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

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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

Doctor calculating how much a visit 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.

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Doctors' Charges, Physician Prices, Average Cost, Anesthesia

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Primary Listings

Hospital clinic and office visit charges and medicare payments 2020.

Find Hospital Clinic and Office Visit charges (average price) for 2020, and the payments that Medicare made. Find average charges for about 13,000 different codes (depending whether office or hospital facility-based). National average prices are in a large dataset file. Extremely difficult to use, even if somewhat familiar with using Excel files. File uses HCPCS codes. The most common codes were office visits 99213 (average charge about $149) and 99214 (average charge about $222). Medicare allowed about $72 for code 99213 and about $105 for 99214. Therapeutic exercise (code 97110) had average charge of $63, with Medicare allowing about $26. Lab tests, x-ray, emergency department visits are in the file. An Emergency Department visit (code 99285) had a national average facility charge of $1,201, with Medicare allowing just $174 for the ER visit facility charge. A CBC lab test 85025 had an average charge of $35 (Medicare allowed $8); a blood test coded 88053 had an average charge of $56, with Medicare allowing $10. State by state average prices are also listed. Physician charges may be available in the Provider dataset. Calendar year 2020 data from CMS updated July 2022.

Office Visit Costs Allowed by Medicare (2021)

Find out how much the average charge submitted to Medicare is, and how much Medicare “allowed” for physician office visits by patients in 2021. Charges (prices) for other provider services such as blood draws, blood tests, and administering vaccines are also in the database file. The most common doctor visit type was code 99214 – an outpatient office visit for an established patient, total time 30 to 39 minutes. The average charge was $238 (all numbers rounded), with Medicare allowing $125. The difference between the two numbers effectively represents a “discount” on charges of 47%. A shorter, less complicated visit – 99213, for an established patient (20-29 minutes) had an average charge in 2021 of $161, with Medicare allowing $88. The charges are the same for ALL patients, but your own health insurance company most likely has a smaller discount than Medicare takes.

The database is extremely large and difficult for laypeople to work with. But if one is methodical and patient, consumers may be able to find how much office visits and lab tests cost. Knowing the visit code or HCPCS code may help it go faster. Medicare Physician and Other Practitioners by Geography and Service 2021 , from data.cms.gov. Updated March 8, 2024.

Colorado Average Cost for Office Visit, ER Visit, Outpatient Tests and Hospital Stay

Find out the average charge and average amounts allowed (cost) for an office visit, ER visit, outpatient tests and hospital stays in Colorado. More than 60 types of hospitalizations and almost 90 outpatient types are listed. Web site shows average price and amount paid in 2020 for each major insurance company. Compare the 9 regions such as Denver, Boulder, Ft. Collins, East CO, etc. Average cost for a 15-minute office visit (code 99213) was $101 in CO in 2020, compared to an average charge of $199. A new patient visit (99203) cost $176 for 30 minutes; the average charge was $288.  The most common type of ER (emergency room department) visit cost $1,293 (allowed) compared to $2,432 in charges. The ER visit code was 99283. The next two most common ER visit types cost $2,202 and $3,586 on average; their charges averaged almost $4,800 and $6,600 respectively. Most likely there were additional tests and imaging charges that were added to the bill.

Almost 13,000 Medicare Advantage cataract and lens procedures were done in 2020 (code 66984). While the average cataract removal charge was over $4,400, the allowed amount was $1,053. The Medicare member was responsible to pay $105 to $227, depending on insurance company. For other insurance, the member might have to pay $943 for a cataract removal. View prices and average costs for colonoscopy and ambulatory knee arthroscopy surgery. Inpatient costs include maternity and newborn charges, C-Section delivery, psychiatric admission, alcohol treatment, rehab, depression, diabetes and many more hospital stays. Consumers may wish to add medical inflation of at least 4.4% for 2022. Provided by the State of Colorado.

Cosmetic (Plastic) Surgery Prices – Physician Fees, 2021 (pdf) Editor's Pick

Cosmetic surgery (plastic surgery) average prices show physician fees for 2021. The average cost went up 6% for a surgical procedure. This compares to 1.23% medical cost inflation. Average cost (2021) shown near the end of this document: e.g. $6,764 for tummy tuck, $4,235 for breast augmentation, $4,864 for breast lift (mastopexy), liposuction $2,736, eyelid surgery (blepharoplasty) at $3,963, up 33%; breast reduction $5,806, nose surgery (rhinoplasty) $5,443, facelift at $9,127, neurotoxins at $409, dermal fillers at $766, and nonsurgical fat reduction $1,735. Prices do not include facility fee nor anesthesia cost. ASAPS physicians performed 320 surgical procedures, on average, in 2021. In total, (plastic) surgical procedures increased 54%. Liposuctions increased 66% in 2021. Face and neck procedures were up 55% in 2021, believed in part, due to the “Zoom Effect”. See Quick Facts in older reports for how long cosmetic surgery or botox procedures or spider vein treatments take, average surgeon’s fees, how long before you’re back to work, etc. Find the average surgeon’s fees in this annual book of national statistics by The Aesthetic Society (also called the American Society for Aesthetic Plastic Surgery, or ASAPS). ASAPS active members are Board-certified in Plastic Surgery.

Cost of an Office Visit (MEPS)

MEPS provides the average and median cost for a doctor’s office visit. Average cost paid (payments) for an office-based physician visit in 2016 was $265 (about $311 in 2022 dollars with medical inflation). For primary care (family medicine, internists and general practice) the 2016 average visit cost was $186. (For all 2016 numbers add about 17.2% to estimate 2022 prices.) Pediatrics came in at $169; psychiatry at $159, Dermatology at $268, OB/GYN was $280 per visit. Specialists in Ophthalmology were $307, but Orthopedics and Cardiology jumped to $419 and 335 respectively. Other specialists (as a group) averaged $365. Median or typical expenses were considerably lower at $116 overall, and $107 for primary care, $103 for psychiatry and ranging up to $134 median for ophthalmology and orthopedics. Mean out of pocket expense was highest for ophthalmology ($125) and lowest for pediatrics ($40). Primary care was $50 average out of pocket, if the patient had some responsibility. Statistical Brief # 517, pub. October 2018 by AHRQ using Medical Expenditure Panel Survey (MEPS) data; household component.

Healthcare Expenses for Seniors (MEPS)

Healthcare expenses for seniors are outlined in this MEPS report on Health Care Expenditures for the Elderly Age 65 and over. Median annual expenditures were $4,206 per person (about $5,724 in 2022 dollars). Average annual expenses for those with expense were $9,863 in 2011. Using medical inflation rates, $9,863 is about $13,424 in 2022 dollars. Medicare paid over 62% (up considerably from 10 years earlier); private insurance paid 16%; out-of-pocket amount declined to 12%. 96% of seniors had some healthcare expense, most often office-based care and prescribed medicines. Medications took up 22% of the total, averaging $76 per purchase. For seniors, the inpatient room rate averaged $3,199 per day (sticker shock, and nearly $4,354 in 2022 dollars); ER visit was $884 on average ($1,203 in 2022 dollars); office visit was $228. MEPS Statistical Brief #429 uses 2011 data, published Jan. 2014. Add about 36% to account for medical inflation to 2022.

How Much Does an Office Visit cost compared to an ER visit?

An average physician office visit in 2021 cost $365, compared to $1,164 for an Emergency Room visit. Average expenses went up 9% last year for a physician office visit, and are $100 higher than five years ago. Costs for an ER visit were up 1.2% over last year, and about $160 more than five years ago. Consumers should expect higher costs for 2023 and 2024; $365 in 2021 is about $381 in 2023 using medical inflation factors. With inflation, $1,164 is about $1,215 in 2023 dollars.

MEDIAN expenditure per PERSON with an expense was $513 for office visits and $834 for ER visits. The median expenditures cover the total for the year, including multiple visits. The data from MEPS (Medical Expenditure Panel Survey) informs consumers about the large difference between cost of care in a doctor’s office vs. Emergency Dept, more than 3 times higher. The main link for ER cost and office visit is to the interactive database.

Separately, the most recent MEPS Statistical Brief #517 analyzed Expenses for Office-Based Physician Visits by Specialty and Insurance Type, 2016 . published in October 2018. It is mentioned here only for reference because it shows primary care visit cost $186 in 2016; pediatrics office visit cost $169; ophthalmology visit $307 and OB-GYN visit $280 (all 2016 dollars).

Maine Costs for Surgery, x-ray, imaging, lab tests (MHDO)

Compare costs in Maine for surgery, x-ray, imaging and lab tests across hospitals and medical groups. MHDO Maine Health Data Organization’s website shows average amount paid (median “cost”) by commercial insurance for surgery such as hip or knee replacement, shoulder arthroscopy, carpal tunnel, gallbladder removal; skin growth removal; lab tests such as strep, blood tests, urine. Imaging tests such as mammogram, x-ray, CT, MRI, ultrasound. Diagnostic procedures such as colonoscopy. Good news is that both physician and hospital charges for surgery are shown to give you an idea of total cost (and discounts); CPT codes listed. Costs for surgery, office visits and tests are from 2020-2021 claims, excluding Medicare and Medicaid. Search by city or zip code radius. From maine.gov; updated 2022.

MN – Average Cost Per Procedure

Average cost per procedure at medical clinics in MN. The average cost per procedure (ACP) in Minnesota is defined as the Allowable charge that commercial health insurance plans (including the patient responsibility portion) PAID in 2020 to medical groups. Physician fees only, not facility fees. Median costs listed include Eye exams, Colonoscopy, Endoscopy with biopsy, Imaging (x-ray, CT, MRI, with and without contrast, screening mammogram, ultrasound), Lab tests (about 30 common tests), Vaccines, Mental health services and psychotherapy, doctor Office Visits, Physical therapy, minor in-office surgery (e.g. skin lesion or earwax removal or vasectomy) and more. Medicare and Medicaid payment rates are also shown for reference. Minimum and maximum (range of costs) are reported for each procedure, visit or test. List of 2020 average costs starts on page 18 of the 2020 Health Care Cost & Utilization Report Appendices . Unfortunately, the most recent report does not show costs by medical group name. Report by Minnesota Community Measurement, mncm.org, published November 2021.

South Carolina – Medicaid Fee Schedule Payments for Health Care Services – 2022

Find the average fee that Medicaid pays for healthcare services in South Carolina. SC Department of Health & Human Services shows Fee Schedules for doctors, dentists, optometrists (eye doctors) and more. For example, the Medicaid cost for a doctor visit with the code 99214 was $81.15. You must know the code, since these Excel files are published for healthcare professionals. Fee schedules include Ambulatory Surgery, Ambulance, Lab & X-Ray, Outpatient Hospital and other providers. Inpatient hospital and nursing home fees are NOT shown. Updated October 2022.

Virginia Healthcare Prices – ER Visit, Ambulatory Surgery, Test, Hospital Stay Costs

Find Virginia Healthcare Prices for ER visits, ambulatory surgery, tests and hospital stays. This site shows average price ALLOWED (commercial insurance prices) in 2018 for almost 40 common healthcare services in VA. Includes a mix of outpatient, clinic, hospital stays and other services such as an ambulance (median $550) or an emergency helicopter ride ($19,466 which includes average base cost of $14,402 plus mileage). Examples: hospitalizations (maternity), outpatient xray/imaging, CT and MRI tests; colonoscopy, mammogram; inpatient or ambulatory surgery (e.g. hernia, gall bladder, knee replacement, tonsillectomy, kidney stones); and ER or well-child visits (median $126). Shows median and range of costs and provides a breakout by type of cost: facility, surgeon, anesthesiologist, etc. Also shows average price by setting: clinic vs. hospital vs. ambulatory surgical center; and region of Virginia. The median amount allowed for an ER visit (medium, code 99283) was $1,091. The 2020 report shows allowed amounts for each service that you or your insurance plan ACTUALLY PAID in 2018. More relevant than most pricing information, but lags in timeliness. Add at least 12% medical inflation rate to estimate 2022 costs. Virginia Healthcare Pricing Transparency, from Virginia Health Information (VHI), updated June 2020. No new updates as of August, 2022.

VT Hospital Physician Office Visit Prices 2022

Compare what hospitals in Vermont were charging for physician office visits in 2022. For example, code 99213 averages $162 for the physician. Since hospitals may charge an additional fee, the total charge in the state was about $240 per visit.  Fees ranged from $69 at Copley’s physician groups and $98 at Northeastern VT Regional Hospital to $866 at North Country) for an established patient code 99213. Code 99214 average price was $311. New patient prices also shown. If non-hospital medical groups exist in VT, their fees are not shown. Provided by state of Vermont; prices are good only through September 30, 2022. The state and its hospitals seem to be back on track with their reporting, after relaxing their rules during the pandemic.

Childbirth – Average Total Cost for Having a Baby (AHRQ MEPS pdf)

Childbirth expenses. The average total cost of having a baby was about $12,000 in 2009 if you were privately insured and had an uncomplicated pregnancy. Adjusting for medical inflation (only), the total childbirth cost would be about $17,400 in 2022 dollars. The estimate includes actual payments (expenditures, not charges) for all prenatal office visits, hospital childbirth (inpatient maternity and newborn delivery), prescription medications and other services for an uncomplicated pregnancy. In 2009, privately insured patients paid just under 10% out of pocket. Report from the Agency for Healthcare Research and Quality uses Medical Expenditure Panel Survey (MEPS) data for 2006 to 2009 patients; Research Findings #32 published June 2012. No update available as of November 2022. Very old data.

Other Helpful Listings

Average cost of a hospital er visit, meps.

What is the average cost of a hospital ER visit?  According to the Medical Expenditure Panel Survey (MEPS), the average cost of an ER visit was $1,150 in 2020, up 6.3% from 2019. (If you add medical inflation to 2022, the ER cost estimate would be about $1,210.) Adults ages 18 to 64 had the highest average visit cost at $1,385. Infants and children under age 18 cost $821 per visit on average. Age 65+ averaged $849. The average ER visit cost for someone uninsured was about $1,500 in 2020, up 23% compared to a year earlier. Someone under age 65 with private insurance had an average ER visit expense of $1,682. Many people made more than one trip to the Emergency Room in 2020. Consequently, the total expenditure per person with one or more ER visits during the year, was $1,724 in 2020. The median expenditure per person with an expense was $852.

The costs reported by MEPS are the expenditures (total amounts paid by all parties including insurance) for the ER visits. Actual charges would be much higher. An older, but detailed explanation – using cost to charge ratios – was published in December 2020 ( HCUP Statistical Brief #268 ). It reports an average cost (different methodology) for an Emergency Department visit in 2017 of only $530 (which would be about $609 in 2022 dollars). The federal government has not released costs for the 2021 Emergency Department visits yet. The interactive tool may be difficult for many people to use.

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Price Transparency

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

Michael Barber

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.

How Much Does a Doctor’s Visit Cost Without Insurance?

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.

Rob Rohatsch

Dr. Rob Rohatsch currently serves as Chief Medical Officer for Solv Health. Dr. Rohatsch brings his extensive background in multi-site ambulatory medicine operations, on-demand healthcare, and consumerism to Solv, where he helps drive strategic initiatives in a cross functional executive role. He brings comprehensive healthcare expertise ranging from medical group operations to revenue cycle management and clinical expertise. 

Dr. Rohatsch completed his military service in the US Air Force and earned his MD from Jefferson Medical College of Thomas Jefferson University. Dr. Rohatsch served on the Yale School of Medicine faculty teaching at the medical school and is currently on faculty at the Haslam School of Business at the University of Tennessee teaching in the Executive MBA Program. He also serves on several boards and chairs The TJ Lobraico Foundation.

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

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

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

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

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

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

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

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Cost of gastroenterologist visit by state

The following estimated costs are based on cash prices that providers have historically charged on average for gastroenterologist visit and will vary depending on where the service is done. The prices do not include the anesthesia, imaging, and other doctor visit fees that normally accompany gastroenterologist visit.

Need help to cover that price?

See how Sidecar Health insurance can help cover your medical needs.

What does a gastroenterologist do on your first visit?

At your first gastroenterologist visit, the specialist will obtain a detailed health history. They’ll want to know details of:

  • Your family history
  • Your personal health history
  • Symptoms you are having
  • Previous treatments you’ve tried
  • Any medications you are taking

After asking you many questions, the gastroenterologist will perform a physical examination. Finally, the gastroenterologist will recommend a treatment plan. This may include additional testing or different medications.

What is a gastroenterologist going to look at?

During the physical exam, your gastroenterologist will look at the following:

  • Examination of your stomach - the specialist will be looking for any bulges, scars, bloating, and how firm your belly is.
  • Auscultation - the gastroenterologist will listen to the sounds your bowels make. They will listen in several different places over the stomach. 
  • Palpation - the gastroenterologist will push on several regions of your abdomen. They are feeling for areas of tenderness or masses. The specialist may ask you to take a deep breath or hold your breath as they push on your stomach. 
  • Rectal exam - the gastroenterologist will examine to see any problems with muscle tone, hemorrhoids, or bleeding.

Why would my doctor send me to a gastroenterologist?

If your doctor suspects you have a condition related to your gastrointestinal system, they may refer you to see a gastroenterologist. Gastroenterologists are doctors that specialize in treating diseases of the gastrointestinal system. 

Conditions that you might be referred for include:

  • Constipation
  • Gastroesophageal reflux (GERD)
  • Irritable bowel syndrome (IBS)
  • Gastrointestinal cancer screening and treatment

How do I prepare for a gastroenterologist appointment?

To prepare for your gastrointestinal appointment, make sure you bring lists of important medical information with you. Your doctor will need to know things like previous surgeries you’ve had and when they were, a list of medication, a list of allergies, and names of all other healthcare providers.

Bringing a diary of symptoms is very helpful for your gastroenterologist. If you record when your symptoms occur and things that seem to trigger or relieve the symptoms, your doctor will find this information valuable in diagnosing your problem.

What are the most common signs and symptoms of gastrointestinal disorders?

The signs and symptoms of common gastrointestinal disorders may include:

  • Frequent bloating
  • Abdominal discomfort
  • Rectal bleeding
  • Nausea and vomiting

If you experience these signs and symptoms, you may want to consider evaluation by a gastroenterologist.

What is the difference between a gastrologist and a gastroenterologist?

The terms gastrologist and gastroenterologist are often used interchangeably. Technically a gastroenterologist is a doctor who specializes in gastrology or the study of the stomach. Gastroenterology encompasses the entire gastrointestinal system. Gastrologist is a term that is not used much anymore, and most gastrointestinal specialists will be referred to as a gastroenterologist.

* Savings estimate based on a study of more than 1 billion claims comparing self-pay (or cash pay) prices of a frequency-weighted market basket of procedures to insurer-negotiated rates for the same. Claims were collected between July 2017 and July 2019. R.Lawrence Van Horn, Arthur Laffer, Robert L.Metcalf. 2019. The Transformative Potential for Price Transparency in Healthcare: Benefits for Consumers and Providers. Health Management Policy and Innovation, Volume 4, Issue 3.

Sidecar Health offers and administers a variety of plans including ACA compliant and excepted benefit plans. Coverage and plan options may vary or may not be available in all states.

Your actual costs may be higher or lower than these cost estimates. Check with your provider and health plan details to confirm the costs that you may be charged for a service or procedure.You are responsible for costs that are not covered and for getting any pre-authorizations or referrals required by your health plan. Neither payments nor benefits are guaranteed. Provider data, including price data, provided in part by Turquoise Health.

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Cost Of A Doctor Visit Without Insurance

specialist visit cost with 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.

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Home > Finance > How Much Does A Gastroenterologist Visit Without Insurance?

How Much Does A Gastroenterologist Visit Without Insurance?

How Much Does A Gastroenterologist Visit Without Insurance?

Published: November 15, 2023

Find out the cost of a gastroenterologist visit without insurance and explore financing options to manage your healthcare expenses.

(Many of the links in this article redirect to a specific reviewed product. Your purchase of these products through affiliate links helps to generate commission for LiveWell, at no extra cost. Learn more )

Table of Contents

Introduction, understanding gastroenterology, importance of gastroenterologist visits, cost of gastroenterologist visits without insurance, factors affecting gastroenterology visit costs, average charges for gastroenterology services, options for financing gastroenterologist visits without insurance.

Gastroenterology is a specialized field of medicine that focuses on the diagnosis and treatment of disorders related to the digestive system, including the esophagus, stomach, intestines, liver, and pancreas. Gastroenterologists are highly trained medical professionals who play a crucial role in managing and improving digestive health.

Regular visits to a gastroenterologist are essential for individuals experiencing chronic or acute digestive issues, as well as for preventive care. These visits allow for the early detection and treatment of various gastrointestinal conditions, such as gastroesophageal reflux disease (GERD), irritable bowel syndrome (IBS), Crohn’s disease, ulcerative colitis, and liver diseases.

However, for individuals without health insurance, the cost of a gastroenterologist visit can be a significant concern. Without insurance coverage, the financial burden of medical care can be overwhelming. Therefore, it is important to understand the potential cost of gastroenterologist visits without insurance and explore options for managing these expenses.

In this article, we will discuss the importance of gastroenterologist visits, the cost factors involved, and potential financing options for those without insurance coverage.

Gastroenterology is a specialized branch of medicine that focuses on the diagnosis, treatment, and prevention of disorders and diseases related to the digestive system. Gastroenterologists are highly trained medical professionals who undergo extensive education and specialized training to become experts in this field.

The digestive system plays a vital role in the body as it is responsible for breaking down food, absorbing nutrients, and eliminating waste. Any disruption or dysfunction in this system can lead to a wide range of digestive disorders and conditions.

Gastroenterologists are equipped with the knowledge and skills to diagnose and treat a variety of gastrointestinal conditions, such as acid reflux, ulcers, inflammatory bowel disease, liver diseases, gallbladder diseases, and pancreatic disorders. They utilize various diagnostic tools and procedures, including endoscopy, colonoscopy, imaging tests, and laboratory tests, to assess and manage these conditions effectively.

Furthermore, gastroenterologists also play a crucial role in preventive care. They provide guidance and recommendations on maintaining a healthy digestive system through proper nutrition, lifestyle modifications, and routine screenings. By identifying and addressing any potential issues early on, gastroenterologists help in preventing the development of serious digestive disorders.

Given the complexity and importance of the digestive system, seeking the expertise of a gastroenterologist is essential for individuals experiencing digestive symptoms or those at risk of developing gastrointestinal conditions. Regular visits to a gastroenterologist can provide valuable insights, early diagnosis, and appropriate treatment options, improving overall digestive health and quality of life.

Regular visits to a gastroenterologist are of utmost importance for individuals experiencing digestive issues or those looking to maintain optimal digestive health. Here are some key reasons why these visits are essential:

  • Early Detection and Treatment: Gastroenterologists are trained to identify and diagnose various gastrointestinal conditions at an early stage. By detecting these issues early on, they can provide timely treatment, preventing the progression of diseases and minimizing potential complications.
  • Specialized Expertise: Gastroenterologists have extensive knowledge and experience in diagnosing and treating complex digestive disorders. They stay updated with the latest advancements in gastroenterology and have access to advanced diagnostic tools and treatments, ensuring accurate diagnoses and effective management of conditions.
  • Personalized Treatment Plan: Every individual’s digestive system is unique, and gastroenterologists understand this. They develop personalized treatment plans tailored to the specific needs of each patient. These plans may include lifestyle modifications, medication, dietary recommendations, or surgical interventions, depending on the condition.
  • Preventive Care and Screenings: Gastroenterologists play a crucial role in preventive care. They recommend routine screenings, such as colonoscopies, to detect early signs of colorectal cancer or other gastrointestinal disorders. Early detection significantly increases the chances of successful treatment and improves long-term outcomes.
  • Management of Chronic Conditions: Individuals with chronic digestive conditions, such as Crohn’s disease, ulcerative colitis, or liver diseases, benefit greatly from regular visits to a gastroenterologist. These specialists monitor disease progression, adjust treatment plans, and provide ongoing support to manage symptoms and optimize quality of life.

Ultimately, gastroenterologist visits are essential for comprehensive gastrointestinal care. Whether you’re experiencing discomfort, have a family history of digestive disorders, or want to maintain your digestive health, consulting a gastroenterologist ensures that your specific needs are addressed through proper diagnosis, treatment, and preventive measures.

For individuals without health insurance, the cost of a gastroenterologist visit can vary depending on several factors, including the location, specific services required, and the individual gastroenterologist’s fee structure. Without insurance coverage, these costs can be a significant concern. It’s important to understand the potential expenses involved to better prepare and explore options for managing the costs.

The cost of a gastroenterologist visit without insurance typically includes various components, such as:

  • Consultation Fee: This is the fee for the initial visit, during which you will discuss your medical history, symptoms, and concerns with the gastroenterologist. The consultation fee can range from $100 to $300, depending on the location and the specialist’s experience.
  • Diagnostic Tests and Procedures: Depending on your symptoms and medical history, the gastroenterologist may recommend diagnostic tests and procedures to evaluate your condition further. These tests can include endoscopy, colonoscopy, imaging tests, laboratory tests, and biopsies. Each of these tests has associated costs, ranging from a few hundred to several thousand dollars.
  • Treatment Costs: If a specific treatment plan is required based on the diagnosis, there may be additional costs. This can include medications, follow-up appointments, surgeries, or ongoing consultations. The cost of treatments can vary significantly depending on the specific condition and prescribed medications.

It is important to note that these costs are estimates and can vary depending on several factors. Additionally, unforeseen circumstances or complications during the diagnostic procedures may also incur additional costs.

Without insurance, it is crucial to discuss the cost breakdown with the gastroenterologist’s office upfront. They can provide a detailed estimate of expected expenses associated with your specific case.

While the cost of gastroenterologist visits without insurance can be daunting, there are several options available to manage these expenses. Exploring financing options, negotiating with the healthcare provider, or seeking assistance from government programs or charitable organizations are some ways to help alleviate the financial burden.

It’s important to remember that seeking proper medical care should be a priority, and there are resources available to help individuals without insurance access the necessary gastroenterology services. Taking proactive steps to manage the costs can contribute to maintaining optimal digestive health and overall well-being.

There are several factors that can influence the cost of gastroenterology visits. Understanding these factors can help individuals without insurance plan and allocate resources more effectively. Here are some key factors that can impact the overall cost:

  • Location: The cost of healthcare services can vary significantly depending on the geographic location. In areas with higher costs of living and higher healthcare costs, gastroenterology visits may be more expensive compared to other regions.
  • Gastroenterologist’s Experience and Reputation: Highly experienced and reputable gastroenterologists often charge higher fees for their services. Their expertise and track record can command a premium, but it may also result in more accurate diagnoses and better treatment outcomes.
  • Diagnostic Tests and Procedures: The specific diagnostic tests and procedures recommended by the gastroenterologist can significantly impact the overall cost. Endoscopies, colonoscopies, imaging tests, laboratory tests, and biopsies all have associated costs that can vary depending on the complexity and facility fees.
  • Additional Treatments or Surgeries: If further treatment or surgical interventions are required based on the diagnosis, there will be additional costs. This can include the cost of medications, follow-up appointments, surgeries, and ongoing consultations. The extent and complexity of the treatment plan can significantly influence the overall cost.
  • Facility Fees and Ancillary Services: Some medical facilities may have higher fees compared to others. This can include fees for the use of the facility, anesthesia, pathology services, and other ancillary services. It’s important to inquire about these additional charges to have a more accurate estimate of the total cost.
  • Negotiation and Discounts: In certain cases, healthcare providers may be open to negotiation or offer discounts for individuals without insurance. It’s worth discussing the financial aspect with the provider’s office and exploring any available options for reducing the overall costs.

These factors can significantly vary the cost of gastroenterology visits without insurance, making it important to discuss the estimated costs upfront with the healthcare provider. Transparency regarding pricing can allow individuals to plan and explore various financial avenues to manage the expenses associated with these visits.

Ultimately, it’s important to prioritize one’s health and seek necessary care, even without insurance coverage. Exploring financial assistance programs, negotiating fees, and seeking charitable organizations’ support can help alleviate the financial burden and ensure access to essential gastroenterology services.

The charges for gastroenterology services can vary based on several factors, including the specific procedure, geographic location, and individual healthcare provider. While it is difficult to provide exact figures due to the wide range of services offered, here are some average charges for common gastroenterology services:

  • Consultation Fee: The average consultation fee for a gastroenterologist ranges from $100 to $300, although this can vary depending on the location and the specialist’s experience. This fee covers the initial visit and discussion of medical history and symptoms.
  • Endoscopy: An upper endoscopy, also known as an esophagogastroduodenoscopy (EGD), which examines the upper part of the digestive tract, typically costs between $800 and $2,500. A lower endoscopy, or colonoscopy, which examines the colon and rectum, has an average cost of $1,000 to $3,000.
  • Imaging Tests: Imaging tests, such as an abdominal ultrasound or CT scan, can range in costs from $200 to $1,500, depending on the complexity of the test and the healthcare facility.
  • Biopsies: If a biopsy is performed during an endoscopy or colonoscopy, additional charges may apply. The cost of a biopsy can vary, but it is typically in the range of $500 to $1,500.
  • Laboratory Tests: Laboratory tests, including blood tests to assess liver function or stool tests to detect gastrointestinal infections, can range from $50 to $500 depending on the specific tests and the laboratory used.

It is important to note that these figures are just estimations and can vary depending on a variety of factors. Additionally, the charges do not include potential fees for anesthesia, pathology services, or follow-up appointments.

When considering the financial aspect of gastroenterology services, it is crucial to consult with the healthcare provider’s office to obtain a more accurate estimate. They can provide a breakdown of costs specific to your condition, recommended procedures, and any potential discounts or payment plans available.

Exploring financing options, such as medical credit cards, healthcare loans, or hospital financial assistance programs, can also help individuals manage the expenses associated with gastroenterology services without insurance coverage.

Remember, it’s important to prioritize your health and seek the necessary gastroenterology services. By understanding the potential costs and exploring financial assistance options, you can access the care you need for optimal digestive health.

For individuals without health insurance, financing gastroenterologist visits can be a challenge. However, there are several options available to help manage the costs and ensure access to necessary care. Here are some potential solutions:

  • Payment Plans: Many healthcare providers offer payment plans to help individuals without insurance manage the cost of their gastroenterologist visits. These plans allow patients to pay off their medical expenses over time, typically in monthly installments. It’s important to discuss this option with the provider’s office to understand the terms and conditions.
  • Medical Credit Cards: Some financial institutions offer medical credit cards specifically designed to cover healthcare expenses. These cards may have promotional interest-free periods or low-interest rates for a certain period. It’s essential to carefully review the terms and conditions before applying for a medical credit card and consider the potential interest and fees involved.
  • Healthcare Loans: Personal loans or healthcare loans are another option to finance gastroenterologist visits without insurance. These loans can help cover the upfront costs and allow for flexible repayment options. It’s important to compare interest rates and terms from different lenders to secure the most favorable loan terms.
  • Charitable Organizations: Some charitable organizations or foundations may provide financial assistance or grants to individuals without insurance who are in need of gastroenterology services. These organizations often have specific eligibility criteria and application processes, so it’s important to research and reach out to them for potential financial support.
  • Government Programs and Assistance: Depending on your location and income level, you may qualify for government assistance programs that can help cover the cost of healthcare services. Programs such as Medicaid, state-funded health insurance programs, or local community health clinics may provide access to affordable or free gastroenterology care. Researching available programs and contacting local healthcare agencies can help determine if you are eligible for assistance.
  • Negotiation and Discounts: It’s worth discussing the cost of gastroenterology services with the provider’s office. In some cases, they may be willing to negotiate and offer discounted rates for individuals without insurance. Being transparent about your financial situation and exploring potential discounts can help alleviate the financial burden.

Each individual’s financial situation and options may vary, so it’s important to carefully consider which option is best suited for your needs. It is also recommended to consult with a financial advisor or healthcare financial counselor to explore these options and receive guidance tailored to your specific circumstances.

Remember, prioritizing your health is essential, and there are resources available to help manage the costs of gastroenterologist visits without insurance. By taking proactive steps and exploring different financing options, you can ensure access to necessary care and maintain optimal digestive health.

Gastroenterologist visits are crucial for individuals experiencing digestive issues or seeking preventive care. However, for those without health insurance, the cost of these visits can be a significant concern. Understanding the potential expenses and exploring financing options can help alleviate the financial burden and ensure access to necessary gastroenterology services.

Regular visits to a gastroenterologist are important for early detection, diagnosis, and treatment of various gastrointestinal conditions. Gastroenterologists provide specialized expertise, personalized treatment plans, and play a vital role in preventive care. By addressing digestive health concerns early on, individuals can minimize complications and improve their overall well-being.

Factors such as location, specific services required, and the individual gastroenterologist’s fee structure can influence the cost of gastroenterology visits. Consultation fees, diagnostic tests and procedures, additional treatments, and facility fees are elements that contribute to the overall expenses. Transparency regarding pricing and discussing costs upfront with the healthcare provider are essential to better plan for these expenses.

Several options are available for financing gastroenterologist visits without insurance coverage. Payment plans, medical credit cards, healthcare loans, and financial assistance from charitable organizations or government programs may help manage the costs. Negotiating fees and exploring available discounts can also be effective strategies in reducing the financial burden.

Prioritizing one’s health and seeking the necessary gastroenterology services is crucial. By taking proactive steps, researching available resources, and exploring different financing options, individuals without insurance can access the care they need and maintain optimal digestive health.

It is recommended to consult with healthcare financial advisors or seek guidance from financial experts to determine the best financing option based on individual circumstances. Remember, managing the costs of gastroenterology visits without insurance is possible, and there are resources available to ensure affordable access to necessary care.

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

Updated June 3, 2023 by Holly Patiño Leave a Comment

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specialist visit cost with insurance

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

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

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

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

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

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

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

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

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

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

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

Community Health Clinics

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

Urgent Care

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

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

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

Doctor’s Office

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

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

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

Factors That Affect the Price of a Doctor’s Visit

specialist visit cost with insurance

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

Type of Appointment

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

Healthcare Provider

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

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

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

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

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

How to Save Money at the Doctor Without Health Insurance

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

Ask for Self-Pay Discounts

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

Negotiate Cost

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

Call in Other Providers

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

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

Avoid Unnecessary Tests

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

Use Telehealth Services

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

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

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

Visit University Clinic

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

Possible Questions to Ask Before Doctor’s Visit

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

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

Places that Offer Free Doctor Consultations

specialist visit cost with insurance

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

Your Doctor’s Online

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

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

Health Resources Services Administration

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

Smart DocMD

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

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

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

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

No Insurance? 

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

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

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

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

    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.

  2. Doctor's Visit Cost With and Without Insurance

    The cost of a doctor's visit depends on the type of insurance you have. If you do not have insurance, the cost of a doctor's visit is typically between $300 and $600, but prices can vary depending on several factors such as lab tests, where you seek care, and procedures done at the visit. If you do not have insurance or have a high-deductible ...

  3. How Much Will a Doctor Visit Cost You?

    The cost of a doctor visit is hard to quantify because there are many factors that go into what the final bill is. The average cost of a doctor visit, not including procedures or tests, range from $80-$170 across the U.S. Factors that determine the cost include: The purpose of the visit. What tests or procedures are involved.

  4. Doctors' Charges, Physician Prices, Average Cost, Anesthesia

    MEPS provides the average and median cost for a doctor's office visit. Average cost paid (payments) for an office-based physician visit in 2016 was $265 (about $311 in 2022 dollars with medical inflation). ... Someone under age 65 with private insurance had an average ER visit expense of $1,682. Many people made more than one trip to the ...

  5. How Much Does a Primary Care Visit Cost in 2022?

    This chart from debt.org compares the costs of different medical conditions for emergency room and urgent care visits. Urgent Care. According to Debt.org, the average urgent care visit costs between $100 and $150 with insurance and up to $400 or $500 without insurance.. Nearly all procedures are covered by insurance, and urgent care centers typically have most of the equipment necessary to ...

  6. Cost of doctor visit by state

    Without insurance, your doctor's visit can cost hundreds of dollars. On average, people in the U.S. pay just under $400 for their annual physical exam at a doctor's office if they don't have insurance. These costs include the provider fee for seeing the doctor and costs for any blood work or imaging that's needed.

  7. Understanding Doctor Visit Costs

    Understanding the cost of your doctor visit. In the fourth installment of this 4-part series on health care costs, we look at the different types of care to help you better understand what you'll need to pay. Understanding your health plan costs can help you choose the right coverage and budget for your health care spending.

  8. How Much Is a Doctor Visit Without Insurance?

    Seeing a primary care provider may cost less than seeing a specialist, like a cardiologist, for example. A primary care provider's office visit costs an average of $265. On the other hand, seeing an orthopedic specialist costs around $416 without insurance. Some primary care providers now also have physician assistants (PAs) or nurse ...

  9. How Much Does a Doctor's Visit Cost Without Insurance?

    Key Points. 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 ...

  10. How to Use Your Health Insurance: Costs, Networks, and More

    Health insurance helps pay for your health care. It can help cover services ranging from routine doctor visits to major medical costs from a serious illness or injury. It also covers many ...

  11. How Much Does a Dermatologist Visit Cost?

    Cost for a Dermatologist Visit Services . Just like a doctor's visit, the cost for seeing a dermatologist can vary greatly depending on the services provided during the appointment and whether you have insurance coverage or are paying out of pocket. For those with health insurance, the average copay for a specialist visit is $40.

  12. PDF Kaiser Permanente 2021 Sample Fee List

    Well-adult office visit, established patient (65 and older)* $331. Specialist Consultations. Office consultation $116 Specialist visit, long $445 Specialist visit, short $218 Specialist visit, typical $298 *These services are covered at no cost on many plans if completed as part of a preventive screening. Check your plan documents (such as your

  13. How Much Does An Urgent Care Visit Cost In 2024?

    The cost of paying for health care services, including urgent care, typically increases significantly if you don't have health insurance. For example, if you cut your finger and need a few ...

  14. No Insurance? How to See a Doctor Without Insurance

    4. Ask about a cash discount. When you're shopping around, always ask for a cash discount. "Many providers will provide a discount if you pay for the entire service at the time of care," Kampine ...

  15. Cost of endocrinologist visit by state

    The following estimated costs are based on cash prices that providers have historically charged on average for endocrinologist visit and will vary depending on where the service is done. The prices do not include the anesthesia, imaging, and other doctor visit fees that normally accompany endocrinologist visit.

  16. Cost of gastroenterologist visit by state

    See how Sidecar Health insurance can help cover your medical needs. Learn More. StateName. Average Cash Price. Alabama. $73 - $121. Alaska. $99 - $164. Arizona.

  17. How to see a doctor when you don't have health insurance

    The healthcare system can be wildly expensive for those without insurance—or for those whose insurance doesn't cover enough. Out-of-pocket medical bills can range from $68 to $234 for a simple visit to your primary care physician, and that is only for the doctor's fee. Other services like imaging and blood work will run that bill up even ...

  18. How Much Is A Orthopedic Visit Without Insurance

    With insurance, the cost of orthopedic visits is typically mitigated by co-pays, deductibles, and co-insurance. However, for those without insurance coverage, the cost can be significant. Factors such as the type of specialist, geographical location, complexity of the condition, diagnostic tests, treatment options, and additional services can ...

  19. Your Doctor On Demand Visit Could Be Free

    Psychiatrist. $299 for initial 45 min consultation. $129 for 15 min follow-up. Doctor On Demand partners with leading health plans. We partner with these leading health plans and many more to serve millions of members around the country. This means your visit may be completely covered at no cost to you. To find out, register for Doctor On ...

  20. Will Medicare Cover the Costs of My Doctor Visits?

    Let's say the Medicare-approved costs were $100 for the doctor visit and $900 for the MRI. Assuming that you've paid your Part B deductible, and that Part B covered 80% of these services, you'd still be left with some costs. In this scenario, you'd typically pay $20 for the doctor visit and $180 for the x-rays.

  21. Cost of a Doctor Visit Without Insurance

    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.

  22. Physical Therapy Costs and Insurance Coverage

    Physical therapy is covered by most insurance plans, but it's not considered a specialist visit. In your plan documents, physical therapy coverage is usually under "rehabilitation services" for treatment after an injury or illness. ... Costs with insurance are based on a typical Silver plan, unless otherwise noted. Insurance coverage by company ...

  23. How Much Does A Gastroenterologist Visit Without Insurance?

    Consultation Fee: This is the fee for the initial visit, during which you will discuss your medical history, symptoms, and concerns with the gastroenterologist. The consultation fee can range from $100 to $300, depending on the location and the specialist's experience.

  24. How much does a Doctor's Visit cost without Insurance?

    Without insurance, a doctor's visit costs between $300 to $600 depending on the type of doctor, appointment, treatment administered, and location of the doctor's office or clinic. The cost of a specialty doctor visit is higher than the cost of a primary care doctor visit. Keep reading to learn more about how much it will cost to go to the ...