiting an urgent care, is it possible to get a payment plan if i can’t afford the full amount of my visit to the urgent care, can i still receive treatment even if i don’t have insurance and cannot pay upfront for my visit to the urgent care.

Urgent care is a type of medical facility that provides immediate, walk-in treatment for minor illnesses and injuries. It’s an alternative to the emergency room (ER) for those who don’t require life-saving or serious medical attention. Urgent care centers are typically open seven days a week with extended hours in the evenings and on weekends.

What is Urgent Care?

Urgent care centers provide diagnosis and treatment for common illnesses such as colds, flu, ear infections, strep throat, urinary tract infections (UTIs), sprains, strains cuts and burns. They also offer basic lab tests such as urine analysis or blood work; X-rays; vaccinations; physical exams; sports physicals; occupational health services like drug testing and workers’ compensation injury evaluations; travel medicine advice and immunizations: women’s health services including pregnancy tests and gynecological exams: school physicals for children ages 4–18 years old.

Benefits of Visiting an Urgent Care

The main benefit of visiting an urgent care center is convenience—they are usually open longer than regular doctor offices during evenings and weekends when many primary care physicians are closed. Additionally they often have shorter wait times than ERs which can save you time if you need to be seen quickly but your condition isn’t life threatening enough to warrant a trip to the ER. Finally most urgent cares accept walk-ins so you don’t need an appointment making them great options when your primary physician isn’t available or doesn’t have any openings in their schedule.

Types of Services Offered at an Urgent Care

Understanding urgent care is important for those who may need medical attention in an emergency situation. It’s also beneficial to know what services are offered at an urgent care and how to access them without insurance if needed, which we will discuss next.

It is possible to visit an urgent care without insurance, but it can be expensive. Uninsured patients should consider the cost of services before visiting a facility and research payment options that may be available.

Is it Possible to Visit an Urgent Care Without Insurance?

Yes, uninsured patients are able to visit an urgent care center for medical attention. However, due to the lack of insurance coverage, these visits will likely come with higher costs than those who have health insurance. It is important for uninsured patients to understand their financial responsibility prior to seeking treatment at an urgent care center.

Cost Considerations for Uninsured Patients

Uninsured patients should consider the cost of services before visiting a facility as they will likely need to pay out-of-pocket for any treatments or medications prescribed by their provider. The cost of services varies depending on the type and complexity of care needed; however, most centers charge between $75-$150 per visit without insurance coverage. Additionally, many facilities require payment upfront before providing any service or medication so it’s important that uninsured patients plan ahead financially if they intend on using this option for medical attention.

Payment Options for Uninsured Patients

Visiting an urgent care without insurance can be a daunting prospect, but there are other options available for those who don’t have coverage. The next section will discuss some alternative treatment options for uninsured patients.

Telemedicine Services: Telemedicine services are becoming increasingly popular for uninsured patients who need medical care. These services allow patients to connect with a doctor via video or phone call, and receive advice on their condition without having to leave the comfort of their own home. This can be especially helpful for those who live in rural areas where access to healthcare is limited. Telemedicine visits typically cost less than an in-person visit, making them more affordable for uninsured patients.

Retail Clinics and Walk-In Clinics: Retail clinics and walk-in clinics offer another option for uninsured patients seeking medical care. These clinics provide basic health services such as vaccinations, physicals, lab tests, and minor illnesses like colds or flu at lower costs than traditional doctor’s offices or hospitals. Many retail clinics also accept payment plans that make it easier for uninsured patients to pay out of pocket without breaking the bank.

Community health centers and free clinics are available in many communities across the country providing low-cost or no-cost healthcare options to individuals without insurance coverage. These centers often have sliding scale fees based on income level, making them accessible even if you don’t have any money saved up for medical expenses. Additionally, some community health centers may offer additional programs such as mental health counseling or nutrition classes that can help improve overall wellbeing regardless of insurance status.

Alternative treatment options for uninsured patients, such as telemedicine services, retail clinics and walk-in clinics, and community health centers and free clinics provide access to care without the need for insurance. Preparing ahead of time can help ensure a successful visit to an urgent care center without insurance.

Visiting an urgent care center without insurance can be a daunting task. It is important to prepare for your visit by gathering necessary information before you go, researching the cost of services ahead of time, and bringing a list of questions to ask your provider.

Gather Necessary Information Before Your Visit: Knowing what type of health coverage you have (or don’t have) will help you determine if there are any other options available to cover the costs associated with visiting an urgent care center. Additionally, it is important to know what symptoms or conditions you are experiencing so that the doctor at the urgent care center can properly diagnose and treat them.

Research The Cost Of Services Ahead Of Time: Researching the cost of services ahead of time can help ensure that you are not surprised by unexpected fees when it comes time to pay for your visit. Many urgent care centers provide online estimates for their services which makes it easier than ever before to get an idea about how much money needs to be set aside in order for payment upon arrival.

Bring A List Of Questions To Ask Your Provider: Asking questions during your visit will help make sure that all aspects related to diagnosis and treatment are discussed thoroughly between yourself and your provider. Some examples include asking about alternative treatments or medications, understanding potential side effects from certain medications or procedures, as well as inquiring about follow-up visits or tests needed after leaving the facility.

Preparing for a visit to an urgent care center without insurance can be intimidating, but by doing your research and gathering the necessary information ahead of time, you can make the process easier. Next, we’ll discuss tips for managing allergies without insurance.

Allergies can be a nuisance and can make everyday activities difficult to manage. Unfortunately, many people don’t have access to health insurance that would cover the cost of allergy treatments. However, there are still ways to manage allergies without insurance.

Identify Triggers and Avoid Exposure When Possible: Identifying what triggers your allergies is key in managing them without insurance. Common allergens include pollen, dust mites, pet dander, mold spores, and certain foods or medications. Keeping track of when you experience symptoms will help you identify potential triggers so that you can avoid exposure as much as possible.

Follow a Healthy Diet and Exercise Routine: Eating healthy meals with plenty of fruits and vegetables helps keep your immune system strong which can reduce the severity of allergic reactions. Regular exercise also boosts immunity by increasing circulation throughout the body which may help reduce inflammation caused by allergies.

FAQs in Relation to Can I Visit an Urgent Care Without Insurance?

The cost of visiting an urgent care without insurance can vary depending on the services provided. Generally, a visit to an urgent care facility will cost between $50 and $150. This includes any tests or treatments that may be necessary for diagnosis and treatment. It is important to note that some facilities may charge more for certain services, so it is best to call ahead and ask about pricing before making a visit.

At an urgent care for uninsured patients, services typically include diagnosis and treatment of minor illnesses and injuries. These may include colds, flu, sore throats, ear infections, rashes or skin irritations, sprains and strains as well as other non-life threatening conditions. In addition to these treatments, some urgent cares offer vaccinations and basic lab tests such as blood work or urinalysis. Depending on the facility’s capabilities they may also provide X-rays or ultrasounds if needed. Finally many facilities will have a pharmacy where you can fill prescriptions at discounted rates without insurance coverage.

Unfortunately, there are no discounts available for uninsured patients visiting an urgent care. Urgent care centers typically charge a flat fee for services rendered regardless of insurance status. However, some centers may offer payment plans or reduced fees based on income level and other factors. It is best to contact the center directly to inquire about any possible discounts that may be available.

It is possible to get a payment plan if you cannot afford the full amount of your visit to the urgent care. Most urgent care centers offer payment plans for those who need them, and these plans can be tailored to fit individual needs. It is important to speak with a representative at the center in order to determine what options are available and how they may best suit your financial situation. Additionally, many insurance providers also offer coverage for visits made to an urgent care center, so it’s worth checking with your provider as well.

Many urgent care centers offer a variety of payment options, such as sliding scale fees or discounts for those who qualify. Additionally, some states provide free or low-cost health services through their Medicaid programs. You should contact your local urgent care center to inquire about any available payment options that may be available to you.

It is also important to consider alternative treatment options such as over-the-counter medications or home remedies that may help alleviate allergy symptoms. Lastly, managing allergies without insurance can be difficult but there are tips and resources available to help make it easier. Ultimately, when asking “Can I visit an urgent care without insurance?”, the answer is yes; however, you should take into account all of the factors involved before making a decision.

If you are experiencing allergy side effects and symptoms, it is important to seek medical attention. Visiting an urgent care can be a great option if you do not have insurance or the time to wait for an appointment with your primary physician. At NextCare Urgent Care, we provide quality healthcare services at affordable prices so that everyone has access to the treatment they need without having to worry about their financial situation. Don’t let allergies get in the way of living life – come see us today!

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This Is How Much Your Health Care Would Cost Without Insurance

Ready for some sticker shock?

You might think the financial benefit of having health insurance is mostly tied to major moments—your appendix bursts, you break a leg snowboarding, you’re having a baby—but that’s really just the tip of the bill-lowering iceberg.

The behind-the-scenes sale

Here’s how it works: “Every hospital and doctor’s office has something called a charge master, which is a list of rates they charge for every single procedure,” says David Johnson, CEO of 4 Sight Health, a thought leadership and advisory company based in Chicago. “But those amounts are somewhat made up, and almost nobody pays them.”

That’s because insurance companies negotiate with the hospitals and doctor’s offices in their network to come up with their own lower rates for literally every procedure. It’s why you tend to see a discount on any doctor’s bill you get—even if you’re responsible for the whole thing because you haven’t hit your deductible yet.

One thing to keep in mind: Those discounted rates are only for in-network doctors and hospitals. Even if you have health insurance, you’ll end up paying the higher master charge rate if you go out-of-network.

While the price the insurance company negotiates can vary (they tend to be about half of the charge master cost ), one thing tends to be certain: Anyone who doesn’t have insurance is going to end up paying a ton more. “If you don’t have coverage, it defaults to the charge master rate,” says Johnson. It’s no wonder one out of five uninsured people skip treatment because of cost.

Watch your wallet

All of this can add up quickly, even if you aren’t getting anything too major done. While it’s impossible to say what your cost for different procedures would be with insurance (that changes based on everything from where you live and who your insurer is to your deductible and co-insurance rates), here are some of the average charge master rates for common procedures in the U.S., according to an International Federation of Health Plans report:

• MRI: $1,119
• Cataract surgery: $3,530
• Day in the hospital: $5,220
• Giving birth: $10,808
• Appendix removal: $15,930
• Knee replacement: $28,184

Did someone say free?

On top of the discount you get just for having an insurance plan, there are some procedures and visits that are absolutely free if you have insurance. That’s right: They don’t cost a dime. These services fall under the umbrella of preventive care, and after the Affordable Care Act was passed, they became fully covered for anyone with insurance.

Unfortunately, if you don’t have coverage, you’re stuck paying for them. Here’s how much these otherwise-free services might run you:

• Flu shot: This life-saving vaccine will run you about $40 at your local Rite-Aid pharmacy .
• Screenings for diabetes and cholesterol: CityMD , a chain of urgent care facilities in New York, New Jersey, and Washington, offers these services for about $125 to $200, plus additional lab fees.
• Annual wellness visits: On average, this costs $160, according to a John Hopkins study .
• HPV vaccine: You need this shot twice, and it will cost ya about $250 each time, according to Planned Parenthood .
• Birth control pills: The monthly packs will add up to $240 to $600 a year .

The bottom line: With the average employer-sponsored plan costing you $119 a month , that $1,400 or so a year will pay for itself in just a few doctor’s visits or prescriptions. And if something serious happens—like a sprained ankle or a suspicious mole your dermatologist wants to remove—you know you’re covered.

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Primary Care Visits Available to Most Uninsured But at a High Price

‘secret shopper’ study finds cost of basic new patient visit without health insurance far more than most uninsured can afford.

Uninsured people don’t have any more difficulty getting appointments with primary care doctors than those with insurance, but they get them at prices that are likely unaffordable to a typical uninsured person, according to new Johns Hopkins Bloomberg School of Public Health-led research.

And payment options are not very flexible, with only one in five people told they could be seen without paying the whole cost up front, suggests the new study published in the May issue of the journal Health Affairs .

“There’s a discouragement factor for uninsured people when it comes to seeing a doctor when they are sick,” says study leader Brendan Saloner, PhD, an assistant professor in the Department of Health Policy and Management at the Johns Hopkins Bloomberg School of Public Health. “If you pick up the phone and the cost is high, you may stop looking – even if you are really sick. For a lot of people, it’s bewildering to navigate the primary care market without health insurance.”

Saloner’s research is based on data from a 10-state telephone survey in which callers posed as patients from November 2012 to March 2013 to find out whether they could get a new patient appointment with a primary care doctor and, if so, how much a basic visit would cost. Callers only revealed their uninsured status after being offered an appointment. The audit, which included 1,613 completed calls, was conducted before the implementation of the Affordable Care Act in late 2013, which not only has given more patients private insurance but also has increased the number of people with Medicaid in many states.

While there are fewer uninsured people now and the number is expected to drop again in 2015, Saloner says, there is still a sizable uninsured population in the United States, particularly those who live in states that have not expanded Medicaid and who still believe that coverage on the ACA marketplace is unaffordable.

In total, roughly 79 percent of uninsured callers in the study were offered an appointment, while only about 6 percent who were denied an appointment were told that the denial was due to insurance status (other reasons included that the practice wasn’t taking new patients). The average price of a new uninsured patient appointment was quoted as $160, with some variation among states (a low of $128 in Pennsylvania and a high of $188 in Oregon). The price was significantly lower at federally qualified health centers ($109). Prices were also lower for offices in ZIP codes with higher poverty rates. The price was for a basic new patient appointment, and the callers did not request price quotes for any additional blood work, imaging or other testing.

Still, Saloner points out, a medical bill of $100 would represent about one-tenth of the monthly income of a single adult living at the poverty level.

The average price quoted to callers in the study was lower than actual total amounts paid for privately insured new patient primary care visits in the same states (an average of $200), as reported in previously reported research. Of those visits, the average out of pocket cost for privately insured patients was $49.

Only 18 percent of uninsured callers were told they could bring less than the full amount to the visit and pay the rest later. On average, those told they could arrange a payment plan were told to bring 61 percent of the cost of the appointment to be seen.

Saloner says expanding Medicaid beyond the 29 states and the District of Columbia that have already done so, would enable more people to afford basic health care.

“Even with improvements coming with implementation of the Affordable Care Act, the system will make an uninsured person really think twice about whether he or she needs to go to the doctor,” Saloner says.

“ Most Uninsured Adults Could Schedule Primary Care Visits Before the ACA, But Average Price Was $160 ” was written by Brendan Saloner, Daniel Polsky, Genevieve M. Kenney, Katherine Hempstead and Karin V. Rhodes. Collaborators are based at the University of Pennsylvania, the Robert Wood Johnson Foundation and the Urban Institute.

The study was supported by the Robert Wood Johnson Foundation.

Media contacts for the Johns Hopkins Bloomberg School of Public Health: Stephanie Desmon at 410-955-7619 or  [email protected]  and  Barbara Benham at 410-614-6029 or  [email protected] .

How much does urgent care cost without insurance?

$150 – $250 average urgent care visit cost.

Average cost of urgent care without insurance

The average urgent care visit costs $150 to $250 without insurance. Most urgent care clinics charge a $100 to $150 office visit fee that includes an evaluation by a healthcare professional and treatment for minor illnesses or injuries. Additional tests, X-rays, medications, treatments, and procedures cost extra.

Cost data is from research and project costs reported by BetterCare members.

Urgent care visit cost by level

The total cost of an urgent care visit depends on the number and severity of issues and what is needed to diagnose and treat you. Most urgent care centers used tiered pricing based on the amount of time or number of tests and treatments. Some facilities have more than three pricing levels.

Factors the affect the cost of urgent care

Factors that impact the cost include:

Office visit cost – The base cost to see a doctor without insurance at urgent care centers is $100 to $150 on average, just to walk in and see a healthcare professional for evaluation. This office visit cost typically does not include X-rays, tests, medications, or procedures.

Location – Urgent care costs are fairly standard across the country, but you may pay slightly more in a major city like New York or Los Angeles.

Level of care – More serious or complex health issues require more expertise and take longer to diagnose and treat, increasing the cost.

Insurance – While lack of insurance coverage often means higher out-of-pocket healthcare costs, many urgent care facilities offer discounted self-pay or cash rates for individuals with no insurance.

Tests & treatments – Each X-ray, medication, treatment, or procedure adds to the total urgent care bill.

Labs – Some urgent care centers include in-house lab testing in their self-pay office visit price. When not included, lab tests cost $20 to $200+ each , depending on the test and whether it can be done in-house or requires sending to an off-site testing facility.

Urgent care services

In addition to treating common illnesses and injuries, urgent care centers provide a wide range of healthcare services. The table below shows the average cost for some of the most common services. Depending on the facility, some of these services may be included in the office visit fee.

Urgent care vs. emergency room cost

While emergency rooms can handle non-life-threatening health issues, going to an urgent care center instead will typically cost much less, especially for individuals with no insurance. Your wait time will also likely be much shorter at an urgent care center.

A typical urgent care visit costs $150 to $250 , while an ER visit costs $1,500 to $3,000 on average for the same service without insurance. Check out our guide comparing urgent care costs vs. the emergency room for a more in-depth look at the differences.

Urgent care vs. Community Health Centers (CHC)

If you're on a tight budget and are looking for the cheapest way to see a doctor without insurance , check out Community Health Centers (CHC) and charitable clinics in your area that offer free or sliding-scale services based on income.

Urgent care FAQs

What is urgent care.

Urgent care refers to medical clinics that provide same-day, non-emergency healthcare services. This includes treating common ailments like colds, the flu, ear or bladder infections, bronchitis, strains, or sprains. Urgent care centers also offer other healthcare services like lab tests, vaccines, and physicals.

When should I go to an urgent care facility?

Consider going to an urgent care center if you are experiencing a non-life-threatening health issue and your primary doctor's office is closed or cannot fit you on the schedule. Urgent care facilities provide many healthcare services, including:

Treatment for minor illnesses and injuries

Physicals needed for sports, school, or employment

Diagnostic lab testing

Medications

Medical equipment

Is a walk-in clinic the same as an urgent care center?

A walk-in clinic is similar to an urgent care center in that both provide basic medical care services. However, most urgent care centers can handle a broader range of health issues and more serious non-life-threatening illnesses or injuries, like a severe burn or broken bone.

What is the difference between urgent care and the emergency room?

Urgent care centers are same-day clinics meant for illnesses and injuries that are not life-threatening. The emergency room is intended for serious, life-threatening situations that need immediate attention, such as a heart attack, stroke, uncontrollable bleeding, or major injury.

Does urgent care bill you later without insurance?

Most urgent care facilities require payment at the time of service. Depending on the testing and treatment you receive, you may also receive a bill after your visit.

Tips to save on your urgent care visit

Healthcare services can add up quickly, especially without insurance. Here are some guidelines to ensure you are not overpaying for your care:

Look online – Most urgent care centers have information on their website about self-pay rates, and many list the prices for individual services.

Call ahead – Call the facility beforehand to confirm their current wait time and find out their rates and payment options. You can also speak with them about your specific issue to determine if urgent care is the best choice.

Ask the right questions – Consider asking these important questions before your visit to ensure you are not surprised by the bill later:

Do you have discounted pricing for patients without insurance?

Will it cost less if I pay with cash?

What do you charge for an office visit?

What does the office visit fee include?

Will I need additional tests, and what will they cost?

How much do you charge for X-rays?

If I need medication, how much will it cost?

Using our proprietary cost database, in-depth research, and collaboration with industry experts, we deliver accurate, up-to-date pricing and insights you can trust, every time.

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5 Cheapest Ways To See a Doctor Without Insurance

Maxwell Shukuya is a California-based writer covering tech, travel, product reviews, and personal finance. Based in California, his work has previously been featured in Capital Public Radio, Submerge Magazine, and City on a Hill Press.

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Seeking Care

Healthcare is broken in the United States. The costs are exorbitant, millions remain uninsured , and tens of thousands of Americans die every year  because they can’t afford medical attention. That said, there are ways to survive in the U.S. healthcare system — especially if you know where to find affordable health care. 

We’ll cover five of the cheapest ways to see a doctor without insurance and answer some common questions regarding uninsured care. If your condition is life-threatening, don't wait. Call 911 or go to an emergency room immediately.

1. Community Health Centers

Costs:  Free to low

Community healthcare centers provide primary care to all on a sliding-scale basis, meaning that uninsured patients will pay based on their income. Some low- or no-income patients may even be eligible for a free visit. Services include preventative care, dental cleanings, vaccinations, and even support for mental health, though treatment options will vary by location. 

To find one of the 1,400 community health centers, use this tool  from the federal Health Resources and Services Administration’s (HRSA). The National Association of Free & Charitable Clinics also has a search for free and low-cost healthcare.

2. Urgent Care Center

Costs:  Low to medium

Urgent care facilities offer low-cost healthcare for patients — both insured and uninsured — with non-life-threatening conditions. According to a Forbes analysis , the average cost of an urgent care visit can range between $32 and $175, depending on what treatment and lab tests you need. For example, a wellness exam might cost $139, while a few stitches might be $150.

Related:  Inflation Drives Consumers To Postpone Medical Care at Record Rate

3. Amazon Clinic

Costs:  Low

For around $30 to $40, both uninsured and insured patients can receive treatment and virtual, chat-based consultations via Amazon’s online clinic . Like the MinuteClinic at CVS, Amazon’s service is perfect for simple, everyday healthcare issues like seasonal allergies, asthma, high blood pressure, COVID-19, and birth control. However, the service is only available in 33 states. If Amazon Clinic isn’t available or can’t treat your illness, consider other telehealth providers.

Related:  Amazon Clinic Lets You Skip the Waiting Room — Here's How

4. Walk-In Clinics

Similar to urgent care centers, walk-in clinics offer affordable healthcare and don’t require an appointment. Many pharmacy chains — such as Walgreens and CVS — have opened their own retail clinics, some of which are even cheaper than urgent care. CVS has a helpful price list  so that patients can find out how much treatment costs before they show up. 

Nurse practitioners, doctors, and other licensed health professionals at CVS’ MinuteClinic  can vaccinate against meningitis ($205), treat bug bites and stings (between $99 and $139), and screen for HIV ($99-$139), among a whole host of other everyday treatments.

For more affordable healthcare coverage, please sign up for our free newsletters .

5. Emergency Room (ER)

Costs:  High

Thanks to the Emergency Treatment and Labor Act (EMTALA) , emergency rooms must see all patients regardless of whether they have insurance or can afford treatment. But the bad news is that they aren’t cheap. According to GoodRx , the average cost for a non-emergency visit to the ER is $2,000. 

However, if you are suffering from an emergency medical condition such as chest pain or shortness of breath, you should go to your nearest ER as soon as possible.

Medicare or Medicaid

If your income is low, you’re over 65, or both, then you could qualify for subsidized health insurance from the government. Check to see if you’re eligible at  healthcare.gov .

Frequently Asked Questions

How much is a doctor’s visit without insurance?

Prices vary depending on where you go, what type of treatment you need, and your income level. For some low-income individuals, community health centers will be free, while other affordable options could cost from $30 to a couple hundred dollars.

What is the cheapest way to see a doctor?

The cheapest way to see a doctor is to visit a community health center. Or, if you only need basic care, try a low-cost telehealth provider.

How can I lower my medical bills?

Patients can request payment plans and apply for financial assistance before they receive medical care. Some hospitals even give discounts for those who pay in cash. For more information, check out  our guide on how to negotiate medical bills

https://blog.cheapism.com/lower-your-medical-bills/

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The real cost of a doctor visit without insurance: what you need to know.

Your health is priceless, but unfortunately, medical care comes with a cost. If you don’t have health insurance, a doctor’s visit can be a financial burden that you just can’t afford. The cost of healthcare in the United States is notoriously high, and navigating the healthcare system without insurance can be daunting.

However, it’s important to understand the real cost of a doctor’s visit without insurance so that you can be prepared for any medical expenses that may arise. In this article, we’ll explore the factors that contribute to the cost of a doctor visit, as well as some tips and resources to help you manage those costs. By the end of this article, you’ll have a better understanding of the real cost of a doctor visit without insurance, and you’ll be better equipped to make informed decisions about your healthcare.

The average cost of a doctor’s visit without insurance

The average cost of a doctor visit without insurance can vary widely depending on a number of factors, including the type of doctor you see, the location of the doctor’s office, and the reason for your visit. According to a study by the Health Care Cost Institute, the average cost of a doctor visit without insurance in 2023 ranges from $300 to $600. You can walk into an AG Care facility for $150.

One of the biggest factors that can impact the cost of a doctor’s visit without insurance is the reason for your visit. For example, a routine check-up or preventative care visit may be less expensive than a visit to address a specific health concern or ongoing medical condition. Additionally, the location of the doctor’s office can also impact the cost, as doctors in more expensive areas may charge higher fees.

It’s important to keep in mind that the cost of a doctor visit without insurance may not be limited to just the cost of the visit itself. There may be additional costs for lab tests, imaging, or other procedures that your doctor may recommend as part of your treatment plan. These costs can add up quickly, and it’s important to be aware of them when planning for medical expenses.

Hidden costs of a doctor’s visit without insurance

In addition to the upfront cost of a doctor visit without insurance, there may be hidden costs that you may not be aware of. For example, if your doctor recommends lab tests or imaging, there may be additional costs for those tests that you may not have anticipated. Additionally, if your doctor prescribes medication, the cost of that medication may also be an additional expense.

Another hidden cost of a doctor’s visit without insurance is the cost of follow-up care or treatment. If your doctor recommends ongoing treatment or follow-up visits, these costs can add up quickly, especially if you have a chronic condition or ongoing health concern. AG Care offers follow-up visits through its WeHealth app , which is only $47 for a month of visits.

It’s also important to keep in mind the potential cost of missed work or lost wages as a result of a doctor’s visit. If you need to take time off work to attend a doctor’s appointment, you may miss out on income that you would have otherwise earned.

Cost comparison between different types of healthcare providers

Regarding the cost of a doctor’s visit without insurance, it’s important to understand that not all healthcare providers charge the same amount. For example, a visit to a primary care physician may be less expensive than a visit to a specialist. Additionally, some healthcare providers may offer more affordable options for those without insurance.

Community health clinics, for example, may offer discounted or low-cost services to those without insurance. These clinics may also offer sliding-scale fees based on income, which can help make healthcare more affordable for those who need it most.

Urgent care centers are a more affordable option than the emergency room for non-life-threatening medical concerns. While urgent care centers may still be more expensive than a visit to a primary care physician, they may offer a more affordable option for those who need medical care but don’t have insurance.

Options for paying for a doctor’s visit without insurance

If you don’t have health insurance and need to see a doctor, a few options are available to help you manage the cost of your visit. One option is to ask about a cash discount. Some healthcare providers may offer a discount for those without insurance who are able to pay for their visit in cash.

Another option is to ask about a payment plan. AG Care is willing to work with you to set up a payment plan that allows you to pay for your visit over time.

If you’re unable to pay for your visit upfront, you may also be able to apply for financial assistance. Many healthcare providers offer financial assistance programs for those who are unable to pay for their medical care.

Negotiating the cost of a doctor’s visit without insurance

While negotiating the cost of a doctor’s visit without insurance may not always be possible, it’s worth asking if there’s any flexibility in the cost. Some healthcare providers may be willing to work with you to find a more affordable option.

One way to negotiate the cost of a doctor visit is to ask if there’s a lower-cost alternative to the recommended treatment. For example, if your doctor recommends a specific medication that’s expensive, ask if there’s a generic version that may be more affordable.

You can also ask if there’s a discount for paying upfront or in cash. Some healthcare providers may be willing to offer a discount for those who are able to pay for their visit in full at the time of service.

Tips for reducing the cost of a doctor visit without insurance

There are a few tips and tricks that can help you reduce the cost of a doctor’s visit without insurance. One of the best ways to save money on medical expenses is to be proactive about your health. By practicing healthy habits and taking preventative measures, you may be able to avoid costly medical expenses down the line.

For example, eating a healthy diet, getting regular exercise, and practicing stress management techniques can all help reduce your risk of developing chronic health conditions that may require expensive medical care.

Another way to save money on medical expenses is to shop around. If you need a specific medical procedure or test, compare the cost of the procedure or test at different healthcare providers to find the most affordable option.

Finally, consider using telemedicine services for minor medical concerns. Telemedicine allows you to connect with a healthcare provider remotely, which can be more convenient and less expensive than an in-person visit.

Importance of preventative care to reduce healthcare costs

Preventative care is one of the most important things you can do to reduce your healthcare costs over the long term. By taking steps to prevent or catch health problems early on, you can avoid more expensive medical care down the line.

Some examples of preventative care include:

– Regular check-ups and physical exams – Vaccinations – Cancer screenings – Blood pressure and cholesterol screenings – Dental exams and cleanings

By investing in preventative care, you may avoid more expensive medical care down the line, which can help you save money on your healthcare expenses over time.

Affordable healthcare options for the uninsured

If you don’t have health insurance, a few options are available to help you access affordable healthcare. One option is to look for community health clinics in your area. These clinics may offer discounted or low-cost services, as well as sliding-scale fees based on income.

Another option is to look for healthcare providers who offer cash discounts or payment plans. Some healthcare providers may be willing to work with you to find a more affordable option.

While the cost of a doctor’s visit without insurance can be high, it’s important to understand that there are options available to help you manage those costs. By being proactive about your health, shopping around for affordable healthcare providers, and exploring options like telemedicine and community health clinics, you can access the care you need without breaking the bank.

If you’re struggling to manage your medical expenses, don’t be afraid to ask for help. AG Care has financial assistance programs and payment plans for those who need it. With a little bit of research and some smart planning, you can access the care you need without sacrificing your financial well-being.

The content contained in this article is for informational purposes only. The content is not intended to be a substitute for professional advice. Reliance on any information provided in this article is solely at your own risk.

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• Work Release Letters
• Referral to Specialist
• Kids & Adults (First child under age 7 Free)
• Cold & Cough
• Sore Throat
• Corona Virus Symptoms
• Hypertension
• Gastrointestinal Issues
• Depression & Anxiety
• Post- Surgical Follow Up
• Prescription Refill
• Therapy and Counseling
• Remote Patient Monitoring