doctor visit with no insurance

No Insurance? How to See a Doctor Without Insurance

Shop around, ask about cash discounts and consider community health centers and free clinics.

This article is based on reporting that features expert sources.

8 Tips for Getting Medical Care Without Insurance

Millions of people in the U.S. live without health insurance, a circumstance that can cause people to weigh the need to see a doctor against the cost. Unfortunately, many people will put off or do without medical care because they can't afford it, a decision that could jeopardize their health.

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While the Affordable Care Act has boosted the number of Americans with insurance, millions remain uninsured. In 2018, 27.5 million people – more than 8% of the U.S. population – were uninsured, according to the U.S. Census Bureau. Private health insurance covered 67% of Americans. Those without health coverage face the dilemma: Where can I go for medical care without insurance?

The Coverage Gap

In addition to the people who are uninsured, millions are underinsured, according to a survey by the Commonwealth Fund. Among people with health insurance, 29% were underinsured in 2018, compared to 23% in 2014, according to the fund's Biennial Health Insurance Survey: "People who are 'underinsured' have high health plan deductibles and out-of-pocket medical expenses relative to their income and are more likely to struggle paying medical bills or to skip care because of cost."

The survey found that 41% of underinsured adults reported they delayed needed medical care because of cost. By contrast, 23% of people with adequate insurance coverage said they delayed such treatment. Also, 47% of underinsured adults reported medical bill and debt problems.

Tips for Finding Affordable Medical Care

If you're uninsured or underinsured, here are eight strategies for finding affordable medical care:

• Research your eligibility for insurance.
• Shop around.
• Agree to a price in writing.
• Ask about a cash discount.
• Keep good records.
• Be prepared.
• Consider community health clinics.
• Think about urgent care centers.

1. Research your eligibility for insurance.

Depending on your situation, you might be eligible to buy individual health insurance coverage from the ACA marketplace or in the individual market, or you might qualify for Medicaid, Medicare or the Children's Health Insurance Program for your kids, says Kim Buckey, vice president of client services at DirectPath, a company that provides personalized health benefits education and enrollment services to large employers.

2. Shop around.

Prices for health care appointments and procedures vary dramatically, with differences of up to 2,000%, says Bill Kampine, co-founder and senior vice president, analytics and innovation, for Healthcare Bluebook. The company's client base includes municipal and large self-insured employers. It also offers a free online tool that individuals can use to comparison shop for health care services by region.

3. Agree to a price in writing.

4. Ask about a cash discount.

5. Keep good records.

6. Be prepared.

7. Consider community health centers and free clinics.

There are a number of health care providers that provide services at little or no cost to those who are eligible, says April Temple, an associate professor of health sciences at James Madison University in Harrisonburg, Virginia.

8. Also, think about urgent care centers.

Nationwide, there's been a meteoric rise in the use of urgent care centers in recent years. These facilities provide a higher level of care than what's available at some pharmacy retail clinics, but aren't equipped to provide emergent care for things like heart attacks and strokes. Urgent care centers can treat a wide array of maladies, including upper respiratory infections, bronchitis, diverticulitis; high blood pressure, food poisoning, sprains, minor fractures and lacerations. An urgent care visit typically costs around $150, according to Debt.org.

12 Common Medical Emergencies

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

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

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

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

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

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

Without insurance, medical care can get pricy fast. Where you live, what doctor you’re going to, and what tests you need will all figure into your doctor’s visit bill. In this article, we’ll break down those costs and give you some tips for saving money.

What Goes into the Cost of a Doctor’s Visit?

Geography is one of the biggest factors in the price of a doctor’s visit. Most medical facilities pass some of their overhead expenses onto their patients. If you live somewhere with a higher cost of living, like California or New York City, you’ll likely pay more for doctors’ visits. The practice has to pay more for utilities and rent, and those costs show up in your bill. For example, Mayo Clinic’s Patient Estimates tool quotes $846 for a 60-minute office visit in Jacksonville, Florida, but $605 for the same visit in Wisconsin.

Like the cost of living, supplies and equipment will also end up on your tab. Say you need a strep test, blood draw, or Pap smear. The supplies needed for the test plus the cost of the lab fees will all figure into the price.

Bills for the same exams and procedures can also vary depending on what kind of facility you’re going to. Smaller practices and public health centers are often a lot cheaper than university or private hospital systems. This is due in part to their buildings being smaller and their overhead fees being lower.

Price of Out-of-Pocket Doctors’ Visits

The cost of a doctor’s office visit also depends on what kind of doctor and the procedure you need to have done. For example, an in-office general wellness checkup will be cheaper than a specialist procedure. If you have an emergency, an urgent care center will be much more affordable than the emergency room.

Primary Care Physician — Physical Exam

Physicals usually include blood pressure readings, cholesterol measurements, and vaccines. Prostate exams for men and Pap smears and breast exams for women are also often included. Pediatric physicals focus on the growth milestones for your child’s age. Doctors check height, weight, sleep patterns, diet, and the vaccines required by public schools.

The range for a yearly physical can be anywhere from $100 to $250 or more without insurance. A CVS Minutecare Clinic may charge just $59 for a sports physical, but not all organizations will accept this as proof of physical health.

Primary Care Physician — Procedures

On top of the base cost for physical exams, you may have extra charges for any specific tests or procedures you need. According to the Cardiometabolic Health blog, the most common procedures in primary care medicine include bloodwork, electrocardiograms, and vaccines/injections.

Bloodwork is one of the biggest cost wild cards. Certain tests can run you from as little as $10 to as much as $10,000 . Large national labs like Labcorp offer pricing on their website, so you know what to expect going in. For example, Labcorp’s General Health Blood Test , which includes a metabolic panel, complete blood count (CBC), and urinalysis, costs $78.

Electrocardiograms or EKGs check your heart health and can find cardi ac issues. This quick procedure involves monitoring your heartbeat through electrodes placed on your skin. While it’s a painless and accurate way to detect heart conditions, the costs can add up without insurance. Expect to pay as little as $410 or as much as $1700 for this procedure, depending on local prices.

Vaccines are often required before sending your kids to school. The CDC publishes a vaccination price list annually to give you an idea of what to expect. For example, they quote $19-$132 for DTaP, $21 for Hepatitis A, and $13-$65 for Hepatitis B. The COVID-19 vaccine, however, is free of cost, regardless of insurance status.

Urgent Care Visit

If you have an emergency but are stable, urgent care is much cheaper than the emergency room. According to Scripps , most urgent care centers and walk-in clinics can at least treat dehydration, cuts or simple fractures, fever, flu, strep, and UTIs. Note that if you have chest pain, a serious injury, seizures, a stroke, or pregnancy complications, you should go straight to the ER .

For a base exam at an urgent care facility, expect to pay between $100-$150 . That price will go up depending on what else you need. For example, Advanced Urgent Care in Denver quotes $80 for an X-Ray, $50 for an EKG, $135 for stitches, and $5 for a urinalysis. In comparison, expect to pay $1,000-$1,300 for the same procedures in the emergency room.

How to Lower Your Out-of-Pocket Medical Costs

Healthcare expenses may seem overwhelming without insurance. Luckily, there are many resources available to help you cover the costs.

Free & Low-Cost Immunization and Wellness Clinics

For standard vaccines and checkups, look for local free or low-cost clinics. Check out The National Association of Free and Charitable Clinics’ search tool to find a location near you. Your city’s public health department should also offer free or low-cost vaccines and basic medical care services.

Certain large vaccine manufacturers also offer vaccine programs. For example, Merck’s patient assistance program offers 37 vaccines and medicines free to eligible patients. The program includes albuterol inhalers and vaccines for Hepatitis A, Hepatitis B, MMR, and HPV.

Cash Negotiations

Most health systems offer lower rates for patients paying cash. Some even have free programs for low-income families. For example, Heritage UPC in North Carolina has a yearly membership for low-cost preventative care. In Northern California, the Sutter Health medical system offers full coverage for patients earning 400% or less of the Federal Poverty Income Guideline .

As of January 1, 2021, all hospitals in the United States now have to follow the Hospital Price Transparency Rule . That means they have to list procedure prices clearly on their website. You can also call medical billing before your appointment to discuss cash pay options.

Federal Medical Payment Support

If all else fails, there are federal programs to help you cover the cost of medical bills.

Organizations like The United Way and United for Alice offer grants for ALICE (asset-limited, income-constrained, employed) patients. These are people living above the poverty level, making them ineligible for other government programs but below the basic cost-of-living threshold.

Medicaid is available for children, pregnant women, and adults under a certain income threshold. If your income is too high to qualify for Medicaid but you can’t afford private insurance for your children, you may be eligible for the Children’s Health Insurance Program (CHIP) to cover your children’s medical care.

Use Compare.com for the Best Doctors’ Visit Prices

Navigating bills for a doctor’s visit can feel overwhelming, but Compare.com is here to help. With our price comparison tool, you can search all clinic and doctors’ office prices in your area. Compare makes sure you’re prepared for the cost of your checkup long before you schedule your appointment.

Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more.

As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.

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Virtual Care

Mission Health | Virtual Care

Start an online visit only if you are not at risk and in a safe location! If you have symptoms of heart attack or stroke, or feel that you’re in danger, call 911 or go to the nearest emergency room (ER) immediately.

Get convenient care online for only $35

Receive an online diagnosis and prescription (as needed) for your illness from the convenience of your home. Answer questions about your symptoms to begin your online doctor visit, and receive a response between  7am – 7pm within one hour.

Start your Virtual Clinic visit now View all Virtual Care Options 

Virtual Clinic Is Open Every Day from 7 am-7 pm

Skip the trip — just click.

A Mission Virtual Clinic consultation costs $35, payable online by any major credit card. It is $35 regardless of the insurance you have, or even if you do not have insurance.

Illnesses we treat through the virtual clinic :

Respiratory infections and allergies.

• Cold or sinus infection
• Influenza (flu)*
• Hay fever/allergies

Common Female Infections

• Female bladder infection (UTI)
• Vaginal yeast infection

Eye and Mouth Problems

• Canker or cold sore
• Pink eye (conjunctivitis)
• Sty (bump or bumps on the eyelid)

Skin and Nail Problems

• Athlete’s foot
• Diaper rash
• Fungal skin infection (tinea)
• Skin irritation (contact dermatitis)
• Unwanted or other skin conditions

Stomach Pains

• Constipation and/or diarrhea (irritable bowel syndrome)
• Heartburn or acid reflux (GERD)

Travel Medication

• Malaria prevention
• Motion sickness prevention

Medication to Prevent an Illness or Infection

• Influenza prevention
• Pertussis (whooping cough) exposure

*Strep throat and some flu consultations require a visit to a local clinic where a rapid test is performed to confirm diagnosis.

Click for video transcript

Learn more about the virtual clinic.

You can use Mission Virtual Clinic for the following conditions:

• Cold, flu and allergies
• Cold, sinus infection or sore throat
• Influenza (flu)
• Urinary tract infection (UTI)
• Eczema and dermatitis

We've been careful to select only health conditions that can be safely diagnosed and treated online. If an online diagnosis is not right for you, we will direct you to the care you need.

Once you are done with the online interview, a board certified Mission Health provider will review your symptoms and develop a treatment plan unique to you.

A Mission Virtual Clinic visit takes approximately 5 minutes to complete. Depending on your symptoms and answers, the total number of questions for your condition will vary. Note: The interview is written questions/answers only; there is no interactive video component.

Mission Virtual Clinic is available to patients in North Carolina ages 2-65, depending upon the condition.

A Mission provider is available online every day Monday through Sunday, between 7 am – 7 pm. You can complete an online written interview anytime and receive a response within one hour. You can even complete it in the middle of the night and receive a response from 7-8 am the following morning.

If appropriate, Mission Virtual Clinic providers can prescribe medications that will be sent to the pharmacy of your choice. We treat minor health conditions, and we do not provide prescriptions for pain medications or narcotics. Mission Virtual Clinic is not an online pharmacy. You are responsible for the cost of any prescriptions, over-the-counter treatments or follow-up visits you may need. NOTE: Because Mission Virtual Clinic providers are licensed only in North Carolina, patients must be physically located in North Carolina in order to access it.

Strep throat and some flu consultations through Mission Virtual Clinic do require an extra step beyond the online virtual visit. This is called a ZipTicket, and here’s how it works:

• A ZipTicket is an order from the Mission Virtual Clinic provider for a rapid test to confirm a specific diagnoses after completion of an online virtual visit.
• Mission Virtual Clinic patients can select the nearest ZipTicket location, walk in without an appointment and complete rapid testing with minimal wait time.
• Patients must activate their prescribed ZipTicket, choose the location and arrive within 24 hours from the time it is ordered. Patients check-in at the front desk and are seen by the next available medical assistant or nurse with a minimal wait time since they have already seen the medical provider online. The medical assistant or nurse completes the testing and enters the results through the Mission Virtual Clinic portal so that the patient may receive the final diagnosis and prescription (if applicable) online. The patient is not charged separately for the visit at the ZipTicket location since they are charged for the virtual visit online.

A consultation will cost $25, payable online by any major credit card. No fee is charged if we are unable to diagnose and offer a treatment plan.

Mission Virtual Clinic is a self-pay service. Depending on your insurance coverage, you may be able to submit your Mission Virtual Clinic receipt for reimbursement.

Please call Mission Virtual Clinic customer support at 828-222-7962 .

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Best Online Doctors

MDLIVE is our top choice for the best online doctor

The rise in online doctors has made health care more accessible and affordable across the country. There are times when seeing a doctor face-to-face is necessary, but remote care is a great option for non-emergency medical concerns, such as colds, generalized anxiety disorder (GAD), and online therapy. Plus, telehealth helps free up in-person healthcare facilities, making it easier for severely sick patients to be seen by doctors promptly.

With so many telehealth options available, it can be challenging to know which virtual provider is right for you. Before you start your search, consider your symptoms, how often you’ll need care, your budget, and what your insurance—if you have health coverage —will and won't cover. To help you determine the telehealth services for your needs, we've compiled a list of the best online doctors available throughout the United States.

Best Online Doctors of 2024

• Best Overall: MDLIVE
• Best for Pregnancy: Maven
• Best for the LGBTQ+ Community: Folx Health
• Best for Pediatric Care: Blueberry Pediatrics
• Best for Psychiatry: Teladoc
• Best for Comprehensive Care: Doctor On Demand
• Best for Flexible Care Options: Sesame
• Best for the Uninsured: HealthTap
• Best for Affordable Care: LiveHealth Online
• Best Medication Refills: PlushCare
• Best Nutritionist: Tepper Nutrition
• Our Top Picks

Folx Health

Blueberry Pediatrics

• Doctor On Demand

LiveHealth Online

Tepper Nutrition

• See More (8)

Final Verdict

• Compare Providers
• How To Choose

Methodology

Best overall : mdlive.

• Price: Urgent care $0 to $82, behavioral health $0 to $284, dermatology $0 to $95
• Accepts Insurance: Yes
• Platform: Phone, web browser, and app

MDLIVE is an easy-to-use platform that allows you to schedule appointments within minutes. The service provides care for more than 80 different conditions across urgent care, mental health, and dermatology.

Accepts several insurance plans

Provides care for more than 80 conditions

Licensed physicians available 24/7

Responsive hotline for questions or concerns

Offers medication management services

Can be expensive without insurance

Doesn’t provide care for certain issues

MDLIVE offers on-demand specialists for urgent care, a transparent fee structure, and live support for illnesses, injuries, mental health concerns, and hair, skin, and nail conditions. You can speak with healthcare providers via phone, computer, or app-based appointments. It's important to note that the service provides urgent care for both children and adults, but for primary care, it sees patients only if they're older than 18.

To use MDLIVE, simply go to its website and create an account. Once you’re registered, you can input your insurance information to see if your plan is accepted. From there, you can search through providers and schedule an appointment. The medical doctors are available 24/7, but you may encounter a wait.

MDLIVE’s pricing varies based on the type of care you need and your insurance if you have any.

• Urgent care: These visits cost up to $82 and include care for non-emergency medical concerns.
• Behavioral health: Talk therapy or psychotherapy can cost up to $108, while psychiatry visits can cost up to $284 for the first visit. There is care for depression, anxiety, and more.
• Dermatology: These visits can cost up to $95 and offer care for warts, eczema, and other skin, hair, and nail issues.

MDLIVE accepts insurance plans from Humana, Blue Cross Blue Shield, Cigna, and Independence, plus some Medicaid and Medicare plans. You also can use a flexible spending account (FSA) or a health savings account (HSA) to pay for your visit.

While MDLIVE is a great option, it does not offer a subscription plan or free consultations. However, you may be able to find a discount code online.

Best for Pregnancy : Maven

• Price: Starts at $20 per appointment
• Accepts Insurance : No
• Platform: Web browser and app

Maven is our top choice for pregnant people because of its affordable cost and comprehensive care. With medical experts from more than 30 different specialties, Maven is a great option for those who wish to become parents, as well as expectant and postpartum parents.

Focuses on family planning services and pregnancy care

Experts from 30+ different specialties

Offers care in over 35 different languages

Supports LGBTQ+ community

Flexible app platform for on-the-go appointments 

Features large resource library

Doesn't accept insurance 

No live chat customer service

No refunds for day-of cancellations

Maven is a great option for expectant parents due to its wide range of specialty care, affordable costs, and easy-to-navigate platforms. The telehealth service employs fertility specialists, certified sleep coaches, nutritionists, midwives, and more. From prenatal care to labor and delivery to postpartum support, Maven provides pregnant people and their families with the help they need.

It’s important to note that Maven is not a replacement for your in-person OB-GYN or primary care provider. Rather, it’s a great way to receive care quickly and more efficiently from home as a supplement to in-person appointments. Maven provides you with a care advocate that can help you find an in-person provider when needed.

Signing up for an account with Maven is as easy as creating a username and answering a few simple questions. You can browse the available specialists and choose which type of provider you need—or let Maven match you with the right doctor. From there, you can book an appointment at a time that works best for you.

Maven’s pricing varies depending on the type of care needed and the provider’s level of experience. Maven calls shorter visits “education-only appointments” because you can get answers to general questions but can’t receive a diagnosis, treatment, or medication. Appointments allowing treatment and medication are available with Maven providers who are licensed in your state.

• Doulas, lactation consultants, nutritionists, and physical therapists: A video appointment with any of these specialists costs around $25 for a 20-minute appointment.
• Nurse practitioners and midwives: These services cost $20 for 10-minute video appointments.
• Physicians (OB/GYNS, pediatricians, etc.): Video appointments with any of these healthcare providers cost $40 for a 10-minute session.
• Reproductive endocrinologists: A video call with a reproductive endocrinologist costs $75 for a 15-minute appointment.
• Psychiatric nurse practitioners: This type of visit costs $90 for a 30-minute video call. 
• Mental health providers: For your first week only, 10-minute video calls cost $20. Then, 40-minute appointments cost $70 with master's-level therapists and $120 with doctorate-level therapists.
• Coaches: Video calls with coaches cost $50 per 30-minute session. 

Unfortunately, insurance isn't accepted. However, some employers offer Maven as part of their benefits packages. You can also use HSA and FSA funds to pay for your visits.

Best for the LGBTQ+ Community : Folx Health

• Price: Starts at $59 per visit
• Accepts Insurance: No
• Platform: Web browser

As the first transgender-specific telehealth platform, Folx Health offers care to LGBTQ+ individuals in a compassionate and supportive manner. The service offers care for sexual well-being, family planning, and hormone replacement therapy.

Subscriptions for hormone replacement therapy

Includes a virtual library of supportive resources

Staffed by expert clinicians who specialize in LGBTQ+ care

Provides one-on-one consultations

Currently available in only 38 states and D.C.

Does not accept insurance

Can only treat people over 18

Launched in December 2020, this up-and-coming service provides a safe and supportive platform exclusively for the LGBTQ+ community. Folx Health's model focuses on giving you control of your health and wellness—and the freedom to access expert care, no matter where you are. Folx Health helps patients with fertility, gender consultation, nutrition, sex, and more, plus it supplies medication for pre-exposure prophylaxis (PrEP), erectile dysfunction (ED) meds, estrogen, and testosterone.

To get started, you can either customize a subscription plan based on your needs or schedule a one-time visit with an experienced provider. Although Folx is available in only 38 states and Washington, D.C., its services and locations continue to expand. Folx doesn’t accept insurance, as it wants the costs to be as transparent as possible; however, you can choose to pay with an FSA/HSA card.

Primary care visits cost $59, while the price of prescription plans varies depending on the type of medication.

• Clinician visit: Online doctor visits for the LGBTQ+ community cost $59 per visit.
• Estrogen subscription plans: The New Start/Restart plan for estrogen costs $119 a month and is for anyone who has been on hormone replacement therapy for less than one year. The maintenance plan costs $59 per month and is meant for those in their second year or more of HRT. Both plans include automatic refills, lab testing, free shipping, virtual visits, and expert consultation.
• Testosterone subscription plans: The New Start/Restart plan for testosterone costs $139 per month, while the maintenance plan costs $89 per month. These plans have the same perks as the estrogen plan.
• PrEP plan: This pre-exposure prophylaxis plan includes a three-month supply of daily HIV prevention pills for $90 a month.

Best for Pediatric Care : Blueberry Pediatrics

• Price: $15 to $20 per month, plus cost of medical kit
• Platform: Web browser, phone, text, and app

Blueberry Pediatrics has affordable memberships, board-certified pediatric doctors, and 24/7 availability—even on holidays. 

24/7 access to board-certified pediatricians

Visits take 15 minutes or less

Can prescribe medication and order labs

Text option for support any time of day

Memberships include at-home medical kit

Doesn't accept insurance

One-time $100 fee to purchase a medical kit

Can provide care in only 18 states

Blueberry Pediatrics is a telehealth service that provides comprehensive pediatric care to children younger than 21 years old. The company has board-certified pediatricians available 24/7 via web browser, phone, or app, plus its memberships come with at-home medical kits that include an ear infection kit, finger pulse oximeter, and digital oral thermometer for accurate diagnosis and treatment.

Memberships include all children in your family at no additional cost, and there are no limits on how many times you can message the team. With 24/7 text support, you can ask the Blueberry Pediatrics team medical questions and receive a response within minutes. The staff can prescribe medications and send them to a pharmacy of your choice, and send medical information to your primary pediatrician to keep records up to date.

The website and app are both very easy to use. After answering a few questions about your child's symptoms, you'll be connected with a pediatrician in a matter of minutes. Blueberry Pediatrics serves 18 states: Alabama, Arizona, California, Colorado, Florida, Georgia, Illinois, Kentucky, Minnesota, New Jersey, New York, Michigan, Oklahoma, Pennsylvania, Utah, Tennessee, Texas, and Wisconsin. 

Blueberry Pediatrics offers a monthly and an annual membership plan; you'll save money if you choose the annual plan.

• Monthly membership: This costs $20 a month for 24/7 access to board-certified pediatricians. When you sign up, you’ll also pay a one-time fee of $100 for the medical kit.
• Annual membership: At $180, the annual membership saves you $60 each year compared to the monthly plan. This membership also requires a one-time fee of $100 for the medical kit.

Because of its already low-cost membership, Blueberry Pediatrics doesn't accept insurance. You can, however, pay using an HSA or FSA card.

Best for Psychiatry : Teladoc

• Price: Therapy $0 to $99, psychiatry $0 to $299, medical care $0 to $75
• Accepts Insurance : Yes
• Platform: Web browser, phone, and app

Whether you need therapy or psychiatric services, Teladoc offers convenient access to board-certified physicians who specialize in a variety of mental health conditions. Plus, the app makes scheduling easy with click-to-talk capabilities on your phone.

Offers appointments seven days a week

All therapists and psychiatrists are licensed

Option to choose which doctor you'd like to see

Medication management provided for some conditions

Available in the US, Canada, and internationally

No subscription plans or packages available

Doesn’t offer couples, group, or family therapy

Psychiatric services can be expensive without insurance

Teladoc provides a quick and easy option for psychiatric services, whether you need therapy or medication management. Focusing on a whole-body approach to care, Teladoc offers comprehensive mental health services from board-certified doctors seven days a week. It also offers primary care, dermatology, and nutrition services.

To create your account, enter standard information, such as your name, birthdate, and ZIP code. Next, you’ll be prompted to enter any insurance information, which will help give you a general idea of the cost. Once registered, you can search for a doctor and schedule an appointment right from your phone.

Teladoc's pricing isn't as accessible as other platforms, mainly due to its customized approach. Here are the price ranges available on the site:

• Therapy session: Appointments can cost between $0 and $99, depending on what your insurance covers.
• Psychiatric visit: Your first visit can range from $0 to $299 and follow-up appointments cost up to $119.
• Medical care: General medical services cost between $0 and $75 per appointment, depending on insurance.

Teladoc accepts insurance, including some Medicare Advantage plans, but you must set up an account to view specific coverage options. It doesn't offer subscription plans or free consults.

Best for Comprehensive Care : Doctor On Demand

Doctor on Demand

• Price: Medical care $75 per visit, mental health care $129 to $299 per visit

Doctor On Demand provides care for a broad assortment of issues. Patients can use the service for mental health care, preventive care, urgent care, chronic issues, and more. As well, coverage is available for both adults and children.

24/7 access to medical and mental health care

Offers medication management

Accepts many insurance plans

Services offered to adults and children

No subscription plans or discounts

Therapy availability varies by state

Can be expensive without insurance coverage

Doctor On Demand has been providing excellent service to patients around the country since 2013. The company offers a comprehensive lineup of services including urgent care, mental health, preventive health, and chronic care. From weight management to acute illness and stress, you'll find everything you need on one platform.

Doctor On Demand makes scheduling simple through its app and web portal, and it has appointments available within minutes. In the web portal, you can schedule with a certain provider or select the next available appointment. The app is user-friendly and walks you through the entire process from initial account creation to insurance and scheduling. Plus, you're able to check your coverage before scheduling a visit.

Doctor on Demand’s pricing varies based on the type of appointment and your benefits.

• Medical care: $75 for a 15-minute appointment
• Psychology: $129 for a 25-minute therapy sessions; $179 for a 50-minute session 
• Psychiatry: $299 for initial 25-minute consultation; $129 for 15-minute follow-up sessions

One plus of going through a service like Doctor On Demand is that you can use your insurance benefits. The company accepts a long list of commercial health plans as well as some Medicare plans. If you need comprehensive treatment in a hurry, this telehealth service has you covered.

Best for Flexible Care Options : Sesame

• Price: Varies depending on location and provider
• Accepts Insurance: No for appointments; yes for medication

With thousands of doctors available, Sesame is perfect for those seeking flexible, affordable care. It offers a wide variety of services, including dental care, skin consultations, therapy, sexual health care, and more.

Easily view available physicians, wait times, and costs

Works with doctors across more than 80 specialties

Optional cost-saving monthly membership available

Affordable prices without insurance

Accepts HSA and FSA payments

In-person clinics only available in some states

Insurance coverage only for medication

Must pay for appointment at the time of booking

Sesame was founded in 2018, and it offers affordable care to those with or without insurance across the country. As a superstore for health care, the telehealth service provides flexible care both virtually and in-person with experts specializing in more than 80 conditions. You can find providers for urgent care, prescription refills, mental health support, dermatology , dental care, and more.

The website is easy to navigate and up-to-date. Sesame has in-person services in some states, but its virtual appointments (usually video calls) are what the company is known for. To see available providers near you, simply select your location in the upper-righthand corner. From there, it's simple to select whether you're looking for in-person, telehealth, or prescription services. Everything from basic scheduling to prescription refills is available through its platform.

Sesame’s pricing varies depending on your needs and chosen provider. Costs are reasonable and outlined clearly on the website and app, which makes it easy to find exactly what you're looking for. To save money on the already affordable service, a Sesame Plus membership costs $11 per month and includes a free annual lab test and discounts on select medical services. However, you don’t need to be a member to use Sesame.

Sesame doesn't accept insurance, but users are able to view pricing for each board-certified physician before booking an appointment with them. If you're looking for high-quality, flexible care, Sesame is a great choice.

Best for the Uninsured : HealthTap

• Price: $99 per visit (or copay); $15 monthly memberships for $44 primary care visits and $59 urgent care visits (or copay)

Offering primary and urgent care with upfront pricing, HealthTap is a great choice for those looking for affordable telehealth appointments. It has a monthly subscription option that includes exclusive discounts and perks, making it a cost-saving option for those without insurance.

Has upfront pricing

Membership includes Talkspace discount

Can have the same primary care doctor for every visit

Features a free library with physician-answered questions

Prescription costs not included with membership

Doesn’t offer mental health care

Founded in 2010, HealthTap offers low-cost appointments for people without insurance. The telehealth service provides 24/7 urgent and primary care to children and adults via text or video. The board-certified doctors can diagnose, prescribe medication, order lab tests, and give referral recommendations.

HealthTap's app is extremely user-friendly, allowing you to easily book appointments, request refills, contact your doctor, and message other members of your care team—all through your smartphone. It even features a free library of questions from other patients and answers from its community of doctors, so you can learn more about topics outside of appointments.

HealthTap has two membership options:

• HealthTap Prime: For $15 a month, this subscription membership offers primary care appointments for $44 per visit (or your insurance copay) and urgent care appointments for $59 per visit (or your insurance copay). This plan includes 24/7 access to on-demand care, $100 off online therapy visits with Talkspace, your choice of primary care doctor, and more. 
• HealthTap Basic: This plan doesn’t have a monthly fee. Visits are $99 each (or your insurance copay). 

HealthTap accepts more than 100 insurance plans including Anthem Blue Cross, Aetna, UnitedHealthcare, and Cigna, plus HSA and FSA funds. With affordable appointments for children and adults, HealthTap is a great choice for those without insurance.

Best for Affordable Care : LiveHealth Online

• Price: Medical and allergy appointments up to $59 per visit, psychology sessions up to $95, psychiatry visits $75 to $175
• Platform: Web browser or app

LiveHealth Online offers telehealth appointments for medical, allergy, psychology, and psychiatry care, with medical visits averaging at just $59—no subscription required. Plus, it accepts several insurance plans.

Affordable appointments

No monthly fees

You choose your doctor

Provides care for children

24/7 access to medical and allergy care

No live chat support on the website

Health care doesn’t come cheap, but, luckily, LiveHealth Online offers inexpensive care for those with or without insurance. It’s free to sign up, doesn’t have any subscription fees, and you know the price of the visit before you commit to an appointment. LiveHealth Online has four types of services: medical, allergy, psychology, and psychiatry.

The website is basic and straightforward. It features an easy sign-up form that asks for only essential information like your name, email, and password. After you sign up, you can scroll through available board-certified doctors and view their ratings to help you choose one that fits your needs. Unfortunately, there isn't a live chat option on the website, so if you have any questions, you have to reach out via email or telephone.

LiveHealth Online has four different services and its pricing depends on your type of care and insurance coverage. You easily can see what your appointment will cost on the company’s website.

• Medical: Medical appointments cost $59 without insurance and might cost less if your health plan is in-network.
• Allergy: Rates are the same as for medical appointments.
• Psychology: Without insurance, therapist visits are $80 and psychologist visits are $95. They might cost less if you have insurance.
• Psychiatry: Your first appointment is $175. Follow-up sessions are $75 without insurance. They might cost less if you have insurance.

LiveHealth Online doesn't offer any free services, consultations, memberships, or subscriptions. Its upfront pricing makes it an affordable choice for those in need of quick solutions for ailments like pink eye, rashes, or tooth pain . Though somewhat basic, LiveHealth Online is extremely budget-friendly.

Best Medication Refills : PlushCare

• Price: $15 per month or $99 per year, plus $129 for the first visit and $69 for all repeat visits or insurance copay

As a PlushCare member, you can see a board-certified doctor and get medication refills sent to your pharmacy in as little as 15 minutes. The company offers a variety of services, but its quick online prescriptions are the cream of the crop.

Same-day appointments available in just 15 minutes

Hires doctors from top U.S. medical institutions

Accepts insurance and HSA/FSA payments

Offers four different types of care

Must pay a membership fee to use

Cost is higher than other telehealth options

Since 2015, PlushCare has been a leading provider of telemedicine in the United States. Its services are available 24/7 and include primary care, urgent care, mental health, and therapy. With affordable pricing and low wait times, PlushCare makes it easy to get medication refills on prescriptions—like birth control, antidepressants, and diabetes medications—sent to your local pharmacy.

Before ever creating an account, you can find available doctors and appointment times on PlushCare’s website and mobile app. You can view a physician's background, ratings, and reviews—and then make your selection. Once you become a member, getting started is easy; just enter the requested information into the form and book an appointment.

PlushCare has two membership options:

• Monthly: Monthly membership is $15 a month. The first visit costs $129 with follow-up appointments costing $69, if not insured, or your insurance copay.
• Annual: For $99 a year, this membership is the best value. Appointment fees are the same, but you save $81 in membership fees.

While the membership fee may be a drawback to some, the ease of getting medication refills sent quickly can be worth it. As a bonus, memberships include unlimited messaging with your online care team as well as same-day appointment options.

Best Nutritionist : Tepper Nutrition

• Price: $170 to $220 for the initial appointment

The registered dietitians at Tepper Nutrition use an overall lifestyle approach for each client, whether you have food allergies, sensitivities, or other chronic conditions that can be improved through nutrition, or just want to develop a more positive relationship with food and eating.

Has sliding scale rates

Consultations available Monday through Friday

Offers retreats, workshops, and nutrition courses

Weight-neutral, anti-diet values

In-person consultations only available in Virginia and Washington, D.C.

Virtual consultations only available in 13 states and D.C.

Tepper Nutrition offers one-on-one nutrition therapy and coaching to those facing a wide range of concerns, including eating disorders, Crohn’s disease, IBS, high cholesterol, allergies, celiac disease, type 1 and type 2 diabetes, PCOS, and more, plus services for pediatric, prenatal, and postpartum nutrition. The practice teaches clients to create lifestyle changes using non-diet, weight-inclusive Health At Every Size® principles.

Depending on your location and preferences, you will meet with your dietitian either in person or virtually. There are two clinics in the state of Virginia (located in Alexandria and Leesburg) and one in Washington, D.C. The practice also offers telemedicine appointments to clients who live in those two areas and in Arizona, California, Colorado, Florida, Maryland, Massachusetts, Michigan, Missouri, North Carolina, Texas, Utah, and West Virginia. 

Price is per session:

• An initial 60-minute consultation costs $195 out of pocket. Your provider will ask questions about your medical history, lifestyle, sleep habits, stress level, daily schedule, what you tend to eat, and other factors that may contribute to your current concerns.
• 90-minute follow-up sessions are $160. Sliding scale payment plans are available to some clients on a case-by-case basis. The company can provide a superbill to submit to your insurer for out-of-network coverage.

Tepper Nutrition also offers a weight-inclusive, self-guided intuitive eating program, Beyond the Fork ($349–$499), as well as occasional yoga retreats and nutrition workshops at varying prices.

Overall, MDLIVE stands out thanks to its affordability and user-friendly features. Book a virtual appointment with a board-certified doctor within minutes of signing up—no matter what time it is. Plus, you can get prescriptions sent directly to your local pharmacy, use insurance, and pay with FSA/HSA funds. In addition, the customer support team is available 24/7 to handle any issues along the way.

Compare the Best Online Doctors

Guide for choosing the best online doctor, what is an online doctor.

An online doctor can be thought of as a modern take on the traditional general practitioner (GP). Online doctors aren't a replacement for your in-person primary care physician (PCP), but they are a smart solution for individuals and families to have flexible urgent, medical, and mental health care readily available via a computer, phone, or app.

Is an Online Doctor Right for You? 

Online doctors are a convenient option when you need flexible care. Since virtual appointments are conducted via the internet, you can book visits at any time of day—plus, you don't have to leave your couch for your appointment. Many online doctors can prescribe medication, order lab work, and provide referrals.

While virtual appointments may be appropriate for mild illness or injury, not every condition qualifies for online care. Seek emergency assistance at the nearest hospital if you're experiencing chest pain, seizures, difficulty breathing, or suicidal ideation.

Comparing Online Doctors

Not every online doctor offers the same services. Do your research before choosing a virtual doctor and consider your preferences carefully. Some factors to weigh include:

• Cost: Telehealth costs vary greatly, so it's important to understand the pricing structure and fees of your chosen online doctor.
• Services: Some virtual clinics offer only urgent care, while others provide ongoing primary care and mental health support.
• Insurance: Many online doctors accept some insurance plans. If you plan to use insurance, you'll want to ensure your chosen online doctor accepts your plan first.
• Availability in your state: Availability varies by provider and state. Check the website of your chosen doctor to understand which locations they serve. It's especially important to research location availability if you're seeking mental health services.
• Platforms: Web browsers and apps are the most popular ways to connect with online doctors, but some providers offer services via phone calls or texting. Know what type of device you plan to use and check that your preferred online doctor supports it.
• Discounts or cost-saving options: Discount codes, membership plans, subscriptions, and free consultations can help you save money—especially if you don't have insurance.
• Reviews from other patients: Hearing firsthand experiences from other patients provides valuable insight into whether or not your needs will be met by your chosen online doctor.
• FSA/HSA: Having the ability to pay using a flexible spending account or a health savings account could help lower costs. Check to make sure they accept these forms of payment if you plan to use them.

Scheduling an Appointment with an Online Doctor

Once you've chosen an online doctor service, you'll likely be asked to create an account before booking an appointment. This helps keep your medical information in a safe, secure, and organized location for you and your provider.

Once your account is set up, you should be able to choose an available provider and time based on your preference. If you're new to online care, it may be helpful to speak to a representative via online chat or phone. If your chosen online doctor accepts insurance, you'll input this information to give you a better idea of the cost before booking an appointment.

Some common questions you may be asked:

• Personal Medical History
• Current medications
• Family history
• Reason for visit

Most platforms are user-friendly; however, if you're not sure how to book an appointment, you can call the number provided on the contact page for assistance.

Frequently Asked Questions

What are the different types of online doctors.

There are a variety of online doctors who provide a range of services. Many offer acute care for mild symptoms or illnesses, while others specialize in managing chronic diseases and promoting wellness. There also are some providers who offer only urgent care. You'll find board-certified physicians, OB-GYNs, pediatricians, and even mental health therapists and psychiatrists among online doctors.

What Are the Benefits of Using an Online Doctor?

Using online doctors ensures convenience, flexibility, and privacy. They also offer quick and easy access to care, allowing you to see a medical professional and get the help you or your family needs quicker than most in-person clinics.

When Should You Not See an Online Doctor?

Online doctors aren't meant for emergency visits. If you're having a medical emergency such as chest pain or difficulty breathing, please call 911 or go to the nearest emergency room immediately.

Can Online Doctors Prescribe Medication?

Yes. Many online doctors prescribe medications to treat mild to moderate medical conditions, but they can’t prescribe controlled substances, such as opioids (codeine, morphine, Oxycontin), sedatives (Ambien, Lunesta, Sonata), stimulants (Adderall, Concerta, Ritalin, Vyvanse), and certain anxiety medications (Ativan, Klonopin, Valium, Xanax). Depending on the provider, they may prescribe antibiotics, birth control, antidepressants, or other prescriptions.

What Do I Do If I See an Online Doctor And Need a Lab Test?

Many online providers partner with local labs that offer convenient appointment times, locations, and results. However, most lab services are an additional cost—unless otherwise noted. Still, some online doctors don't have the capability of ordering these tests.

We looked at dozens of online doctors to determine which ones offer all-encompassing features at affordable prices. Our primary focus was on cost, payment options, insurance, appointment scheduling, and convenience. We also took consumer reviews into consideration to determine how user-friendly the platform is, as well as overall satisfaction scores.

Lastly, we considered which providers offered more than the traditional online doctor services. Those with 24/7 availability, prescription drug options, and even lab tests were highly regarded. In the end, we based our rankings on the total value provided by each online doctor platform.

Maskot / Getty Images

Koma W. Medicare and telehealth: coverage and use during the COVID-19 pandemic and options for the future . Kaiser Family Foundation.

Center for Connected Health Policy. Compare state policies .

By Lindsay Modglin Lindsay is a nurse-turned professional health and wellness writer with 9+ years of clinical healthcare experience.

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How much does Doctor On Demand cost?

It could be $0 thanks to your employer or insurance.

Here's how to find out:

• Download the app
• Register and create your account
• Add your insurance information
• Your cost will show before your visit

Board Certified Clinician

• $89 for a 15 min consultation

Psychologist

• $134* for a 25 min consultation
• $184* for a 50 min consultation

Psychiatrist

• $299 for initial 45 min consultation
• $129 for 15 min follow-up

Insurance is not required to use Doctor On Demand. *Before a consultation ends, you can continue the call for an additional fee if you’d like.

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 Demand and enter your plan information.

Register in the app and be ready to see a doctor, therapist or psychiatrist anytime, anywhere. Available for iPhone and Android.

What we treat

Urgent care.

• Cold and flu
• Sinus infections
• Skin rashes
• Asthma and allergies
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• Headaches and migraines
• See all Urgent Care

Behavioral Health

• Anxiety and depression
• Trauma and loss
• Bipolar disorder
• Relationship issues
• Mental health screenings
• See all Behavioral Health

Virtual Primary Care

• Wellness visits
• Lab and screenings
• Chronic conditions
• Diet and nutrition
• RX management
• Specialist referrals
• Family medicine
• Men’s and women’s health

Chat-based Coaching

• Healthy habits
• Trouble sleeping
• Work stress
• Motivation to change

Find Urgent Care today

Find and book appointments for:.

• Urgent Care
• Pediatric Urgent Care
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• COVID Vaccine

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

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

• At an urgent care center you can expect to pay between $100-200 to see a provider, plus the cost of any treatments or testing you may need.
• Always ask for pricing information before you agree to any testing or treatment. You are entitled to this information.

Going to the doctor for any reason can be expensive. Without insurance, you can expect to pay approximately anywhere from $50–$350 just for a routine medical exam, which doesn’t include additional expenses such as x-rays , blood tests, or other lab work.

The cost of a doctor's visit

According to Solv’s Chief Medical Officer, Dr. Rob Rohatsch, the cost of a doctor’s visit can vary widely depending on factors such as:

• The type of doctor you are seeing
• The reason for your visit
• Where you see the doctor, for example, if you go to an urgent care facility or a doctor’s office
• Whether you are a new or established patient
• Any necessary tests or treatments
• Whether you need lab work

Visits to specialists such as primary care providers, pediatricians, and psychiatrists were lower than the average cost, while the most expensive doctor’s visits were for orthopedists and cardiologists.

Data from the Agency for Healthcare Research and Quality indicates that if you are visiting a doctor and don’t have insurance, you can expect to pay roughly the following amounts. The cost could vary depending on the factors listed above.

• Psychiatry: $159
• Pediatrics: $169
• Primary care: $186
• Dermatology: $268
• OB/GYN: $280
• Ophthalmology: $307
• Cardiology: $335
• All other: $365
• Orthopedics: $419

Additionally, if you are a new patient, there may be an additional charge associated with your new patient exam.

Where to see a doctor without insurance

If you don’t have insurance, the cost of your doctor’s visit can also be affected by where you go to see the doctor. There are many places you can seek medical care, some of which are more affordable than others, notes the Agency for Healthcare Research and Quality:

• Community health clinics often provide free medical care or low-cost care, including preventive care, health screenings, and vaccinations .
• Urgent care centers offer many health services. Many don’t require appointments, although your wait time may be less if you schedule an appointment in advance. You can expect to pay around $100 - $200 to see an urgent care provider, plus the cost of any treatments or testing you may need.
• Many health care facilities now offer telehealth services, which are often more convenient and more affordable. For some conditions, however, you may need to be seen in person for proper diagnosis and treatment.
• If your medical need is not urgent, and you know the type of doctor you need to see, you can schedule an appointment with a primary care physician or a specialist at their office. Be sure to ask about their payment policy in advance. If you don’t have insurance, you may be required to pay the entire bill at the time of service.
• If you have a medical emergency, you can visit the nearest emergency room. Even if you don’t have insurance, you will be able to receive treatment. However, this is typically the most expensive option. If you have a non-emergency medical condition that can wait until you can be seen at one of the other options, you will likely save money.

Paying self-pay prices for doctor’s visits

Even if you have insurance, you may be able to save money by paying cash for certain medical services. While preventive care may be covered at 100% by your insurance company, other tests and treatments may be applied to your deductible. If you have a high deductible and don’t expect to meet it – especially if it’s late in the calendar year – paying cash for your medical care may be a cheaper option.

Most doctor’s offices and health care providers charge a higher price when they bill the insurance company. For example, they may charge the insurance company $70 for a treatment or service, but if the patient is paying cash, they may only charge $60. This is known as the self-pay price . If you pay cash, the claim won’t be submitted to your insurance company, but you could end up saving money.

Always ask for pricing information before you agree to any testing or treatment. You are entitled to this information. As of 2021, hospitals are required to disclose self-pay prices, even when the patient has insurance. If the doctor’s office won’t provide you with this information, be persistent, or seek care somewhere else. If you plan on paying self-care prices, you aren’t limited to the providers in your insurance network. You’ll have a wider range of options to choose from, and you can choose a provider who is willing to provide fair, clear prices.

Let your doctor’s office know that you are paying out of pocket, and ask if they offer a discount for self-pay patients. Many doctor’s offices will offer special rates for patients who are paying cash or who do not have insurance; however, they may not advertise these rates, so it’s always a good idea to ask.

Know what you’ll pay ahead of time with Solv ClearPrice TM

According to Healthcare Finance News, more than half of Americans avoid going to the doctor when they’re sick due to high medical costs or unclear costs. Solv is committed to eliminating surprise medical bills with Solv ClearPrice™ . We partner with thousands of providers across the country who have agreed to display self-pay prices for their services. When you book an appointment on Solv, you will be able to see the self-pay price for many common services.

To schedule an appointment, search our directory for a provider in your area. Begin typing the service you are looking for, and choose from the list of options that appear. If you aren’t sure which type of doctor you need to see, you may want to try an urgent care clinic or a walk-in clinic . In many cases, you can schedule an appointment quickly and conveniently online, and many of our providers have same-day or next-day appointments available.

Frequently asked questions

What factors affect the cost of a doctor's visit, what is the average cost of a visit to the doctor’s office, are there any additional charges for new patients, where can i seek medical care if i don't have insurance, what is the self-pay price, are hospitals required to disclose self-pay prices, can i get a discount if i'm paying out of pocket, what is solv clearprice™.

Michael is an experienced healthcare marketer, husband and father of three. He has worked alongside healthcare leaders at Johns Hopkins, Cleveland Clinic, St. Luke's, Baylor Scott and White, HCA, and many more, and currently leads strategic growth at Solv.

Dr. Rob Rohatsch leverages his vast experience in ambulatory medicine, on-demand healthcare, and consumerism to spearhead strategic initiatives. With expertise in operations, revenue cycle management, and clinical practices, he also contributes his knowledge to the academic world, having served in the US Air Force and earned an MD from Jefferson Medical College. Presently, he is part of the faculty at the University of Tennessee's Haslam School of Business, teaching in the Executive MBA Program, and holds positions on various boards, including chairing The TJ Lobraico Foundation.

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

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

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How to See a Doctor Without Health Insurance

Just the Essentials...

• If you don’t have health insurance, you still have ways to see a medical provider.
• Many primary care doctors accept cash patients – some even operate cash-only practices.
• You can seek out community health and urgent care clinics in your area.
• Seeking care without health insurance can take a serious financial toll on you.
• It’s easier now than ever to find an affordable health insurance plan.
• Many states have expanded Medicaid. If you do not have health insurance because you think you cannot afford it, you should apply for Medicaid coverage or CHIP for your children.

Can I See a Doctor Without Health Insurance?

Let’s say you think that you have the flu. You need to see a doctor for treatment, but you’re afraid that you won’t be seen because you don’t have health insurance. While it’s important to have health insurance, it isn’t a necessary prerequisite to be seen by a medical professional.

Today, many primary care physicians, and even some specialists, will accept patients with or without health insurance. Some even offer discounts to patients without insurance who pay in cash. Be sure to speak with practices in your area to see what options are available to you.

Affordable health insurance plans in your area are just a quick search away. Enter your zip code into our free comparison tool above to find a health insurance plan near you that meets your needs.

Direct Primary Care Providers

Direct primary care providers are doctors who specifically see patients on a “cash only” basis. You may also see direct primary care doctors referred to as “concierge doctors” at times. Most direct primary care clinics charge patients a flat monthly rate, and the doctor will see them as often as needed for general preventive and other medical services.

These clinics do not take health insurance at all because they do not bill insurance companies. The model is based instead on the monthly financial arrangement made between patient and provider, cutting the need for insurance out of the process. Some direct primary care providers offer services for as low as $50 per month.

Not all direct primary care clinics charge a monthly membership fee, though. Some simply accept cash upon each visit, and can sometimes offer services at a discounted rate. 

If you have a direct primary care provider near you, take the opportunity to speak with them regarding their prices and services. Doing so can help you a great deal in the long run if you do not have health insurance.

Community Health Clinics

If you do not wish to see, or cannot afford, a direct primary care provider, or there are none available in your area, community health clinics are great second options. You’ll often find these clinics in rural and/or suburban areas. Community health clinics provide services for free, or at a low cost on an income-based sliding scale.

Some of the services that community health clinics provide include:

• Prenatal care
• Immunizations for infants
• Primary care services for adults and children
• Referrals to specialists

If needed, some community health clinics are able to help with specialized HIV/AIDS care as well. If you’re in need of specialized services at little to no cost, look for a community health clinic in your area.

Urgent Care and Walk-In Clinics

If community health clinics or direct primary care providers are not available to you, you have a few other options. Urgent care and walk-in clinics may be able to provide you with the medical care that you need.

Urgent care centers are a great idea if you’re having an issue that your primary care provider cannot treat, such as broken bones. In most cases, urgent care centers are equipped with specialized medical technologies, such as x-ray machines, and often take cash patients. 

The cost of services at an urgent care center is similar to the cost of visiting a doctor, and is less expensive than an ER visit. If you plan to go to an urgent care clinic, be sure to call ahead to make sure that they have the technology available to treat you and that they take cash patients at reasonable prices.

Walk-in clinics are often located in pharmacies or grocery stores, and their service offerings are more limited than those of an urgent care clinic. For instance, many walk-in clinics simply treat common infections and offer flu vaccines. They are, however, much cheaper than a doctor’s office and accept cash for services.

If you’re a college student , you can often visit an on-campus clinic free of charge or receive the services that they offer at little cost. The services may be more limited than those offered by urgent care or walk-in clinics, but they can usually treat you for common health issues. The convenience and cost of on-campus clinics make them wonderful options for students without health insurance.

Why Do I Need Health Insurance?

Simply put, healthcare is expensive in this day and age. Rising costs make it tough to receive medical services without some form of health insurance. If you do not have health insurance, you’ll end up paying much more for medical services in the long run than if you had it.

Sure, the options listed above are relatively inexpensive, especially compared to the cost of visiting a PCP or an ER. However, costs always build up over time. The costs you’ll end up paying out of pocket for an alternate care provider will probably end up being more than what you’d pay monthly in health insurance premiums. They’ll also end up taking a serious financial toll in the long run.

How Can I Apply for Health Insurance?

If you’re employed, you can sign up for health insurance through your job. If you’re just starting a new job, you can sign up immediately during onboarding. If you opted out, but now want insurance, you’ll have to wait for an Open Enrollment Period to sign up.

For those of you who are currently unemployed, or you feel that the health insurance offered by your workplace is too expensive, you can sign up through the Affordable Care Act (ACA) Marketplace. The ACA Marketplace offers numerous ways to apply through their website .  

Open enrollment for ACA plans begins on November 1 and ends on January 31. If your health insurance was recently canceled or you lost your job, you may qualify for a special enrollment period that allows you to enroll after the OEP time period mentioned above.

Do I Qualify for Medicaid?

If you are considered low-income , and you do not have health insurance because you believe that you cannot afford it, you may be eligible for Medicaid . Medicaid coverage varies by state, but many states have expanded the program to cover more people below a certain income level. Medicaid has no enrollment period, so you can apply at any time. If you are approved, your coverage will begin immediately.

You can apply for Medicaid one of two different ways:

• Through the ACA Marketplace, which forwards your information to your state’s Social Security agency if you appear to be eligible.
• You can apply directly through your state’s Medicaid office.

If your income is too high for Medicaid and you have children, they may be eligible for the Children’s Health Insurance Program (CHIP). CHIP offers health coverage for children at a lower cost. Some states even cover pregnant women. Eligibility and benefits vary in each state, but there are certain basic benefits that all states must cover.

What’s the Takeaway?

There are certainly great options out there for medical care if you do not have health insurance. Direct primary care providers, community health clinics, walk-ins and urgent care, and on-campus clinics can provide necessary services at low cost. However, the best option remains to obtain health insurance so that you can get the care you need without worry at affordable prices through your PCP.

Compare free health insurance quotes today with our search tool simply by entering your zip code!

Key Resources:

• “What is Direct Primary Care?” A Patient’s Guide to DPC”
• “Where to Find Low-Cost Health Care in Your Community”
• “Will My Child Need College Student Health Insurance?”
• “Apply for Health Insurance”
• “Get Health Insurance Answers from Healthcare.gov Marketplace”
• “Federal Poverty Level (FPL)”
• “How to Qualify For Medicaid and CHIP Healthcare Coverage”