People without insurance in 2022 have several options if they need to see a health care provider.
Since the start of the pandemic, medical providers have begun seeing patients in their offices again, although telehealth appointments are also available.
Without health insurance, an in-person appointment with a medical provider typically costs between $150 and $450. telehealth appointments can cost much less.
Factors such as where you seek care, lab tests ordered, and other possible procedures will also affect your total cost.
In this article, I’ll talk about how much it costs to see a doctor without insurance and discuss the differences between primary care and urgent care.
I’ll also go over the factors that affect the overall price and share some money-saving tips.
how much does a visit to the doctor cost without insurance?
in 2016, the average cost of visiting a healthcare professional in the us. uu. it was $265.
However, this average depends on the type of medical provider you see and the type of appointment.
For example, the average visit to a primary care provider costs $186, while a visit to a specialist costs $335.
Some doctors’ offices and urgent care centers post prices for visit fees and other treatment costs on their website. however, most do not.
You can call the doctor’s office or urgent care center directly and ask for prices if necessary.
Beginning in January 2022, prior to seeing you, health care providers must provide you with a “good faith estimate” upon request, which is a list of possible charges you may receive after your appointment.
You should keep this list and compare it to the bill you receive later. If the bill is $400 more than your good faith estimate, you may be eligible to initiate a dispute between the patient and the provider.
primary care versus urgent care
It’s a good idea to set up with a primary care provider in your area to seek preventive and routine services. Plus, they can get to know you and help monitor your health.
When you’re sick, your primary provider may be able to see you fairly quickly if you’re already established with them.
Major providers can usually refer you to a local specialist if a problem arises out of their control.
Urgent care centers are great for quick treatment when your main provider can’t see you. Examples of urgent care situations include:
- minor strains, sprains, or broken bones
- a cut that may require stitches
- minor burns
- mild nausea and vomiting</li
- urinary tract infection
Whenever you feel your life is in danger, go to the nearest emergency room or call 911.
factors that affect the price of a visit to the doctor
Several factors affect the cost of your doctor’s visit, including the type of appointment you need and the type of medical provider you see.
It also depends on the services you need, your treatment plan, and where your appointment is.
The type of patient you are will affect how much you pay.
A new patient visit may have a “new patient fee” added to the total cost of the office visit fee.
This additional cost is because a new patient visit is typically longer than a follow-up appointment. The medical provider will get to know you and your medical history and perform a complete exam.
type of health care provider
The type of supplier also determines the price.
Seeing a primary care provider may cost less than seeing a specialist, like a cardiologist, for example.
A visit to a primary care provider’s office costs an average of $265.
On the other hand, seeing an orthopedic specialist costs about $416 without insurance.
Some primary care providers now also have physician assistants (pas) or nurse practitioners (nps) who can also care for patients. sometimes those appointments can cost less than seeing the doctor.
What kind of services are required for your visit? If your problem is minor and requires a simple evaluation and minimal time, your office visit may cost less.
If you need a more comprehensive exam and other procedures, such as injections or a lab draw, your visit may cost more.
Just remember to request a good faith quote before your appointment.
the price will be different depending on where your appointment takes place.
For example, seeing a doctor in an emergency department instead of an outpatient clinic will significantly affect how much you’ll pay.
Also, seeing a medical provider in the middle of a big city will cost differently than visiting a medical provider on the outskirts of town.
If you can, check the prices of doctors’ offices around you before you make an appointment.
Seeing a medical provider in person can also cost more than seeing it through a telehealth appointment.
tips to save money on doctor visits
here are some tips to save money on your doctor appointments.
request a self-pay discount
When you call to make your appointment, please let the receptionist know that you will be a self-pay patient.
Ask them if the office has special prices for patients who pay cash.
sometimes this method is even cheaper than the insured rates.
price store for suppliers
Call ahead to medical offices in your area and ask questions before deciding where to make an appointment. calling different cities around you can have significant price differences.
ask questions like:
- how much does a new patient appointment cost?
- how much does a follow-up visit cost?
- how much does an annual check-up cost?
- how much do routine labs cost?
If you know you need specific services, ask about them too.
For example, you might want to ask how much the office charges for checking your blood sugar.
Community health clinics are great resources for affordable care. Some of these clinics offer specific services for free, and many allow people to pay using a “sliding scale” based on their income.
find an alternative care option
Telehealth has expanded dramatically in recent years. Many private telehealth companies have started and private doctors have also started offering telehealth as part of their services.
a k doctor’s appointment is a wonderful option for people without insurance. however, policyholders can also benefit from its fast and affordable service.
For $35, you can schedule a one-time appointment with a board-certified doctor or get unlimited visits for $49 a month. there are no additional fees or strings attached.
Our doctors can check your medical history, offer advice, determine if you need medication, prescribe it, and sometimes even mail it to you.
If you prefer to fill your prescriptions at your pharmacy, k health provides a prescription discount card to help you save up to 80%.
Finally, k health is fsa and hsa compliant. there are no hidden deductibles or copays and you save on transportation costs because the visits are online.
when to see a health care provider without insurance
It’s never a good idea to avoid seeking medical care because you don’t have insurance.
In fact, not getting the right treatment can become a much bigger and more expensive problem.
Affordable options are available, and it’s just a matter of doing some research and finding out where the deals are.
If you feel your life is in danger, seek immediate care at an emergency room or call 911.
Did you know you can get affordable primary care with the K Health app?
Download k to check your symptoms, explore conditions and treatments, and if needed, text a healthcare provider in minutes. K Health’s AI-powered app is HIPAA compliant and based on 20 years of clinical data.