doctor visit without insurance price

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.

• 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
• primary care
• telemedicine
• healthcare costs
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What is the cheapest way to see a doctor without insurance?

Cheapest way to see a doctor without insurance

Community Health Centers and charitable clinics are often the cheapest way to see a doctor without insurance, as these organizations may offer free or sliding scale services based on income. Telemedicine visits can also be budget-friendly, with many online providers charging $20 to $50 for an initial consultation.

*For evaluation and treatment for minor illnesses or injuries; additional tests or procedures cost more.

According to the Department of Health and Human Services (HHS), 25.3 million people in the U.S.—7.7% of the country—were uninsured as of August 2023.

The Federal Poverty Level (FPL) is often used to determine if you're eligible for financial assistance to help cover medical expenses, such as Medicaid or the Children's Health Insurance Program (CHIP). The FPL annual income numbers for 2024 are:

$15,060 for individuals

$20,440 for a family of 2

$25,820 for a family of 3

$31,200 for a family of 4

Community Health Center

A Community Health Center (CHC), also called a Federally Qualified Health Center (FQHC), is a government-funded organization that provides primary care services on an income-based sliding scale, or sometimes even for free. Many Community Health Centers also offer free or low-cost prescription medications.

CHCs help remove the most common obstacles to healthcare, such as prohibitive costs, lack of insurance, distance, and language barriers. Most CHCs offer a wide range of services, including:

Basic medical care

Prenatal & perinatal care

Vaccinations

Family planning

Preventive care

Chronic disease management

Dental care

Behavioral health

Radiology services

Title X clinics

Title X clinics are funded by the federal government's Title X Family Planning Program to provide affordable family planning and reproductive health services, including:

Contraceptive education & counseling

Breast & cervical cancer screenings

Sexually transmitted infection (STI) testing & treatment

Pregnancy testing & counseling

Like CHCs, Title X clinics typically operate on a sliding fee scale based on income, ensuring healthcare services are available to everyone, regardless of their ability to pay.

Charity care

In addition to Community Health Centers and Title X clinics, many areas have charitable health clinics and pharmacies—often run exclusively by volunteers—that offer free or discounted healthcare for the uninsured or underserved. Eligibility requirements vary by location, but most patients are below 100% to 300% of the FPL.

Free and charitable clinics receive funding through donations, grants, and other private funding methods. Their healthcare services typically include:

Primary care

Dental & vision care

Labs & immunizations

Specialty care & referrals

Women's health

Mental health

Smoking cessation

Substance abuse

Federal law also requires non-profit community hospitals to provide some amount of charity care, referred to as "financial assistance" by the IRS, to maintain a non-profit tax-exempt status.

Search the National Association of Free & Charitable Clinics (NAFC) database and contact a local clinic directly for program details and eligibility requirements.

Online & telemedicine consultations

The rise of telemedicine has made it easier than ever to see a doctor virtually, often at a fraction of the cost of an in-person visit. The U.S. government also recently lifted restrictions on telehealth, expanding access and coverage. Some providers offer multiple visit formats, such as video, telephone, or message-only consultations.

Through online medical providers, a doctor's visit without insurance costs $20 to $50 for an initial consultation. They also offer discounts on a wide range of medical services that don’t require in-person care.

While a virtual visit can't cover all medical needs, it's a convenient and low-cost way to address minor issues, get prescription refills, or determine if in-person care is needed. The table below shows some affordable telemedicine options.

*Prices vary by state and condition.

Many telemedicine providers also offer membership options that include additional discounts on doctor visits and other healthcare services.

Retail walk-in clinics

Many major retailers like CVS, Walgreens, and Target offer basic health services through in-store clinics and online consultations. These clinics, usually staffed by nurse practitioners or physician assistants, provide care for minor illnesses, injuries, and preventive needs at a budget-friendly price, often less than $100 .

Retail health clinics also offer affordable vaccines, immunizations, and testing appointments. Check online for coupons beforehand, as you can often find deals that reduce the price further.

A rapid COVID test costs $20 to $140 at Walgreens and CVS for patients without insurance.

A standard flu shot at CVS costs $75 . A high-dose flu shot for adults 65+ costs $103 .

A Walgreens flu shot costs $42.49 for a standard shot or $76.99 for a high-dose flu shot.

A flu shot at Walmart costs $83.06 for a standard shot without insurance or $99.04 for a high-dose flu shot.

Urgent care centers

An urgent care visit without insurance costs $150 to $250 on average. Some centers may also offer discounts or payment plans. For medical issues that are not life-threatening but still require prompt attention, an urgent care center is typically more affordable than an emergency room visit, with or without insurance.

IMPORTANT: If you're uninsured and your medical situation is life-threatening, don't spend time comparing the cost of urgent care versus an emergency room . Head straight to an ER to ensure you get the critical care you need. An ER visit will cost more, but they cannot deny care.

Medicaid & CHIP

Depending on your income, age, and other factors, you may be eligible for Medicaid or the Children's Health Insurance Program (CHIP), which can significantly reduce your healthcare costs.

Medicaid is a joint federal and state program that provides health coverage to millions of Americans, including eligible low-income adults, children, pregnant women, elderly adults, and people with disabilities. Eligibility and covered services vary by state, so check with your state's Medicaid office to see if you qualify.

CHIP provides free and low-cost health coverage to children of families that don't meet Medicaid's income requirements. Coverage specifics vary by state but typically include routine care, vaccinations, diagnostic services like lab work and X-rays, dental and vision care, prescriptions, emergency services, and hospital care.

Medicare is a federal health insurance program for people 65 years or older and certain younger people with disabilities. While Medicare does have some out-of-pocket costs, it may be more affordable than paying for care without insurance.

Urgent care vs. walk-in clinic

While prices depend primarily on the level of care you need, urgent care centers typically charge more than walk-in clinics. Both facilities offer walk-in appointments, but urgent care clinics usually have a wider range of services that include diagnostic equipment and staff trained for minor traumas like broken bones or cuts.

Free mental health services

Mental health care has historically been underfunded and more costly for patients compared to physical health care, despite being an essential component of overall well-being. There are several options available for individuals seeking affordable mental health services:

University & college counseling centers: Many universities and colleges offer free or low-cost counseling services to their students through on-campus counseling centers. These services are typically included in student fees or available at a nominal cost.

Non-profit organizations & support groups: Various groups and organizations offer free mental health services, such as counseling, support groups, and educational resources. Some examples include the National Alliance on Mental Illness (NAMI) , Mental Health America (MHA) , and local religious organizations or community centers.

Federally funded clinics: The federal government funds various clinics and programs that offer free or low-cost mental health services, including Federal Qualified Health Centers (FQHCs) and Community Mental Health Centers (CMHCs).

You can locate government-funded mental health clinics through the Health Resources & Services Administration (HRSA) and Substance Abuse & Mental Health Services Administration (SAMHSA) websites.

FAQs about medical care without insurance

Where can i go for medical care without insurance.

There are several options for accessing care without insurance, including Community Health Centers, urgent care clinics, retail health clinics, and telemedicine services. These options may not cover all types of care, and costs can still add up. However, for many non-life-threatening medical situations, these options are typically cheaper—and often quicker—than an emergency room visit.

How can I get help paying for my medical bills?

If you're struggling with medical bills, try negotiating with the provider, asking for an itemized bill, or seeking out financial assistance programs. Some hospitals offer charity care for low-income patients, and there may also be state or local programs that can help.

Does urgent care cost less than the emergency room?

In general, yes. Urgent care centers are equipped to handle non-life-threatening issues that still require prompt attention, and their costs are usually much lower than an ER visit. However, for true medical emergencies, the ER is still the best option.

What if I need surgery or have a serious medical issue?

For major medical needs, free and low-cost options may not be sufficient. If you're facing a serious health issue and are uninsured, explore all possible options, including Medicaid, Affordable Care Act (ACA) marketplace plans, and hospital financial assistance programs. Don't delay care for serious concerns.

What is a community health center?

According to the National Association of Community Health Centers , a Community Health Center, or CHC, is an affordable health care option that provides care to all patients, regardless of ability to pay. There are CHCs in every state, U.S. territory, and the District of Columbia helping increase access to essential primary care for uninsured individuals and in underserved communities.

Ways to save on medical care without insurance

While navigating the healthcare system without insurance can be challenging, being an informed consumer and exploring your options can help you access more affordable care. Beyond finding the cheapest doctor visit pricing, here are some strategies to help lower other potential healthcare expenses:

Look for prescription medication savings:

Ask your provider for generic medications instead of brand-name drugs and ask if they have samples.

Use online tools like GoodRx to compare prescription prices and find coupons.

Check out the Mark Cuban Cost Plus Drug Company, an online pharmacy with transparent, low-cost pricing.

Negotiate & ask for discounts: If you do find yourself facing a high medical bill, don't be afraid to negotiate or ask about payment options.

Inform the provider that you are uninsured and ask if they offer any discounts.

Request an itemized bill and verify that the charges are accurate.

Ask about sliding scale fees, payment plans, prompt pay discounts, or charity care options.

Offer to pay a portion up front in exchange for a discount.

Do not let a lack of insurance keep you from seeking necessary medical care. While the options for affordable care without insurance may not be perfect, they can help ensure you have access to essential medical care when you need it. Remember, your health is always worth investing in.

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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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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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] .

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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/

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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Moscow Family Medicine

Primary care for the whole family..

Our multiple Moscow clinic locations offer both same-day, walk-in care and preventative care options that keep you close to your support system, integrated with specialty services that allow you to stay in the community for your treatment and recovery.

Moscow Family Medicine Downtown: 208-882-2011 .

Moscow Family Medicine Westside: 208-874-0075

Billing Questions: 208-882-4611 .

Same-Day Care for Coughs, Colds, Minor Cuts and Injuries

QuickCARE is our full-service walk-in clinic available for your emergent health care needs without scheduling an appointment.

QuickCARE Location and Hours

Patient Services

Request an appointment at all Gritman locations, including Downtown and Westside. Request an Appointment

Review your medication, personal information or communicate with your provider. Patient Portal

Pay your billing statement balance by credit or debit card. Pay My Bill

Request your Moscow Family Medicine medical records. Medical Records

Search our database of more than 100 providers by name, location and specialty. Find a Doctor

A full range of childhood vaccination is available for both children and young adults. Childhood Immunizations

Moscow Family Medicine Downtown

Moscow Family Medicine Westside

2500 W. A St., Moscow, ID 83843 Monday – Friday, 8 a.m. to 5 p.m. Phone: 208-874-0075

2500 W A St. #101, Moscow, ID 83843 Monday – Friday, 8 a.m. to 6 p.m. Saturday, 8 a.m. to 4:30 p.m. Sunday, 11 a.m. to 4:30 p.m. Closed on major holidays. Phone: 208-883-0540

Services We Provide

• Allergy Care & Information
• Childhood Immunization
• Laboratory & Testing Services
• Pediatric Care
• Primary Care
• Sports Medicine

Our Providers

Amy Dudley, MD

Brad Capawana, DPM

Bryn Parker, MD

Cameron Jones, MD

Candice Ketelsen, PA-C

Frequently asked questions, why did i receive a bill from moscow family medicine.

If we are not contracted with your insurance company or the services we provided are not covered by your policy you may receive a billing statement from us. You may also receive a bill for your copay, coinsurance and/or deductible amounts. To ensure you get the greatest benefit from your health insurance coverage, check your policy to make sure the services you seek are covered and don’t hesitate to call your insurance company if you need clarification about what services your policy covers or whether Moscow Family Medicine is and “in-network” provider.

Do you take my insurance?

We accept most forms of insurance, including Medicare and Medicaid. Please direct questions to our Billing Department . We do not bill internationally – if you are a student or visitor from another country you will have to pay your bill and then send it to your insurance for reimbursement. We offer discounts for those without insurance who pay in full at the time of the visit.

What can I do when I need an appointment, but my doctor is booked for a week?

Our care teams may be able to connect you with another provider or member of our medical staff in the event your primary care provider isn’t available. Ask your scheduler about additional options for your appointment. Our QuickCARE clinic also addresses emergent matters on a walk-in basis.

Thanks for visiting! GoodRx is not available outside of the United States. If you are trying to access this site from the United States and believe you have received this message in error, please reach out to [email protected] and let us know.

Moscow Medical is the longest serving family practice on the Palouse. We are a certified Rural Health Outpatient Clinic committed to excellent medical care and offer a full range of  family practice services , including same day appointments. We welcome  all patients , regardless of inability to pay.

Flu shots are available for children and adults by appointment or walk-in.

Moscow Medical is  accepting new patients . We are also hiring. Check out our  open positions .

Visit us at 213 N Main Street, Moscow, ID 83843 or call (208) 882-7565.

Questions about COVID? Visit  https://coronavirus.idaho.gov  or call the COVID hotline (866) 736-6632.

Our Providers

Learn about Moscow Medical’s providers Jessica Cruz, Sara Presol and Raymond Paz  on our providers page .

Our Services

Moscow Medical offers you the  latest in family medical care . Our services include the following and much more.

• Urgent and Same Day
• Pediatrics and Newborn Care
• Women’s Health Care
• Student Health

To schedule an appointment, call (208) 882-7565.

Primary Care Physicians: Family Medicine

• More Filters 0

Dr. John Grauke MD

Family Medicine : Sleep Medicine

Patients Top Choice

700 S Main St, Moscow, ID, 83843

0.15 miles from Moscow, ID

Gritman Medical Center , + 1 more

21+ Years of Experience

Dr. Ramona S. Geidl MD

Family Medicine : Bariatric Medicine

505 S Mountain View Rd Ste 3, Moscow, ID, 83843

1.10 miles from Moscow, ID

Gritman Medical Center

Dr. Rodney R. Story MD

Family Medicine : Hospice & Palliative Medicine, Hospital Medicine/Hospitalist, Emergency Medicine

1350 Troy Rd, Moscow, ID, 83843

1.21 miles from Moscow, ID

Gritman Medical Center , + 2 more

Dr. Shaleah D. Jones MD

Family Medicine : General Family Medicine

915 Ne Valley Rd, Pullman, WA, 99163

7.75 miles from Moscow, ID

Pullman Regional Hospital

Dr. Gary M. Candelaria DO

1210 W Fairview St, Colfax, WA, 99111

19.88 miles from Moscow, ID

Whitman Hospital and Medical Center

Dr. Jessica E. Bonnett DO

Dr. Jessica Bonnett is a family medicine doctor in Moscow, ID, and is affiliated with Gritman Medical Center. She has been in practice between 10–20 years.

623 S Main St, Moscow, ID, 83843

0.12 miles from Moscow, ID

11-20 Years of Experience

Dr. Robert Ting MD

Dr. Robert Ting is a family medicine doctor in Moscow, ID, and is affiliated with Gritman Medical Center. He has been in practice more than 20 years.

623 S. Main, Moscow, ID, 83843

0.13 miles from Moscow, ID

Dr. Deborah A. Collins (Kuhn) MD

Dr. Deborah Collins is a family medicine doctor in Pullman, WA, and has been in practice between 10–20 years.

Washington State University, Pullman, WA, 99164

6.92 miles from Moscow, ID

Dr. Vicky M. Lott MD

Dr. Vicky Lott is a family medicine doctor in Pullman, WA, and is affiliated with multiple hospitals including Pullman Regional Hospital. She has been in practice more than 20 years.

7.12 miles from Moscow, ID

Dr. Maxwell B. Williams MD

Dr. Maxwell Williams is a family medicine doctor in Pullman, WA, and is affiliated with multiple hospitals including Whitman Hospital and Medical Center. He has been in practice more than 20 years.

1205 Se Professional Mall Blvd Ste 105, Pullman, WA, 99163

7.68 miles from Moscow, ID

Pullman Regional Hospital , + 1 more

Dr. Sunday D. Henry MD

Family Medicine : Sports Medicine (Non-Surgical)

Dr. Sunday Henry is a family medicine doctor in Pullman, WA, and is affiliated with Pullman Regional Hospital. She has been in practice more than 20 years.

1125 NE Washington Street, Pullman, WA, 99164

Dr. Kimberley F. Guida MD

Dr. Kimberley Guida is a family medicine doctor in Pullman, WA, and is affiliated with Pullman Regional Hospital. She has been in practice more than 20 years.

7.79 miles from Moscow, ID

Dr. Benjamin J. Adkins MD

Dr. Benjamin Adkins is a family medicine doctor in Pullman, WA, and is affiliated with multiple hospitals including Pullman Regional Hospital. He has been in practice more than 20 years.

8.02 miles from Moscow, ID

Dr. John B. Rudolph DO

Dr. John Rudolph is a family medicine doctor in Lewiston, ID, and has been in practice between 10–20 years.

415 Sixth St, Lewiston, ID, 83501

21.56 miles from Moscow, ID

Dr. David B. Martin MD

Dr. David Martin is a family medicine doctor in Clarkston, WA, and is affiliated with multiple hospitals including Northwest Specialty Hospital. He has been in practice more than 20 years.

1625 5th St, Clarkston, WA, 99403

22.88 miles from Moscow, ID

Northwest Specialty Hospital , + 2 more

Dr. R Kim Hartwig MD

Dr. R Kim Hartwig is a family medicine doctor in Lapwai, ID, and is affiliated with St. Joseph Regional Medical Center. She has been in practice more than 20 years.

111 Bever Grade, Lapwai, ID, 83540

24.54 miles from Moscow, ID

St. Joseph Regional Medical Center

Dr. Stephen P. Hall MD

Dr. Stephen Hall is a family medicine doctor in Pullman, WA, and is affiliated with Pullman Regional Hospital. He has been in practice more than 20 years.

825 Se Bishop Blvd Ste 200, Pullman, WA, 99163

7.91 miles from Moscow, ID

Dr. Richard K. Howe MD

Dr. Richard Howe is a family medicine doctor in Pullman, WA, and is affiliated with Clearwater Valley Hospital and Clinics. He has been in practice more than 20 years.

825 SE Bishop Blvd, Pullman, WA, 99163

7.94 miles from Moscow, ID

Clearwater Valley Hospital and Clinics

Dr. Cheryl A. Mallory MD

Dr. Cheryl Mallory is a family medicine doctor in Lewiston, ID, and has been in practice more than 20 years.

2315 8th St, Lewiston, ID, 83501

22.94 miles from Moscow, ID

Dr. Dan J. Schmidt MD

Dr. Dan Schmidt is a family medicine doctor in Moscow, ID, and is affiliated with Gritman Medical Center. He has been in practice more than 20 years.

803 S Main, Moscow, ID, 83843

0.11 miles from Moscow, ID

Conditions treated by Family Medicine Doctors

Family medicine doctors near me.

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Frequently Asked Questions

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U.S. News provides reviews for Family Medicine Doctors, also known as Primary Care Physicians, nearby. Choose the best PCP based on the reviews provided.

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U.S. News provides insurance information for all our Primary Care/Family Medicine Doctors, when available. Confirm insurance coverage with your insurance company before making an appointment.

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U.S. News provides online appointment booking for select Primary Care doctors through telephone, in person visits and tele-visits when available. Click on “Book an Appointment” within a provider's profile to check if they provide after-hours care.

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Primary Care doctors treat a range of conditions, including coughs, colds and high blood pressure.

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