cost of doctor home visit

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

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.

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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Get answers to frequently asked questions about HouseCalls

When you have questions, UnitedHealthcare is here to help. Click the arrow to the right of each topic below to see the questions and answers. Click the arrow again to close the topic.

How much does a UnitedHealthcare® HouseCalls visit cost?

A HouseCalls visit is a no-cost yearly health check-in for members enrolled in an eligible UnitedHealthcare health plan.

Will a HouseCalls visit affect my insurance premium or benefits?

No. A HouseCalls visit is available to eligible UnitedHealthcare plan members and is not intended to imply the recipient has a specific condition or disease. The visit does not take the place of your regular visits to your primary care provider (PCP). Participation in this program does not affect your health care premium or coverage.

What should I expect during a HouseCalls visit?

During a HouseCalls visit, you’ll meet with the same types of professionals you see in a doctor's office — a licensed health care practitioner. They’ll help answer your health-related questions, perform a medical exam and select health screenings in the comfort of your home. If you choose, your family members, loved ones or caregivers are welcome to sit in on the visit and ask questions. A typical visit is up to a full hour.

The results of your exam and screening will be sent to both you and your primary care provider (PCP).

Watch this video to learn more.

How do I earn a reward for a HouseCalls visit?

Members who complete a HouseCalls visit may be eligible to earn a reward. Reward offerings may vary by plan and are not available in all plans. Reward Program Terms of Service apply.

To learn more about rewards, call the phone number or access the plan website listed on your member ID card (health plan card).

Who will come to my home for the HouseCalls visit?

You'll meet with a licensed health care practitioner who may be a nurse practitioner, physician assistant or medical doctor. Just like the professionals you see in your regular doctor’s office, our staff are state licensed and maintain national certification. We take the extra step of performing background checks on our clinical staff to provide additional assurance for our members.

How do I know if I am eligible for a HouseCalls visit?

It’s always a good idea to double-check eligibility with your health plan. Call the phone number on your member ID card to confirm.

Can my family members take advantage of a HouseCalls visit?

If your family member is enrolled in an eligible health plan, they can also have a HouseCalls visit at no additional cost. Each eligible member must schedule their own HouseCalls visit.

How can HouseCalls help if I already see a doctor?

HouseCalls supplements your doctor’s care with an extra set of eyes looking out for your health between regular doctor’s visits.
Your in-home health care practitioner will help you by supporting existing relationships with doctors — and can also help you establish relationships with new care resources if needed.
Doctor’s appointments can sometimes feel rushed, and you may not know what to ask. HouseCalls health care practitioners can provide you with a checklist of important questions and topics specific to your needs to discuss with your doctor at your next visit. This helps ensure you get the information you need.

Can someone else be present in my home during a visit?

Absolutely. Your loved ones, caregivers or friends are welcome during the visit.

How do I schedule a HouseCalls visit?

*By providing your mobile number to us, you agree to receive periodic text messages from the HouseCalls appointment text program. These messages may contain personal health information. Text messaging is not a secure method of communication and carries some risk of being read by a third party. Message and data rates may apply and the welcome message will include the link to the full terms and conditions.

HouseCalls may not be available with all plans or in all areas. This communication is going to eligible members and is not intended to imply a disease, condition or interest. The program doesn’t take the place of the member’s regular visits to their care provider. Participation in this program does not affect the member’s health care coverage.

House Calls – We Bring the Doctor’s Office to the Patient

At Mobile Physician Services, we provide comprehensive care to improve the health and quality of life of our patients – in the convenience and comfort of their own home. Our team of board-certified doctors, advance nurse practitioners, and physician assistants specialize in providing care for patients with medically complex and chronic conditions.

Our Services

We accept Medicare, many insurance plans, and self-pay.

To find out more about our services:

Call Toll-free: (855) 232-0644

E-mail us at [email protected]

Primary Care

Pain management, palliative care.

At Mobile Physician Services, our customized care teams provide patients with both comfort and familiarity as they work with a dedicated primary care provider and care coordinator to improve their health. Our physicians and staff take a proactive approach to preventive care, chronic disease management, and chronic illness support right where you live.

Each home visit includes an in-depth examination and individualized treatment plan, which is monitored and adjusted through routine follow-up visits. The primary care provider will deliver your ongoing care and will recommend to you specialty services as needed.

Annual Wellness visits : This wellness visit allows your primary care provider to create or update your personalized prevention plan. This visit includes a review of your medical and social history related to your health and may include counseling about preventive services. This plan may help you to prevent or reduce the chances of future illness based on your current health and risk factors.
New Illness Exams : When a new symptom or ailment arises, call us. Early indications of not feeling well could be a clue that you may be getting sick. A symptom in one part of the body may also be a sign of a problem in another part of the body. Moreover, unrelated symptoms that might seem minor on their own, could be warning signs of a more serious medical disease or condition. The new illness exam can be very brief or more detailed depending on your concerns and the provider’s findings.
Follow-up Care: Involves a regular medical checkup, which may include a physical exam and laboratory testing. Follow-up care checks are a proactive way of assessing the potential for and preventing health problems from returning after treatment of a disease has ended or an illness has seemingly passed.
Referral for Specialty Care : Referrals are the link between primary and specialty care. The referral coordination includes the documentation of patient care activities, the transfer of information, the inter-provider communication itself, and the integration of care services to the patient. Mobile Physician Services is a multi-specialty practice so many of these specialty referral services can be made seamlessly with little inconvenience or disruption to the patient and caregivers regular routines.
Medication Management: Medication management is a treatment structure that ensures our patients are receiving optimal therapeutic results from their prescription medications, both in the short and long term. Our team’s goal is to mitigate medication noncompliance and monitor all prescriptions treatments so that drug interactions complement one another for the most optimal outcome for our patients.

The provider may be a physician, advanced practice nurse or a physician assistant. A dedicated care coordinator will also be assigned for each patient to help arrange comprehensive services and assist patients and their caregivers.

Online Patient Portal: You and your designated caregiver, if you choose, will be able to connect with your provider through a convenient, safe and secure environment which allows access to your health records and a way to communicate with our staff in a timely manner.
Telephone Assistance : On call providers are available 24/7 weekdays and weekends.

Our psychiatry team specializes in the diagnosis and management of mental, emotional and behavioral disorders. They carefully evaluate each patient to develop an individualized treatment plan to improve the patient’s overall mental and physical well-being.

Depression : Depression is a common and often serious medical illness that negatively affects how you may feel, the way you may think, and how you may act. Depression can cause feelings of sadness, despair and hopelessness, which may lead to a loss of interest in activities you once enjoyed.
Anxiety : Intense, excessive, and persistent worry and fear about everyday common situations. The worry or anxiety could make you feel fatigued, irritable, and interfere with your regular sleep habits.
Dementia : An overall term that is used to describes a collection of symptoms related to an individual’s decline in memory or other thinking skills. It may be severe enough to diminish a person’s ability to perform everyday common activities. The effects of dementia can negatively influence your memory, thinking and social abilities.
Phobias : A phobia is when you experience excessive panicking or an irrational fear reaction to a situation. If you have a phobia, you may experience a deep sense of dread or fright when you encounter the source of your fear. The fear may be a certain place, situation, object, animal or even another person.
Behavioral disorders : Attention deficit, hyperactivity, bipolar, learning, defiant or conduct disorders are all examples of complaints that may have a detrimental impact on a person’s interpersonal relationships with family, friends, and co-workers.

Our team can provide behavioral counselling and medical therapy, when appropriate, to help a patient feel better about themselves and to assist them with better coping and managing their condition.

Our wound care specialists have been trained in the attention and treatment of all types of acute and chronic wounds. They have skill and experience in wound debridement and wound care procedures – managing chronic, non-healing wounds and infections, with a demonstrated care that fosters healing… right in the patient’s own home.

We specialize in serving homebound patients who may also be bed-bound or have difficulty in walking or moving around. As a result, immobility compression sores develop at pressure points on the body when the weight of an immobilized individual rests continuously on a firm surface, such as a mattress or wheel chair. Often these same patients are on oxygen or have high-risk medical conditions which makes it an even more challenging and stressful effort for them to travel to a doctor’s office for an appointment. Thus, the necessity for in home care and treatment.

Wounds that benefit from specialized wound care techniques include:

Diabetic foot wounds and ulcers
Post-surgical wounds
Traumatic wounds caused by injury
Arterial and vein stasis caused by lack of circulation
Immobility pressure sores. (Bed sores from stillness)

We work closely with home health agencies to provide ongoing care and monitoring of patient’s wounds.

Our board-certified podiatrists treat foot pain, wounds, and more. Treatments may include but are not limited to treating conditions of the lower extremities which could hinder mobility.

We will review each patients’ medical history to evaluate the condition of the feet, ankle or lower leg
Carry out a diagnosis on the feet and lower legs through examination and medical tests
Order physical therapy when deemed necessary
Treat wounds of the lower extremities using various wound care modalities. This may include debridement to improve the healing potential
Promote prevention, health & well being, the treatment and management of the foot and related problems, disability, deformity, and the pedal complications of chronic diseases for the elderly
Prescribe and fit prosthetic appliances such as diabetic shoe inserts and evaluate for bracing if necessary
Refer patients to other specialists for treatment, including conditions such as diabetes or arthritis
Advise patients on ways to prevent future leg problems and increase speed of recovery
Monitor the recovery progress of patients to determine the need for change in treatment

We know it’s not always easy to leave home to get the care you need for your eyes. Our optometrists bring state-of-the-art diagnostic eye equipment and technology to your home – making it much easier for you to get the vision care you need.

During a visit, your doctor will exam each eye for signs of serious issues such as glaucoma, cataracts, macular degeneration, and detached retinas, among other conditions.

Receiving regular eye exams regardless of the state of your vision can help detect serious eye problems at their earliest stages ─ when they are most treatable. During an eye exam, your doctor will observe and evaluate the health and condition of the blood vessels in your retina, which can be good indicators of the health of your blood vessels throughout the rest of your body.

Comprehensive eye exams : This exam goes beyond a simple vision screening. A comprehensive eye exam includes a host of tests in order to do a complete evaluation of the health of your eyes and your vision.
Annual retina exams : A retinal exam allows your doctor to evaluate the back of your eye, including the retina, the optic disk and the underlying layer of blood vessels that supply the retina.
Eyeglass fittings : A prescription works best when your eyeglasses are properly fitted. Improper fitting may cause pinching, distorted vision, headaches, and even dizziness. Our doctors will make sure your prescription lenses and frames are working together for you.
Diabetic eye exams : Diabetes does not have to lead to vision loss. Taking an active role in managing your diabetes can go a long way in curbing later complications. Regular eye exams, good management of your blood sugar and blood pressure, along with early intervention for vision problems can help prevent vision loss caused by diabetic retinopathy. Retinopathy is caused by damage to the blood vessels of the light-sensitive tissue at the back of your eye.
Refractions: This test is given as part of your routine eye examination. It is often referred to as a vision test. This test assists your eye doctor in measuring you for the exact lens prescription you will need.
Eye injuries: Eye trauma could be the result of a sudden blow to the eye. It may cause the eye to suddenly compress and retract which could cause damage to your eye and the surrounding tissue. Even if the injury may seem minor, all eye injuries should be furthered examined by a doctor for possible more serious and underlying injuries.
Eye infections: The most common eye infection is conjunctivitis, also known as pink-eye. An eye infection can happen in almost any part of your eye, including your eye lid, cornea and optic nerve. Symptoms of eye infections may include redness, itching, swelling, discharge, pain, or problems with vision. Always consult with your doctor before treating, as recommended actions are contingent on the cause of the infection.
Low-vision exams: A low vision exam is different from a normal eye exam. This functional-vision assessment determines how specific visual impairments affects your ability to perform everyday activities. The exam’s results assist your doctor in prescribing management tools and medications to better enhance and manage your remaining vision.

Pain management is the process of providing medical care that alleviates or reduces pain. Pain management is a subspecialty of general medicine employing an interdisciplinary approach to ease the suffering and improve the quality of life of those living with chronic pain by using a combination of pain medications, joint and muscles injections, and physical therapy techniques.

A pain management specialist is a provider with advanced training in diagnosing and treating pain. Our pain management specialists treat pain stemming from a variety of different causes, whether it’s neuropathic pain or headache, or the result of injury, a surgical procedure, cancer or another illness.

Palliative care is an approach to the holistic care of patients, including family and caregivers, to improve the quality of their lives after the diagnosis of a chronic debilitating disease or life-limiting illness that may cause a host of complaints.

Palliative care can begin at diagnosis and continue to be offered while the patient is continuing active treatment through different phases of their life limiting condition. Palliative care is for any patient with a chronic illness who is experiencing a decreased quality of life because of symptoms related to their illness or treatment, like renal dialysis, oxygen therapy or chemotherapy. The care is provided by a specially-trained team of doctors, nurse practitioners, physician assistants, and other specialists who work together to provide an extra layer of support to the patient and their caregivers.

Palliative care can help in symptom control including not only pain, but nausea, weakness, shortness of breath, fatigue and weight loss at any time during their diseases, not only at the end of life.

Mobile Physician Services, Inc. Corporate Headquarters 6804 Cecelia Drive New Port Richey, FL 34653

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HouseCalls is check-in care that comes to you

Did you know you can set up a yearly preventive care visit at home.

UnitedHealthcare® HouseCalls — our yearly in-home health and wellness service — is a health plan feature for Medicare and Medicaid members, offered at no additional cost to you. It’s a way to help our members stay on top of their health between regular doctor visits.

Why is a HouseCalls visit a good idea?

Benjamin Franklin said it best, “An ounce of prevention is worth a pound of cure.” We agree. The goal of our preventive care visits is to help you maintain your independence and continue doing what you love long into the future. We know there’s no way to prevent all health emergencies and accidents, but we believe that by taking care of yourself, you may be able to improve your odds of avoiding them. That’s where HouseCalls comes in.

UnitedHealthcare® HouseCalls

Video transcript.

These days, you can have just about anything delivered to your door.

How about a home delivery of good health and wellness? It comes from UnitedHealthcare and is called HouseCalls.

HouseCalls is a yearly health and wellness visit that happens in the privacy of your very own home. No driving to an appointment. No sitting in a waiting room.

Here’s how it works.

Our HouseCalls team finds a time that’s convenient for you and schedules the visit. A health care practitioner, a physician’s assistant, medical doctor or nurse practitioner, comes to you at the scheduled time. The clinician completes a health evaluation, including a physical exam and other important screenings, then YOU decide what happens next.

You can discuss questions to ask your doctor at your next appointment, review instructions from your last doctor’s appointment or chat about other health concerns you haven’t had a chance to talk to your doctor about. Whatever you need.

The visit takes about 45-minutes to an hour – plenty of time to answer your important health questions.

Your practitioner will even send a summary of your HouseCalls visit to your doctor.

And unlike those other home deliveries – there’s no additional cost for a HouseCalls visit, it’s a feature of your medical plan. If you’re in good health or you already see your doctor regularly – you might not think HouseCalls is for you, but it is. Think of it as an extra layer of care – valuable one-on-one time you don’t always get in the doctor’s office.

So, when you get a phone call from our HouseCalls team – take advantage of this great program and schedule your HouseCalls visit. Or just call us and make an appointment!

It’s Easy. It’s Convenient. It’s UnitedHealthcare HouseCalls.

What to expect during a HouseCalls visit

During a HouseCalls visit, you’ll meet with the same types of professionals you’d see in a doctor’s office — a licensed physician or nurse practitioner. They’ll answer your health-related questions, perform a physical exam and offer a health screening in the comfort of your own home. If you choose, your family members, loved ones or caregivers are welcome to sit in on this visit and ask additional questions. A typical visit will range from 45 minutes to a full hour.

The results of your exam and screening will be forwarded to your primary care provider (PCP) and you’ll receive a summary of your visit in the mail.

During your visit, here are some typical topics you'll cover

An overview of your medical history and prescription medications
Conversations about overall well-being, like how to help you stay active, sleep well and manage stress
Tips on to help you avoid trip hazards in your home
Community resources and support

Open the door to the convenience of a medical visit in your home

Meet with licensed medical staff on your schedule, in the convenience of your home. Once they arrive, talk about health concerns at your pace (the visits are focused on you and you alone). Use the results to help coordinate care with your doctor.

Be prepared to provide a urine sample during your visit—drink fluids in advance
Wear shoes or slippers that are easy to remove (your feet will be checked)
Know where to find medication bottles so they are ready to review
If applicable, have blood pressure readings available for review
If you have diabetes, please provide blood sugar test results, as well as your blood glucose meter

Remember, at the end of your visit, you’ll receive a personalized checklist of topics to discuss with your doctor at your next appointment. Plus, you and your doctor will receive a mailed summary of your visit.

Want more good news?

HouseCalls is included at no extra cost in most Medicare and Medicaid members as part of your health plan. 1 Schedule at a convenient time and we’ll come to you.

Call to request a visit 1-866-799-5895 , TTY 711 , Monday – Friday 8 a.m. – 8:30 p.m. ET

For medical emergencies, call 911.

My Doctor Online

Getting care from kaiser permanente at home.

LAST UPDATED: 5/18/20, 4:44 PM

We're following recommendations from public health authorities to ensure the health and safety of our patients, doctors, staff, and the community. We're shifting the way we deliver care while ensuring you get the medical care you need.

Complete an E-visit

If you have concerns about having possible COVID-19 symptoms, complete an E-visit . You'll get quick online advice and next steps from a clinician within 2 hours, 7 am to 7 pm daily. Currently, E-visits are available to members ages 18 and older.

Schedule a phone or video appointment

To support social distancing, we're recommending that all members reschedule routine in-person appointments. Please email your doctor or schedule a video or phone appointment if you have questions or a health concern.

To manage appointments:

Call our 24/7 Appointment and Advice Call Center at 866-454-8855 . Our doctors and nurses will provide guidance for your health concern and make recommendations for next steps. If an in-person visit is needed or recommended, we'll assist you.
Make or reschedule appointments online.

New to video visits? See how to get started .

If you have a new or worsening fever, cough, and/or shortness of breath, or think you've been exposed to the virus, call our 24/7 Appointment and Advice Call Center at 866-454-8855 so we can direct you to the appropriate care.

When to come in

Please don't come into our medical facilities unless directed by your doctor. This helps us limit exposure to COVID-19, while ensuring that patients needing essential in-person care can be seen by doctors. Social distancing is proven to reduce the spread of the virus and lessen the impact of the outbreak.

If you're instructed to come in, we recommend that all patients and essential caregivers wear a mask at our medical facilities, regardless of whether you have symptoms. If you don't have a cloth mask, we'll provide one. Because there's some risk that people who are infected with the virus don't know they have it, the Centers for Disease Control and Prevention (CDC) recommends everyone use a cloth face mask if they need to go out in public.

If you'd like to make your own cloth face covering for personal use, please see these instructions .

We have also begun temperature checks at the entrances to our facilities. If you have a fever, we'll ask you a few screening questions and either escort you to your appointment or ask you to contact your doctor by phone.

Review our visitor policy

Learn how to protect yourself at home.

Obtain a copy of your medical record

If you need a copy of your medical record for yourself or a family member, we can assist you. You can:

Download a summary copy that includes allergies, immunizations, ongoing health conditions, medications, test results, and some procedures.
Request to have a detailed copy sent to you through secure email within 10 days.

Download the My Doctor Online app

Manage your appointments, email your doctor, join video visits, and more right from our app.

App Store | Google Play

Refill prescriptions online or by phone

It's an especially good time to fill your prescriptions online or by phone and have them mailed to you. Your prescriptions will be mailed to you within 2 to 3 business days.

To order prescriptions:

Visit our pharmacy center online
Call 888-218-MAIL (6245)
Use our My Doctor Online app

For urgent prescriptions, visit your closest Kaiser Permanente Pharmacy. Instead of waiting in the pharmacy, you may sign up to be notified by text message when your medications are ready. Please call us before coming in to sign up for this service at 888-218-MAIL (6245) . You can also sign up at the pharmacy. You may opt out at any time.

If you have a cough, fever, and/or shortness of breath, please send a family member or friend to pick up your medications if possible.

Additional resources

CDC: Steps to Prevent Illness

Review more COVI D-19 basics

Find Urgent Care today

Find and book appointments for:.

Urgent Care
Pediatric Urgent Care
COVID Testing
COVID Vaccine

Price Transparency

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

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

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

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

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.

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
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There was a time when doctors treated patients in their own home. This old-fashioned care matched with new medical technology is here again. At HouseCall Primary Care, we serve homebound patients wherever home may be...a patient's house, a nursing home, or assisted living. Our team of providers stay with our patients wherever they go.

HouseCall Primary Care offers these general areas of specialty. Select one of the services below to learn more.

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House Call Doctor Visits Make Life Easier for Seniors and Caregivers

Important: This is an informational article to explain how house call doctor visits can benefit seniors. DailyCaring isn’t a medical organization, we aren’t medical professionals, and we aren’t affiliated with any healthcare organizations. We aren’t qualified to respond to any medical questions.

House call doctor visits benefit older adults and caregivers

Getting your older adult to the doctor’s office for an appointment can be difficult or sometimes impossible.

Whether they’re frail, can’t walk on their own, or have Alzheimer’s or dementia , getting out of the house is hard on both of you. Going to a doctor’s office can also expose seniors to germs or harsh weather.

We explain what a house call doctor is, what type of insurance they accept, how to find one, and what to look for in terms of services.

What is a house call doctor?

Today, many doctors are bringing back the old practice of visiting patients in their homes. With house calls, older adults don’t have to go through the stress and difficulty of getting to the doctor’s office. And neither do you.

Another bonus is that these doctors usually spend more time with patients. You won’t have to fit all your questions into a 15 minute visit.

Do they accept Medicare?

Yes, many house call doctors accept Medicare , private insurance, and sometimes Medicaid . It usually costs the same as a regular office visit.

But every house call doctor is different, so make sure you understand their fees and accepted insurance plans before making an appointment.

How to find a house call doctor

Some large health care systems like Kaiser Permanente or the VA have programs that include home visits by doctors and nurses. For example, Kaiser’s home-based palliative care program includes house calls.

Even your older adult isn’t part of a large health network, it’s worthwhile to ask your older adult’s doctor if they have home doctor visit programs.

The American Academy of Home Care Medicine’s provider directory is another way to locate a house call doctor in your area.

You can also use Google to search for “house call doctor” + your city or county or “home doctor visit” + your city or county (don’t include the quotation marks).

What to look for in a house call doctor

Before booking an appointment, make sure you understand the doctor’s services, fees, and billing.

Questions to ask:

Do you specialize in treating seniors, people with Alzheimer’s or dementia , or those with multiple chronic conditions ?
Do you accept Medicare , Medicaid , or my older adult’s private insurance plan?
If we want, can we also keep my older adult’s primary care doctor?
Will you communicate with my older adult’s existing doctors and specialists so their care is coordinated?

Examples of house call doctor private practices

We want to be clear that we’re not recommending any specific home doctor services or companies and aren’t affiliated with any of these businesses. These are examples to give you an idea of what a house call doctor looks like and the type of services that are typically offered.

Examples of what a house call doctor looks like:

Visiting Physicians Association (VPA)
Bay Area House Call Physicians
Kindred House Calls

Recommended for you:

4 Expert Tips for Managing Multiple Chronic Health Conditions in Seniors
7 Tips for Helping Seniors at the Doctor: Being a Health Advocate
Should Seniors See a Geriatrician?

By DailyCaring Editorial Team Image: Now It Counts

This article wasn’t sponsored and doesn’t contain affiliate links. For more information, see How We Make Money .

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18 comments, tony carrancho.

My parent s lives in [redacted for privacy]. How do i get started locating a house call doctor. I am pretty sure there insurance covers this. Thank you. TONY

DailyCaring

We hope the tips and suggestions in the article above will help you find a house call doctor in your parents’ local area.

Susan Quercio

My 95 year old father has a deep cough and he is disoriented. Temp 99 degrees.

Please contact your father’s doctor immediately or the local hospital to find out how to safely get him examined by a doctor (to reduce risk of exposure to Covid-19).

DailyCaring isn’t a medical organization, we aren’t medical professionals, and we aren’t affiliated with any healthcare organizations.

Ruby m VanNostern

I live in [redacted for privacy] and need a doctor visit in home.

This article includes suggestions for how you can find house call doctor services in your area. At DailyCaring, we aren’t doctors and don’t provide any medical services. We hope you’re able to find a great house call doctor in your area.

Stewart Goldman

need Doctor for a home visit Andrews N.C.

Joseph Artusa

I need a doctor

Linda Williams

I was released from the hospital on Thursday after 5 days.I am not able to go to Dr office but most definitely need to be checked.Still having breaking problems and am very week.I have severe asthma and blood pressure was running very high from so much steroids.Could I possibly get help.Thanks so much.

I’m so sorry to hear that you’re not feeling well. Since you’re noticing some issues with your recovery, it’s essential to call your primary doctor immediately. Since they’re the ones who have been treating you and are familiar with your recent hospitalization, they’re the best people to advise you on what you need. If you need help getting to your doctor’s office, you may want to contact your local Area Agency on Aging or a ride sharing service. Or, use the tips in this article to search for a doctor in your area who makes house calls.

Here are some articles that may be helpful: — 8 Ridesharing Services for Seniors https://dailycaring.com/8-ridesharing-services-for-seniors/ — 6 Affordable Senior Transportation Options https://dailycaring.com/6-affordable-senior-transportation-options/ — Local Community Resources for Seniors and Caregivers: Area Agency on Aging (to connect you with local organizations that may be able to help) https://dailycaring.com/local-community-resources-for-seniors-and-caregivers-area-agency-on-aging/ — 4 Ways to Know If Seniors Need to Return to the Hospital https://dailycaring.com/4-ways-to-know-if-seniors-need-to-return-to-the-hospital/

(DailyCaring doesn’t provide any services and isn’t affiliated with any medical providers.)

What areas do you service?

This article explains that house call doctor services are available and could help senior and caregivers. We also share suggestions for finding one in your area, but we do not provide any services ourselves. I hope you’re able to find a great local house call doctor!

What areas do you service

This article includes suggestions for finding house call doctor services in your area. We at DailyCaring aren’t doctors and don’t provide any medical services. I hope you’re able to find a great house call doctor in your area.

need a home care doctor

I hope the information above helps you find a great home care doctor in your area.

THREE INGREDIENTS FOR SUCCESS

A successful house call program requires three ingredients: patients, processes, and payments.

Patients . There is some flexibility in choosing which patients should receive home visits. Medicare has never required house call patients to meet the homebound definition that it requires for receiving skilled nursing and therapy services in the home. But until January 2019, Medicare required additional documentation of medical necessity for every home visit, describing why a house call was needed in “lieu of an office visit.” The 2019 Medicare Physician Fee Schedule Final Rule removed this requirement as of Jan. 1, 2019.

Still, most house call programs focus on complex patients who have difficulty getting to the office. Some practices use data analytics to identify and target high-risk patients. Common candidates for HBPC include the following:

Frail older adults with multiple (often five or more) chronic conditions and deficiencies in activities of daily living (ADL).

Younger homebound patients, usually with one principal neuromuscular condition such as multiple sclerosis, amyotrophic lateral sclerosis, or cervical spine injuries (some on ventilators).

Patients with high-risk diagnoses like congestive heart failure and chronic obstructive pulmonary disease.

Patients with high hospital and emergency department (ED) utilization in the past six to 12 months.

Patients with hierarchical condition category (HCC) scores greater than 2.0.

Another group well-suited for HBPC is post-acute, transitional care management (TCM) patients. During the high-risk transition period, these patients benefit from a short course of HBPC that reduces complications and readmissions. Payments for TCM (CPT codes 99495 and 99496) have increased more than 20% over the past two years. CMS has also unbundled virtually all care management services that previously were not billable within the 30-day TCM period. These include chronic care management, care plan oversight for home health and hospice services, face-to-face and non-face-to-face prolonged services, and more when reasonable and necessary. Numerous hospitals are partnering with HBPC programs to reduce their readmission rates.

Logistical considerations for choosing house call patients include the following:

Geography: A geographic radius should be determined for home visits based on driving time (e.g., no more than 20 minutes from the physician's office or home). Telehealth, at least while it is allowed under the PHE, is an excellent way to provide care for more distant patients.

Established vs. new house call patients: Some practices may decide to limit house calls to established patients. But if you desire to grow a house call practice, the largest referral source tends to be home health agencies, followed by hospital and rehabilitation discharge planners, social services, and word of mouth.

Place of service: Practices may offer house calls to patients at home or in domiciliary settings (e.g., assisted living facilities or group homes). There are economies of scale in domiciliary care because you can see multiple patients in the same location on the same day, and the payments are roughly the same as home visits.

Capacity: A good way to start is with a half day or one full day of house calls per week, and then increase that time as volume demands.

Operational processes . Practices will need to address operational issues such as scheduling, visit preparation, staffing, supply management, and safety.

Efficient scheduling is critical to reduce travel time, and can be achieved through the following steps:

Schedule patients in close proximity. This is facilitated by assigning days to specific geographic areas and using mapping/routing software.

Map and route patients one to two days before the visit, notify patients or caregivers of the approximate visit time (usually providing a two- to four-hour window or simply indicating morning or afternoon), and verify the address (sometimes the address on file is for mailing the bill and is not the patient's physical location).

Use electronic health record flags/alerts for travel notes, communication preferences, and patient preferences. Special visit instructions should be noted on the schedule (e.g., “call daughter ahead,” “go in back door,” or “dogs need to be secured”).

Call when en route to the visit so the patient is ready and has medication out.

Give patients follow-up timeframes (e.g., four to six weeks or two to three months) instead of exact dates to allow the schedule to be fluid, to facilitate scheduling patients within the same geographic area, and to enable last-minute schedule changes based on patient acuity.

Make sure that clerical tasks are done before the visit, including obtaining signed forms and medical records (e.g., HIPAA forms, consent for treatment, or medical history forms) when possible.

Staffing considerations include the following:

Medical assistant (MA) support: Many physicians choose to do house calls solo, mainly because of the cost of including an MA. But having an MA route and drive saves the physician significant time and allows charting and phone calls while in transit. During the house call, the MA can check vitals, do immunizations, draw blood, assist with medication reconciliation and refills, get forms signed, review gaps in care, do assessments (such as PHQ-2/9, Mini-Cog, nutritional, and safety surveys), assist with wound care, help with orders (e.g., durable medical equipment, home health, and hospice), and increase safety. Making one extra house call a day covers the MA's cost, and the time savings more than allow for that one extra call.

Advanced practice provider visits: Nurse practitioner and physician assistant house calls have dramatically increased over the past decade; they are now the largest provider group making house calls. This is a cost-effective model with good outcomes, when provided with physician support.

Supply management involves keeping track of what supplies are used and restocking at the end of the day. Unlike in the office, you cannot walk down the hall to a storage closet if you run out of something during a home visit. Ensure equipment is sanitized and charged. Have a container in the car for standard supplies that are not damaged by temperature extremes (e.g., wound care items). Review schedules in advance to identify any special supply needs (e.g., a cooler for storing and transporting drawn labs).

Safety concerns include higher crime areas and homes with potentially dangerous patients, caregivers, or pets. Safety and emergency plans should include the following:

Handling car accidents and other incidents such as falls with injuries, needle-sticks, etc.

Handling pets in the home. Some HBPC programs require pets be caged during visits. Others leave it to the discretion of the pet owner and the physician.

Sitting on a hard surface chair to avoid unseen soiling, bedbugs, etc.

Washing or sanitizing hands before, during, and after the visit.

Noting safety issues on the schedule, including a history of multi-resistant organisms, bed bugs, or firearms (which should always be locked). During the PHE, conduct COVID-19 screening questions when notifying the patient of the appointment time and again when en route to the patient's home.

Seeing patients in higher crime areas during daylight hours. There is debate among HBPC clinicians about wearing clothing that identifies them as health care workers, such as a lab jacket. Some think it's better to avoid drawing attention to themselves. Others believe it is good for people to know they are there to provide care. Determine which is more comfortable for you.

Turning on smartphone location service apps, which enable the office to know the physician's location and allow the physician to quickly call in an emergency through a simple touch or verbal command.

Planning for inclement weather or natural disasters. Patients may need to be rescheduled.

Exiting the premises if the physician feels unsafe. Consider having a code word to alert staff if you need assistance.

Clinical processes . The Institute for Healthcare Improvement's Age-Friendly Health Systems' "4Ms" framework is an excellent approach to complex house call patients. The 4Ms are what matters , medication , mentation , and mobility. What matters is determined through conversations with patients about their goals of care, leading to advance directives. The home is an ideal setting to have these conversations. It is also the best place to reconcile and optimize medications , which often includes deprescribing in frail older adults. Mentation refers to diagnosing and managing dementia, depression, and delirium. Mobility focuses on ADLs, maintaining function, gait, safety, and independence. (See “ Common assessments in HBPC .”)

A house call's main clinical difference is that the exam room is in the patient's home. This requires bringing the office to the patient. The table below shows the modern-day “black bag.” The supply list will vary somewhat depending on what the physician is comfortable doing in the home. The home also provides tremendous information about the patient, including diet, safety (are there grab bars, fall hazards, etc.), social determinants of health, and what matters to the patient (pictures, religious objects, etc.). It is important to be culturally sensitive in patients' homes, which is best accomplished by asking about patient and caregiver preferences.

It is wise to review charts the day before the home visit to see if fasting blood work or any unique supplies are needed, such as injections, immunizations, or gastrostomy tubes. It also helps to review charts for complex, new, and TCM patients ahead of the visit and start pre-charting. Extensive prep time (more than 30 minutes) can be billed using CPT codes for prolonged evaluation and management (E/M) services. (See “ Commonly used CPT codes in home-based primary care .”)

House call practices commonly have 20% to 25% mortality rates, so it is critical to discuss goals of care such as the patient's desired medical decision-maker if needed, level of hospital care, cardiopulmonary resuscitation (CPR), and end-of-life wishes (e.g., desired place of death, hospice services, and funeral arrangements). These advance care planning (ACP) discussions can be billed with CPT code 99497 if a minimum of 16 minutes is spent and the patient consents to the conversation voluntarily (be sure to note this in your documentation). These discussions often take place over several visits, and there is no limit on how often ACP can be billed. Copays are waived for ACP done during annual wellness visits, but co-pays will apply if performed with another service.

House call patients are best served by an interdisciplinary team providing a range of services, often virtually, including the following:

Ancillary service providers (mobile X-ray, ultrasound, and phlebotomy).

Home health and hospice (Medicare pays physicians for the certification and recertification of home health and care plan oversight if they spend 30 minutes in a calendar month overseeing home health or hospice).

Care coordination departments (such as ED or hospital discharge planning).

Durable medical equipment companies.

Community organizations (Area Agencies on Aging can assist with Meals on Wheels, utilities, home maintenance, etc.; other community organizations may provide behavioral health, private duty, or respite care; and websites such as findhelp.org by Aunt Bertha list resources by ZIP code).

Other professionals making house calls (audiologists, dentists, optometrists, podiatrists, etc.).

PAYMENT FOR HOUSE CALLS

Medicare fee-for-service (FFS) payments fund most house call programs. The 2021 changes in office outpatient E/M documentation requirements do not apply to home or domiciliary visit codes, so you are still required to use the 1995 or 1997 E/M documentation guidelines for these visits. Billing by time still requires that more than 50% of the visit be spent in counseling and/or coordination of care. (See “ Home and domiciliary E/M codes and payment rates .”) Other commonly used CPT codes in HBPC and their payment rates are listed in the table above. Most of these CPT codes are new in the past decade.

Value-based care (VBC) payments are fueling the growth of house calls. Payments can vary, from shared savings with only upside potential and no downside risk, to global capitation with full risk for all patient care. Three things are essential for success: 1) capturing risk scores for accurate payment, 2) improving quality and the patient experience and closing gaps in care, and 3) lowering costs principally by reducing acute care utilization. House calls do all three exceedingly well and lower acute-care usage more than any other intervention. For family practices involved in Accountable Care Organizations or other forms of VBC, house calls can significantly contribute to the bottom line.

American Academy of Family Physicians Home-based Primary Care Member Interest Group (AAFP members only)

Rerucha CM, Salinas R, Shook J, Duane M. House calls . Am Fam Physician . 2020;102(4):211–220.

Home Centered Care Institute

HCCIntelligence™ Resource Center

American Academy of Home Care Medicine

Cornwell T. House calls are reaching the tipping point — now we need the workforce. J Patient Cent Res Rev . 2019;6(3):188-191.

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Expert Doctor Visit at Home.

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Apollo HomeCare’s doctor home visit service provides expert care for you and your family that encompasses day-to-day healthcare needs as well as long term assistance.

Regular health check ups are always recommended to keep a check and maintain the best of health. Our online doctor consultation ensures you and your family members are always in the pink of health. Discover the convenience of our “Doctor at Home” service. We aim to provide doctor home visit services in Hyderabad, Bangalore, Kolkata, Chennai, Delhi, and other cities. Our team of dedicated doctors is just a call away, providing quality healthcare in the familiar surroundings of your home.

Our Doctor at Home Service Encompasses :

Expert medical consultation & supervision
Personalised healthcare for you and your family
Nurse and physician visits whenever required

Benefits of Doctor Consultation at Home:

Reduced health hazards
Undivided attention from care providers
Convenience for patients & families

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Preventive care starts here

Aetna® Healthy Home Visits gives you access to preventive care at no added cost — it’s already included in your plan.

Schedule your visit

How does a Healthy Home Visit benefit you?

You deserve even more ways to find and prevent health conditions than just your physical exam. That’s why your plan includes a yearly in-home health visit from a licensed clinician. They’ll help address your overall health needs. And, it’s all from the comfort of your home.

To get you preventive care in home, we work with the experienced team at Signify Health®. They’ll answer all your health questions. And share a visit summary with your doctor to keep them in the loop.

Hear from one member, Nancy* , about how a Healthy Home Visit found a blood flow issue — and alerted her doctor to get her the care she needed.

Transcript: Nancy Baton, Aetna Medicare Advantage Member

Hi, my name is Nancy Baton. I am a retired high school principal and middle school principal. And I am truly enjoying my retirement.

I live with my husband, and I’ve been married to Bill for, it’ll be 38 years this summer. We have two children, grown children, and I have 5 grandsons.

When it came time for me to enroll in Medicare, I wanted the one with the least amount of hassles. And I had been told what a great health plan Aetna has. That’s why I chose Aetna and I’m very happy I did.

Every year Aetna offers the opportunity for a Healthy Home Visit. The nice part about the HHV is I don’t go anywhere. The nurse comes here to me. So I’m comfortable in my own environment. I don’t have to leave the house. And It’s just nice to have somebody come to you for a change.

It was a registered nurse and she spent about an hour and a half. Goes over my medications. Checks my blood pressure. And then said to me she thought I have a problem with circulation. So she did a test on me and my doctor called me and said you need to see a vascular surgeon. And I’m under his care. Now I never would have caught something that could be potentially very dangerous had that nurse not come to my home.

Having the support of Aetna and not having to worry about bills or paperwork or is this covered. I didn’t have any of that. All I do now is concentrate on my recovery.

If you’re not healthy, you’re not going anywhere. So Aetna has helped me stay on track.

{On screen}

This is a true member story and is not a paid endorsement.

{On screen end card}

To learn more, go to AetnaMedicare.com/prevent or contact Aetna® Member Services

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See Evidence of Coverage for a complete description of plan benefits, exclusions, limitations and conditions of coverage. Plan features and availability may vary by service area

Y0001_NR_37436_2024_C

What should I expect from my visit?

Before your visit

Once you schedule your Healthy Home Visit through Signify Health, you’ll get a confirmation for your appointment. You’ll also get an email, text or call reminder 24 hours before your visit. If we don’t hear from you to set up your appointment, a member of the Signify Health team will reach out to help schedule your visit.

During your visit

On the day of your visit, a nurse will spend up to an hour with you in your home. They’ll answer health questions, address any concerns and more. This includes:

Checking vital signs and reflexes
Reviewing medical history
Going over medications
Checking breathing, eyes or feet
Perform preventive screenings

After your visit

A summary of the visit will be shared directly with you and your doctor. Should anything with immediate concern come up, we help coordinate the care you need.

Prefer a virtual visit? You can also schedule a telehealth appointment .

Get your visit on the calendar

Schedule your visit online.

Select the date and time that works best for you with Signify Health’s secure, easy-to-use scheduler. (Have your ID card ready — your form will need to match exactly what’s on your insurance card.)

Speak with Signify Health directly

Sometimes, talking to a real person is easier. To schedule by phone, call 1-855-746-8709 ${tty} Monday – Friday, 9AM to 8PM ET. If we don’t hear from you, someone from the Signify Health team will reach out to help schedule your visit.

Still have questions?

Learn more about what to expect from Signify Health.

Visit Signify Health for more info

Aetna and Signify Health are part of the CVS Health® family of companies.

See Evidence of Coverage for a complete description of plan benefits, exclusions, limitations and conditions of coverage. Plan features and availability may vary by service area. Other Physicians/Providers are available in our network. Participating health care providers are independent contractors and are neither agents nor employees of Aetna. The availability of any particular provider cannot be guaranteed, and provider network composition is subject to change.

Call 1-855-746-8709 ${tty} Monday to Friday, 9 AM to 8 PM ET

*For Healthy Home Visit video

Nancy is a real member and her story is based on real experiences.

Also of interest:

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Resources For Living is not available for members with Aetna Part D (prescription only) plans, Dual Eligible Special Needs Plans (D-SNPs), Institutional Special Needs Plans (I-SNPs) or Medicare Supplement plans.

*For member example stories

These examples are based on the actual experiences of members who have used Resources For Living. We’ve changed their names and some details to help protect their identities.

Doctor Home Visit

Long before COVID-19 popularised the concept of house call doctors and telemedicine, our house call doctor services (or locally known as Doctor Home Visit) have always been a core part of Speedoc’s care. Today, we’ve optimised our doctor home visits to ensure convenient access to quality health care at your fingertips.

Our team will contact you shortly to confirm your request.

What Is A Doctor Home Visit?

House call doctors, or doctors on call, are just like doctors you consult at your neighbourhood clinic – except you speak to them from the comforts of your home. Our house call doctors go to where you are, instead of you having to spend hours waiting at A&E or your nearest clinic.

What Is A House Call Doctor (Doctor Home Visit) Consultation In Singapore Like?

At Speedoc, a doctor consultation is similar to the ones you would undergo at your regular neighbourhood clinic. Upon arrival, our house call doctor will ask about your symptoms, run tests, and diagnose your condition. He may also perform laboratory investigations, if necessary. If medications are required, the attending doctor will prescribe and dispense them to you during the visit or have them delivered within 3 hours after the consultation. If a medical certificate is required, the attending doctor will also be able to provide you with one. *Medication may only be delivered the next day for consultations that occur after 9pm

Why Patients Love House Call Doctors

All our doctors are licensed with the Singapore Medical Council, subjected to extensive background checks

Get connected to a doctor as soon as possible and receive your medications at your doorstep after the home visit

We work with the government and official insurance companies to ensure that you are able to conveniently access medical care

AT YOUR FINGERTIPS

How do i book a house call doctor.

On the Speedoc app, select 'Book a Doctor', enter your details and confirm the request

Your doctor arrives at your doorstep to attend to you and prescribe treatment accordingly

Follow-up with your doctor via our in-app chat if needed

How Much Does A House Call Doctor In Singapore Cost?

A 30-minute consultation for one person starts from $327 (inclusive of GST)*. This includes the doctor’s transportation fees but does not include medication. If you require medication, it can be provided at an additional cost. During the same visit, other family members can be seen at $272.50 (inclusive of GST) per person. It is best to let our house call doctors know early about other patients they might have to see, so that they can come prepared with all the medications that might be needed.

*In-app pricing is available for doctor home visit services booked on the Speedoc app.

How Do I Book A House Call Doctor For A Doctor Home Visit?

Our house call doctors are available 24 hours, 7 days a week, including public holidays. Step 1: Download Speedoc app Step 2: Select Doctor Home Visit Step 3: Select date and time, add your symptoms, and proceed to BOOK

To make a booking, download the Speedoc app and we will do our best to connect you with the next available house call doctor. We are currently able to accommodate urgent enquiries and same-day appointments. However, if you have a life-threatening condition or are experiencing the following, please dial 995 or visit the A&E:

Head trauma
Broken bones
Severe burns
Large open wounds
Severe blood loss
Shortness of breath

If you need to cancel or reschedule your appointment, you may call +65 6909 7799 . Do note that a cancellation fee may be charged for last minute cancellations.

Download The Speedoc App

The Speedoc app is your one-stop platform to manage your appointments, access your medical records, track your bills, and follow-up with your doctor whenever you need to! More about our health programmes and packages are also available. Download the app here !

Frequently Asked Questions

With Speedoc’s house call doctors, patients can skip the queues in A&E, clinics or hospitals and have the flexibility to get personalized care at their own time and place, 24 hours.

All of the Speedoc house call doctors are Singapore-licensed and registered with the Singapore Medical Council (SMC).

You can cancel your appointment. However, there may be cancellation fees charged to your account.

To cancel or reschedule, please contact our Patient Care Team at our 24-hours hotline +65 6909 7799 .

Our Singapore-licensed house call doctors can treatment common illnesses from flu & pneumonia, gastrointestinal conditions, headaches and migraines, minor skin conditions, eye and ear discomfort, wound care and management, women’s and men’s health to issuing Lasting Power of Attorney (LPA), Advance Medical Directive (AMD) and Certificate of Cause of Death (CCOD). We can also support patients with chronic conditions management and treatment, perform simple surgical procedures, all in the comfort of your home.

Do contact our Patient Care Team at +65 6909 7799 or [email protected] and let us know as much about your conditions and symptoms and we will do our best to connect you with the most suitable house call doctor.

Note: if you have a life-threatening condition please visit A&E or dial 995.

If you have specific language preferences, please let our Patient Care Team know in advance prior to booking. We may be able to connect you with the appropriate house call doctors based on this preference.

To respect the privacy and confidentiality of both our patients and staff, capturing of photographs or the recording of video and audio is strictly prohibited during the appointment.

Our house call doctors and call centres are available 24 hours, 7 days a week, including public holidays. Call us at +65 6909 7799 to book a same-day appointment with our Singapore-licensed doctors.

Once your request for a house call doctor has been confirmed by our Patient Care Team (PCT), we can connect you with a suitable house call doctor as fast as within 1 hour during working hours and 3 hours outside of working hours, anywhere in Singapore.

For urgent enquiries for a house call doctor, please call our Patient Care Team at +65 6909 7799 or email us at [email protected].

We also have a mobile app that can be downloaded here where all of your medical records from each treatment will be recorded.

Our house call doctor service starts from $327.00 and $403.30 (inclusive of GST) for visits between 08:00 to 19:59 and 20:00 to 07:59 respectively. This includes a 30-minute home-based assessment per patient. The fee includes Speedoc's house call doctors' transportation and medicine delivery with 3 hours* post-visit. Do note the doctor home visit fee does not include prescribed medicines and other consumables.

Every additional patient/family member who may require a doctor's assessment during the same visit will be chargeable at $272.50 and $348.80 (inclusive of GST) between 08:00 to 19:59 and 20:00 to 07:59 respectively.

Please note that a $108.00 surcharge may apply for visits that extend beyond 45 mins.

In-app pricing is available for doctor home visit services booked on the Speedoc app.

*Medication may only be delivered the next day for consultations that occur after 21:00 in the evening.

Absolutely, please raise this during the doctor’s home visit. Our house call doctor will determine if an MC is clinically appropriate and prepare everything for you.

Need A Doctor Now?

Have A Passion To Provide? Join us!

If you are a qualified doctor or nurse, part of a certified ambulance company, or a healthcare provider looking for a partner to help deliver quality medical services, we welcome you to join our growing family of Speedoc providers.

Prices reflected are accurate as at the time of writing. Please contact us for the most up-to-date pricing.

Doctor Home Visits

Highly trained gps and consultants delivered at your doorstep, doctor home visits – gps & consultants, with the best uk leading doctors, our doctors come to you: home, office or hotel, prompt, trusted, high-touch, effortless, instant booking, book your home visit today:, doctor home visit service details:.

Medelit’s Doctors provide bespoke and tailored medical assistance directly in the comfort of your home, hotel or office in the UK . doctor home visit

Medelit stands as a unique, high-caliber service , offering you a meticulously curated team of highly experienced independent healthcare professionals for all your medical needs. Our patient-centered approach ensures that when one of our esteemed doctors recommends additional procedures—be it blood tests, physiotherapy, IV administration, or any other specialized intervention—we take care of organizing these premium services in the comfort of your home, and through one, trusted service.

We do not require any membership and you do not need to be a VIP to access our services. Whether you need a one-time consultation or ongoing assistance, our doors are always open, and our private Doctors will provide you with the best standards of care. You have the flexibility to book any home visit at your convenience, ensuring that quality healthcare is readily available whenever you require it, without any prior or hidden fees. This approach is part of our commitment to providing immediate access to top-tier medical professionals to anyone in need. doctor home visit london

If you’re unable to visit a clinic or simply prefer the comfort and privacy of your home, Medelit’s Doctor home visit service is here for you. Convenient and flexible, we bring quality medical care to your doorstep, ensuring you receive the attention you need, right where you need it. Book your Doctor’s home visit with Medelit at your convenience for healthcare that fits your lifestyle. ho

Our Doctors’ medical services include General Practice , Specialistic Medicine , and Alternative Medicine , delivered at home as well as in your hotel room or office. Moreover, all Medelit’s Doctors are also available for Video Medical Consultations , and therefore promptly accessible no matter where you are, from your mobile, tablet or computer, within few minutes.

Our highly qualified private GPs and Consultants can provide prompt and highly specialized onsite medical assistance 7/7, all year round*. We have an ongoing commitment to ensuring the highest standards of expertise within our medical network. As a matter of fact, our Doctors work in the best Hospitals and Clinics in the UK and are renowned for their academic and clinical excellence within their field of practice.

You can check availabilities and fees at your address, and book a Doctor Home Visit at your address directly through our website through our easy online booking system.

*Please be aware that our Doctors are not equipped to handle emergencies and cannot replace the services of an Accident & Emergency department (A&E). If you are experiencing a medical emergency, it is essential you seek immediate assistance from your nearest A&E facility.

Medical Services Available with Medelit:

General Practice & Family Care

General Practice and Family Care at Home

Consultants

Specialist Consultant Medicine at Home

Alternative Medicine

Alternative & Complementary Medicine at Home

Online Doctor Consultations

Online Video Medical Consultations

Your Trusted and Expert Service to Book a Doctor Home Visit

Providing Bespoke Medical Assistance with a Team of the Best independent GPs and Consultants, visiting Directly in Your Home, Office or Hotel room.

About our Home Visiting Doctors Doctor Home visit

The doctors who visit you either at home or online have joined Medelit due to their extensive experience and expertise. However, they’ve also chosen to be part of a project where the primary focus is on quality and the doctor-patient relationship. All our Private home visiting Doctors are:

Fully registered
Vetted with a full background check, reference check and interview with our managing Doctors
Selected for their highest levels of experience and qualifications.

We are an introductory service. The GPs and Consultants that provide home visits with us all also work within or in collaboration with the most important Clinics and Hospitals in the UK. This ensures the possibility of organising referrals and coordinating care also for those patients who, for example, need assistance before or after a surgery.

After the Visit private doctor home visit in london

Once the home or Online visit has been performed, you will receive a complete report.

Following your initial appointment, Medelit offers the convenience of continued care with the same doctor. Additionally, we provide access to a range of seamless healthcare services to complement your doctor’s visit. These include home blood tests , nurse home visits , prescription renewals, and scheduled checkups, ensuring comprehensive and hassle-free healthcare at your doorstep.

Advantages:

Sit back and relax. our doctors come to you, leading doctors with world class expertise, best care in the friendliest of terms, all the time you need, all year round, one trusted healthcare service for all your needs.

Nursing Services

Home Visiting Nurses

Podiatry Home Visits

Physiotherapy

Physiotherapy Home Visit

Speech Therapy

Speech Therapy Home & Online Visits

Psychology Home & Online Visits

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What Part B covers

If you're in a Medicare Advantage Plan or other Medicare plan, your plan may have different rules. But, your plan must give you at least the same coverage as Original Medicare. Some services may only be covered in certain facilities or for patients with certain conditions.

What's covered?

NEW INSULIN BENEFIT! If you use an insulin pump that's covered under Part B's durable medical equipment benefit, or you get your covered insulin through a Medicare Advantage Plan, your cost for a month's supply of Part B-covered insulin for your pump can't be more than $35. The Part B deductible won't apply. If you get a 3-month supply of Part B-covered insulin, your costs can't be more than $35 for each month's supply. This means you'll generally pay no more than $105 for a 3-month supply of covered insulin. If you have Part B and Medicare Supplement Insurance ( Medigap ) that pays your Part B coinsurance, you plan should cover the $35 (or less) cost for insulin.

Part B covers 2 types of services

Medically necessary services: Services or supplies that are needed to diagnose or treat your medical condition and that meet accepted standards of medical practice.
Preventive services : Health care to prevent illness (like the flu) or detect it at an early stage, when treatment is most likely to work best.

You pay nothing for most preventive services if you get the services from a health care provider who accepts assignment .

Part B covers things like:

Clinical research
Ambulance services
Durable medical equipment (DME)
Partial hospitalization
Intensive outpatient program services (starting January 1, 2024)
Limited outpatient prescription drugs

2 ways to find out if Medicare covers what you need

Talk to your doctor or other health care provider about why you need certain services or supplies. Ask if Medicare will cover them. You may need something that's usually covered but your provider thinks that Medicare won't cover it in your situation. If so, you'll have to read and sign a notice . The notice says that you may have to pay for the item, service, or supply.
Find out if Medicare covers your item, service, or supply .

Medicare coverage is based on 3 main factors

Federal and state laws.
National coverage decisions made by Medicare about whether something is covered.
Local coverage decisions made by companies in each state that process claims for Medicare. These companies decide whether something is medically necessary and should be covered in their area.

The independent source for health policy research, polling, and news.

Health Care Costs and Affordability

Published: May 28, 2024

KFF Authors:

Cynthia Cox

Jared Ortaliza

Krutika Amin

Cynthia Cox , Jared Ortaliza , Emma Wager and Krutika Amin

Introduction.

Health care costs in the United States have generally grown faster than inflation . The U.S. far exceeds other large and wealthy nations in per capita health spending , and health care represents a much larger share of the economy in the U.S. than in peer nations. Elevated health care expenditure in the U.S., however, does not consistently translate into superior health outcomes. Rising health care costs contribute to many people facing difficulties affording medical care and drugs, even among those with insurance. Despite substantial spending, the U.S. health system grapples with disparities and gaps in coverage.

How Has U.S. Health Care Spending Changed Over Time?

Many people are familiar with the high and rising cost of health care in the United States from seeing how much they spend on their own health insurance premiums and out-of-pocket costs. In addition to these obvious health costs, there are also tax dollars that go to fund public programs and the amounts employers spend toward their employees’ health insurance premiums. Total national health expenditures include spending by both public programs and private health plans, as well as out-of-pocket health spending. Total health expenditures represent the amount spent on health care (such as doctor visits, hospital stays, and prescription drugs) and related activities (such as insurer overhead and profits, health research and infrastructure, and public health).

Total Health Spending Reached $4.5 Trillion in 2022

Health spending in the U.S. has risen sharply over the last several decades. The official data on national health expenditures from the Centers for Medicare and Medicaid Services (CMS) show health spending totaled $74.1 billion in 1970. By 2000, health expenditures had reached about $1.4 trillion; in 2022, the amount spent on health tripled to $4.5 trillion. In the first year of the COVID-19 pandemic, health spending accelerated by 10.6% in 2020, even as the use of health care dropped, driven largely by public health spending and financial relief provided to health care providers. Health spending grew modestly from 2021 to 2022, by 4.1%, slightly faster than the 3.2% increase from 2020 to 2021.

In Figure 1, spending is shown in terms of both nominal dollar values (not inflation-adjusted) and constant 2022 dollars (inflation-adjusted based on the personal consumption expenditures, or PCE, index). Inflation in the rest of the economy increased faster than in the health sector in 2022.

Currently, health care represents about 17% of the U.S. economy (measured as a share of gross domestic product, or GDP). In other words, almost 1 out of every 5 dollars spent in the U.S. goes toward health care. Back in 1960, health spending represented just 5% of GDP, meaning 1 in every 20 dollars in the U.S. economy was spent on health care.

Out-of-pocket costs have also risen over time. Out-of-pocket costs represent the amount of money spent by individuals on health care that is not paid for by a health insurance plan or public program like Medicare or Medicaid. This can include cost-sharing (i.e. copays, deductibles, coinsurance), as well as health spending by uninsured people or spending by insured people for care that is not covered at all by health insurance. Out-of-pocket spending does not include the amount spent on a person’s monthly health insurance premium.

Out-of-pocket spending per person was $115 in 1970 (or, adjusted for inflation, $677). By 2022, out-of-pocket spending had reached $1,425 per person. Despite this rise in out-of-pocket spending, health insurance now covers a larger share of total health spending (72%) than it did in 1970 (42%), in part because more people have gained coverage, especially public coverage, but also because health insurance spending per enrollee has grown.

What Factors Contribute to U.S. Health Care Spending?

Over the last several decades, health spending has been driven higher by a number of factors , including but not limited to an aging population, rising rates of chronic conditions, advancements in medicine and new technologies, higher prices, and expansions of health insurance coverage. While there are always differences across countries, many of these factors driving health costs upward in the U.S. are also driving health costs growth in peer nations. For example, while the U.S. population is indeed aging and that is driving health costs up, many large and wealthy nations have even more rapidly aging populations .

Other factors may explain the United States' relatively high health spending compared to its peers. The U.S. health system is fragmented, with many private and public payers, and the regulation of these payers is split between states and the federal government. However, these features are not unique to the U.S., either. Indeed, some other countries with much lower health spending have multiple private payers or differences in public programs across states or provinces. The U.S. is also not alone in having a mainly fee-for-service payment system.

The U.S. health insurance system is largely voluntary, whereas peer countries’ health systems are almost entirely compulsory. Additionally, the U.S. federal and state governments have generally done less to directly regulate or negotiate prices paid for medical services or prescription drugs than have governments of similarly large and wealthy nations. The U.S. often pays higher prices for the same brand-name prescription drugs , hospital procedures , and physician care than similarly large and wealthy countries.

There are other factors, largely outside the control of the health system, that also are likely at play, such as socioeconomic conditions (like income inequality and other social determinants of health ), and differences in so-called lifestyle factors (like diet, drug use, or physical activity) that could contribute both to higher spending and worse outcomes.

Breaking total national health spending into its components can reveal the major drivers of health costs and where cost containment efforts could be most effective. The charts below show various ways of examining the key contributors of health spending. For example, the National Health Expenditure Accounts show trends in how health spending varies by type of service (e.g. hospital care vs. retail prescription drugs) or by source of funds (e.g. private health plans vs. public programs). An alternative and relatively new approach to understanding health spending is to break out total health spending into the share that goes to treat certain diseases (e.g. heart disease, cancer). Finally, health spending can also be better understood by looking at price trends (e.g. the dollar amount for a hospital stay) and utilization (e.g. the number of hospital stays).

Hospital and Physician Services Represent Half of Total Health Spending

Most health spending in the U.S. and peer countries is on hospital and physician care, followed by prescription drugs. In the U.S., hospital spending represented nearly a third (30.4%) of overall health spending in 2022, and physicians/clinics represented 19.8% of total spending. In comparison to other large and wealthy countries, the U.S.’s higher spending on inpatient and outpatient care explains the vast majority of higher spending on health care overall.

Spending Has Grown for Hospitals, Physicians, and Drugs

During the 1970s, growth in hospital expenditures outpaced other services, while prescriptions and physicians/clinics saw faster spending growth during the 1980s and 1990s. From 2020 to 2022, retail prescription drugs experienced the fastest growth in spending at 7.6%, following 3.3% average annual growth from 2010 to 2020. Average spending growth for hospitals and physicians/clinics between 2020 and 2022 was 3.4% and 4.0%, respectively.

On a Per-Enrollee Basis, Private Insurance Spending Has Typically Grown Much Faster Than Medicare and Medicaid Spending

Per-enrollee spending by private insurance grew by 61.6% from 2008 to 2022 – much faster than both Medicare and Medicaid spending growth per enrollee (40.8% and 21.7%, respectively). Generally speaking, private insurance pays higher prices for health care than Medicare and Medicaid.

Per-enrollee spending for Medicaid rose by 2.2% in 2022 from the previous year and also continued to increase in private insurance and Medicare (4.3% and 3.8% respectively). Medicare and private insurance per enrollee spending continued to grow faster in 2021 and 2022 after slower growth in 2020. Medicaid per-enrollee spending previously declined in 2021 as total enrollment grew, particularly among children and non-elderly adults, who generally have lower per-enrollee spending.

A Substantial Share of Health Spending Goes Toward the Treatment of Circulatory and Musculoskeletal Conditions

An alternative way to examine the components of health spending is to use the Bureau of Economic Analysis (BEA)’s Health Care Satellite Account , which estimates spending and price growth by disease category (e.g. cancer, infectious disease). This approach differs from the official categorization of health spending by service type (e.g. provider services). Essentially, the new satellite account redefines the “commodity” in health care as the treatment for specific diseases rather than a hospital stay or a physician visit. BEA researchers found that the largest categories of medical services spending include the treatment of circulatory diseases (10.4% of health spending in 2021), musculoskeletal conditions (9.4%) and infectious diseases (9.0%). Another large share of health spending (15.1%) is for “ill-defined conditions,” which can include routine check-ups and follow-up care that is not easily designated for a particular illness.

Health Spending is a Function of Prices and Use

Health services spending is generally a function of prices (e.g. the dollar amount charged for a hospital stay) and utilization (e.g. the number of hospital stays).

People and health plans in the U.S. often pay higher prices for the same prescription drugs or hospital procedures than those in other large and wealthy nations. Meanwhile, there is not much evidence that people in the U.S. use more health care. In fact, Americans generally have shorter average hospital stays and fewer physician visits per capita. Therefore, a large part of the difference in health spending between the U.S. and its peers can be explained by higher prices, more so than higher utilization.

Nonetheless, over time within the U.S., prices and utilization have driven health cost growth to varying degrees. In the 1980s and early 1990s, growth in health care prices far exceeded growth in use. Faster growth in health prices in the U.S. during this time drove the divergence in per capita health spending between the U.S. and other large, wealthy OECD countries. While U.S. health care prices have grown more moderately in recent decades, health services prices continue to exceed what other countries pay.

More recently, the COVID-19 pandemic has led to fluctuations in health care use . Early in the pandemic, many health services, such as elective surgeries, were postponed or canceled and many people elected not to get care to avoid infections at health care sites. In 2021, health services use increased by 8.6%. This increase in health care use in 2021 followed a sharp decrease in health utilization in 2020. Health care prices increased moderately in 2021 by 2.9%. A rebound in utilization and labor pressures are expected to put upward pressure on prices in recent years.

How Does Health Care Spending Vary Across the Population?

A small portion of the population accounts for a large share of health spending in a given year. Although we tend to focus on averages, few people spend around the average since individual health needs vary over the life course. Some portions of the population (older adults and those with serious or chronic illnesses) require more and higher-cost health services than those who are younger, healthier, or otherwise in need of fewer or less costly services.

Older People and People with Significant Health Needs Account for Most Health Expenditures

While there are people with high spending at all ages, in 2021, people 55 and over accounted for 56% of total health spending despite making up only 31% of the population. In contrast, people under age 35 comprised 44% of the population but were responsible for only 21% of spending.

People with significant health needs account for a large portion of total health spending. People reporting fair or poor health status account for 10% of the population and 29% of the total health spending.

A Small Share of the Population Incurs Most of Health Spending

In 2021, the 5% of people with the highest health spending accounted for just over half of total health spending and had an average of around $71,100 in health expenditures annually; people with health spending in the top 1% had average spending of over $160,000 per year. At the other end of the spectrum, the 50% of the population with total health spending below or equal to the 50th percentile accounted for only 3% of all health spending; the average spending for this group was $385. Roughly 14% of the population had $0 in health expenditures in 2021.

Out-of-pocket spending on health services is concentrated similarly to overall health spending. In Figure 9, out-of-pocket spending includes direct payments to providers and cost-sharing but does not include monthly premium payments or contributions towards health coverage. Out-of-pocket health spending is similarly concentrated among high-health-need individuals. This small portion of the population accounts for a substantial share of total out-of-pocket health spending in a year.

In 2021, people in the top 1% of out-of-pocket spending paid an average of about $24,490 out-of-pocket for health services per year, and people in the top 10% spent an average of around $6,190 out-of-pocket per year. People who are in the bottom 50% of out-of-pocket spending spent an average of $24 out-of-pocket.

How Do High Health Costs Affect Affordability of Care?

In addition to being expensive for the nation as a whole, health care is often expensive for individuals. High health costs pose a particular hardship for people who are in worse health, and people with lower incomes. However, challenges with affording health care are not limited to certain groups — these challenges are pervasive across the U.S. Even people with private health insurance through their employers are often exposed to high deductibles and can therefore face affordability challenges . A substantial share of the population does not have enough savings or other liquid assets to afford the deductible or annual out-of-pocket maximum common in private health plans.

When health care is unaffordable, it can lead to cost-related access barriers for individuals, like forgoing or delaying needed medical care. For those who do receive care, this care can lead to medical debt and other forms of financial instability. Some people experience both affordability challenges, missing some needed care and incurring medical debt for other care.

Half of Adults Say it is Difficult to Afford Health Care Costs

About half of U.S. adults say it is difficult to afford health care costs (Figure 10), and one in four say they or a family member in their household had problems paying for health care in the past 12 months (Figure 11). People with lower incomes, people in fair or poor health, and the uninsured are particularly likely to report problems affording health care in the past year.

Among those under age 65, uninsured adults are more likely to say affording health care costs is difficult (85%) compared to those with health insurance coverage (47%).

Those who have health insurance coverage are not immune to the burden of health care costs. About 4 in 10 insured adults worry about affording their monthly health insurance premium, and 48% worry about affording their deductible before health insurance kicks in. Large shares of adults with employer-sponsored insurance (ESI), and those with Marketplace coverage, rate their insurance as “fair” or “poor” when it comes to their monthly premium and out-of-pocket costs to see a doctor.

1 in 4 Adults Report Putting Off Health Care Because of Cost

Cost-related barriers to accessing health care are more common for some demographic groups than others. For example, people who are Hispanic, lower-income, in worse health, or uninsured tend to have higher rates of self-reported cost-related access barriers.

One-quarter of adults say that in the past 12 months, they have skipped or postponed getting health care they needed because of the cost, according to KFF polling. Women are more likely than men to say they have skipped or postponed getting care (28% vs. 21%). People aged 65 and older, most of whom are eligible for health care coverage through Medicare, are much less likely than younger age groups to say they have not gotten health care they needed because of cost. Six in 10 uninsured adults (61%) say they have skipped or postponed care for cost reasons. Additionally, insured people are not immune from cost-related barriers to accessing care, as 1 in 5 adults with insurance (21%) still report not getting health care they needed due to cost.

What Impact Do Health Care Costs Have on Financial Vulnerability?

Despite the vast majority of the United States population having health insurance, medical debt is common. Different ways of measuring medical debt result in different estimates of prevalence, but regardless of the method, there is consensus that medical debt is a persistent and pervasive problem in the United States, including for people with insurance.

One way to examine medical debt is through credit reporting, but medical debt is often disguised as other forms of debt when people pay for medical bills on their credit cards or choose to pay off their medical bills while falling behind on other payments.

Another way to measure medical debt is with surveys, which can allow respondents to describe their debt in more detail, with nuance. Questions about medical debt and other financial matters can be difficult to compare across surveys. For example, it is not always clear whether respondents are answering about their personal experiences or about their broader family or household. Surveys may also differ in the way they define medical debt or describe what forms of debt to include.

The KFF Health Care Debt Survey asked respondents to think about money that they currently owe for their own health or dental care or someone else’s, such as a family member or dependent. The KFF Health Care Debt Survey finds that 41% of adults currently have some form of debt caused by their own or a family member’s medical or dental bills.

The U.S. Survey of Income and Program Participation (SIPP) asks whether money was owed for a medical bill and not paid in full during the past year for each person in the sample household. SIPP results, therefore, can be looked at on the individual level or for an overall household. This survey shows that about 1 in 12 adults have medical debt they owe for their own medical care in the past year.

Regardless of the survey used to examine medical debt, some common themes emerge when looking at differences across demographic groups. People who are Black, uninsured, lower-income, and in worse health are more likely to have medical debt. In particular, people with disabilities are much more likely to have significant medical debt, which, in addition to the burden of medical costs, could also reflect inadequate supplemental income for people who are unable to work due to disability or illness.

Nationally, Medical Debt Totals at Least $220 Billion

The Consumer Financial Protection Bureau (CFPB) estimates that $88 billion in medical debt is reflected on Americans’ credit reports . However, credit reports may not capture all forms of medical debt. For example, medical debt disguised as credit card debt or money owed to family or friends may not be captured. Surveys may capture medical debt that is not visible on credit reports or is otherwise disguised as another form of debt. The 2021 Survey of Income and Program Participation suggests that total medical debt owed was at least $220 billion at the end of 2021.

Medical Debt is Associated with Financial Vulnerability Across a Range of Indicators

The National Financial Capabilities Survey (NFCS) is a triennial survey sponsored by the FINRA Foundation that provides information on the financial security, experiences, and vulnerabilities of people and households.

People with medical debt are much more likely to have other forms of financial distress than those without medical debt. Indicators of financial vulnerability—such as spending more money than one’s income, having no “rainy day” fund, or agreeing with the statement “I am just getting by financially”—are more common among adults with medical debt than those without. Additionally, people with medical debt are more likely to overdraw their checking account, have a credit card balance that exposes them to interest payments, take a cash advance on their credit card, or report being contacted by debt collectors. People with medical debt are also much more likely to use payday loans or other costly loans than those without medical debt.

How Much is Health Care Spending Expected to Grow?

Each year, actuaries from the Centers for Medicare and Medicaid Services (CMS) project future spending on health. With utilization continuing to return to pre-pandemic levels and price inflation in the health sector, per-person health spending is projected to rebound to an annual rate of 4.8% per capita on average from 2022 to 2031, which is slightly above pre-pandemic growth rates (average of 3.9% from 2014 to 2019).

An aging population, labor pressure driving higher prices, and new high-cost prescription drugs coming to market are expected to contribute to a growth in health spending. Health spending was 17.4% of the U.S. economy in 2022 and is expected to reach 19.6% by the end of the decade.

The pandemic has had direct and indirect effects on the health system that can make projections difficult. COVID-19 has led to new costs for vaccination, testing, and treatment and has also caused other shifts in health utilization and spending. Some people avoided medical settings out of concern of contracting COVID and thus missed or delayed routine care or cancer screenings earlier in the pandemic. This could lead to pent-up demand, worsening health conditions, or more complex disease management going forward. Increased use of telemedicine could also shift spending patterns in the future. Additionally, the recent broad-based inflation trends in the economy and health sector employment trends also add to the uncertainty of these projections.

Federal Government Infusion of Public Health Funding Has Subsided Since Early in the COVID-19 Pandemic

Total national health spending includes spending on direct patient care, as well as spending on public health or prevention. After a sharp increase in 2020 driven by the federal response to the COVID-19 pandemic, spending on public health has fallen. Federal public health spending decreased by 27% from $139.3 billion in 2020 to $101.1 billion in 2021. In 2022, federal public health spending also decreased slightly (dropping $9 billion or 9%). Meanwhile, state and local public health spending grew by 6.3%, in line with previous years. Total public health spending is expected to continue to decline over the next couple of years.

Future Outlook

Key policy issues will shape future health spending and affordability:

Evolution of State Cost Controls : States implementing measures to control health cost growth, including those potentially supported by the Biden Administration’s new AHEAD model , may prompt further experimentation. However, states can only regulate a subset of private health insurance plans.
Price Transparency Requirements : Federal price transparency requirements aim to illuminate prices paid to hospitals and providers. However, there are challenges with the quality of the data and the Congressional Budget Office expects minimal impact on health care prices.
Prescription Drug Pricing : The Inflation Reduction Act of 2022 , targeting Medicare drug spending through government negotiation of drug prices, is expected to reduce Medicare costs, but potential effects on the private market remain uncertain. While CBO expects minimal effects on the availability of new treatments, there is considerable uncertainty surrounding those estimates.
Expansion of Virtual Care : The COVID-19-induced rise in telehealth , with expanded reimbursement and access, has uncertain impacts on care coordination, quality, health outcomes, and costs.
Market Dynamics and Anticompetitive Practices : Consolidation among providers, insurers, and drug manufacturers has elevated health care prices, leading to regulatory actions against anticompetitive practices, aiming to protect consumers from rising costs.
Provider Payment Reforms : Bipartisan efforts in site-neutral payment reform, addressing concerns about higher payments in outpatient settings, have led to Medicare implementing site-neutral payments in some settings and additional legislative proposals. However, challenges in provider charging practices and facility fees persist.
Value-Based Payment Models : The proliferation of value-based payments aims to transfer some of the cost risks from payers to providers, but concerns remain about the effectiveness of these approaches , limited quality improvement, administrative burdens, and reduced physician participation incentives.
Changes in Coverage : Despite reduced uninsured rates through continuous Medicaid enrollment and expanded Affordable Care Act Marketplace subsidies during the pandemic, affordability challenges persist among the insured. Renewed disenrollments from Medicaid and the expiration of Marketplace subsidies after 2025 may increase uninsured rates and affordability issues.
Addressing Medical Debt : Ongoing efforts to address medical debt involve planned credit reporting agency requirements and regulatory actions. However, the root causes of high health costs and underinsurance remain untouched by most efforts to mitigate the negative effects of medical debt.
National Health Spending Explorer - Peterson-KFF Health System Tracker
How has U.S. spending on healthcare changed over time? - Peterson-KFF Health System Tracker
How much is health spending expected to grow? - Peterson-KFF Health System Tracker
What are the recent and forecasted trends in prescription drug spending? - Peterson-KFF Health System Tracker
How does medical inflation compare to inflation in the rest of the economy? - Peterson-KFF Health System Tracker
How many people have enough money to afford private insurance cost sharing? - Peterson-KFF Health System Tracker
Americans’ Challenges with Health Care Costs | KFF
How does cost affect access to healthcare? - Peterson-KFF Health System Tracker
The burden of medical debt in the United States - Peterson-KFF Health System Tracker
Health Care Debt In The U.S.: The Broad Consequences Of Medical And Dental Bills | KFF

Amin, Krutika, Cox, Cynthia, Ortaliza, Jared & Wager, Emma, Health Care Costs and Affordability. In Altman, Drew (Editor), Health Policy 101, (KFF, May 28, 2024) https://www.kff.org/health-policy-101-health-care-costs-and-affordability/ (date accessed).

Cancer Is Causing 'Financial Toxicity' in US

"Cutting back on meds. Cutting back on doctor visits. Losing your home. Cutting back on food—these are not things that we want to believe happen to people with cancer in this country." That's the deep type of financial stress that radiation oncologist Dr. Reshma Jagsi tells the Wall Street Journal that more and more Americans are being saddled with after receiving cancer diagnoses. The Journal says that this reality is becoming increasingly common in the US for two reasons: people are getting cancer at younger ages, and the cost of treatments are going up.

・ Medical costs: More than half of new cancer drugs released between 2019 and 2023 cost $200,000 per year—minimum. In an opinion piece at STAT News , oncologist Ezekiel J. Emanuel cites an estimate of a $42,000 per year in medical costs in the year after diagnosis. Insurance helps, an estimated 40% of patients burn through their life savings in the first two years. Related expenses like travel, lodging, childcare, and time off work, also add up.

・ Financial toxicity: Shouldering the cost of cancer can cause so much stress, there's a name for it: financial toxicity. The burden snowballs when common issues arise, like the inability to work and loss of insurance—about 85% of cancer patients leave the workplace when treatment starts. But as Emanuel writes, much "of this financial toxicity, which is increasingly common, is occurring for patients with health insurance coverage."

・ Silver lining: Despite more working-age people receiving cancer diagnoses, advances in medicine have increased survival rates, with death rates declining by 27% over the past 20 years.

・ Crowdfunding for cures: To chip away at medical debt, many Americans turn to crowdfunding sites like GoFundMe, where 40% of medical campaigns are cancer-related. And according to Cancer Health , one study found that only about 15% of those campaigns reached their financial goals. In all, $1.6 billion was raised through crowdfunding for cancer costs, averaging $7,860 per campaign. Emanuel's piece offers systemic suggestions within the health insurance industry.

(Blood proteins may represent a big jump forward in cancer prevention .)

How hard is it to buy a home right now? The new NBC News Home Buyer Index measures the market

Why is it so hard to buy a home? Prices have far outpaced middle-class incomes. Mortgage rates are above 7% for the first time since 2002. And 3 out of 10 homes are sold above listing price.

But none of those factors fully captures the variety of challenges buyers nationwide face in the current market. The conditions on the ground can vary widely across state and even county lines.

To better capture how housing market conditions shift at the local level — as comprehensively and in as close to real time as possible — we’re introducing a new monthly gauge: the NBC News Home Buyer Index.

The Home Buyer Index, which NBC News developed with the guidance of a real estate industry analyst, a bank economist from the Federal Reserve Bank of Atlanta and other experts, is a number on a scale of 0 to 100 representing the difficulty a potential buyer faces trying to buy a home. The higher the index value, the higher the difficulty.

A low index value, of 10 for example, suggests better purchasing conditions for a buyer — low interest rates, ample homes for sale. Chambers County, Texas, near Houston, is one of the 50 least difficult places to buy in in the country, with low scores on scarcity, cost and competition.

A high value closer to 90 suggests extremely tough conditions, which can result from intense bidding, high insurance costs or steep jumps in home prices relative to income. Prices are soaring in Coconino County, Arizona, making it one of the 25 most difficult counties to buy a home in. Five years ago it was ranked 300, but the median sale price has increased 81%, nearly twice the national figure.

The index measures difficulty nationwide, as well as on the county level, in the counties where there’s enough homebuying data to make informed assessments.

The national index, presented below, captures the big-picture market and economic conditions that affect homebuying across the U.S.

This index consists of four factors:

Cost: How much a home costs relative to incomes and inflation — as well as how related expenses, such as insurance costs, are changing.
Competition: How many people are vying for a home — and how aggressive the demand is. This is measured through observations including the percentage of homes sold above list price and the number that went under contract within two weeks of being listed.
Scarcity: The number of homes that are on the market — and how many more are expected to enter the market in the coming month.
Economic instability: Market volatility, unemployment and interest rates — reflecting the broader climate in which home shoppers are weighing their decisions.

For April, the overall Home Buyer Index nationally was 82.4, up slightly from March and about 5 points lower than it was this time one year ago.

Improvements in market competitiveness and the broader economy have eased conditions somewhat within the past year. However, high costs and continued housing shortages have kept overall homebuying difficulty high.

The index updates monthly on the Thursday after the third Saturday of the month. The next update is June 20.

Methodology

The NBC News Home Buyer Index combines real estate and financial data with forecasting techniques to assess market conditions from a buyer’s perspective.

The perspective is framed as a combination of factors shaping a buyer’s experience of the housing market: cost, scarcity, competition and overall economic instability.

Each factor is measured by a monthly analysis that takes the following approach:

Data is collected from sources including Redfin , the Census Bureau, the Bureau of Labor Statistics and the Federal Reserve Bank of St. Louis.
The data is then cleaned, filtered for quality and transformed to address properties that are needed for statistical analysis, including stationarity and seasonality.
The data is then brought to a monthly frequency where appropriate, among other steps.
The data is scaled to make component variables comparable.
Finally, the data is combined to generate a single, aggregate measure of homebuyer difficulty. The final output is a single value between 0 and 100, where 0 represents the least difficult market possible and 100 is the most difficult.

NBC News worked with real estate industry experts to refine the data that would best answer the question ‘How difficult is it to buy a home in the U.S.?’ The experts came from the Federal Reserve Bank of Atlanta, and Redfin.

Caveats to this analysis include variation in data availability at the county level, which is generally tied to market size, which correlates with regional characteristics such as population count. Therefore, systematic gaps affect low-population counties, leading them to be underrepresented.

In addition, recent index values may shift slightly in future releases as final data comes in.

Jasmine Cui is a reporter for NBC News.

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Medelit's Doctors provide bespoke and tailored medical assistance directly in the comfort of your home, hotel or office in the UK. doctor home visit. Medelit stands as a unique, high-caliber service, offering you a meticulously curated team of highly experienced independent healthcare professionals for all your medical needs.Our patient-centered approach ensures that when one of our esteemed ...
What Part B covers
Part B covers 2 types of services. Medically necessary services: Services or supplies that are needed to diagnose or treat your medical condition and that meet accepted standards of medical practice. Preventive services: Health care to prevent illness (like the flu) or detect it at an early stage, when treatment is most likely to work best.; You pay nothing for most preventive services if you ...
Rep. Jackson Lee reveals pancreatic cancer diagnosis
Rep. Sheila Jackson Lee (D-Texas) announced that she has pancreatic cancer on Sunday, predicting that treatment could see her "occasionally absent" from Congress. Jackson Lee, 74, who survived ...
Health Care Costs and Affordability
This Health Policy 101 chapter explores trends in health care costs in the U.S. and the factors that contribute to this spending. It also examines how health care spending varies across the ...
Cancer Is Causing 'Financial Toxicity' in US
Cutting back on doctor visits. Losing your home. Cutting back on food—these are not things that we want to believe happen to people with cancer in this country." ... ・Medical costs: More than ...
Home buying in the U.S. by county: Cost, availability, competition and more
Why is it so hard to buy a home? Prices have far outpaced middle-class incomes. Mortgage rates are above 7% for the first time since 2002. And 3 out of 10 homes are sold above listing price.
Estimate My Home Value
Realtor.com home value estimator will offer insight into how much your home is worth. Enter your address to get an instant home value estimate. Claim your home and view home value estimates of ...