Whether you have a chronic condition, need emergency care, or just stopping in for an annual check-up, the cost of a doctor visit is rarely cheap.

That’s whether you have insurance or not. A doctor visit cost in Delaware mirrors much of the United States and depends greatly on treatment, location, and your level of coverage.

So how much is a doctor visit in Delaware without insurance? Here’s what to expect.

The Average Cost Of A Doctor Visit In Delaware

The biggest factor that will determine how much you’ll be paying out of pocket for a Delaware doctor is your insurance. If you don’t have medical insurance, the average cost of a visit to a doctor will run usually between $300-$600.

Figuring out how much a doctor visit is can get a bit more complicated though. In addition to whether you have insurance, the type of doctor you see will impact cost, and so will whether you need lab tests or if you’re a returning patient or new.

According to a survey by the Kaiser Family Foundation, the average daily inpatient hospital cost without insurance is a little over $3,000.

What Kind Of Doctor Do You Need?

How much is a doctor visit in Delaware without insurance if you’re seeing a specialist? On average, it’s about $400 or so. While primary care, pediatric, and psychiatry specialists are in the lower range ($175-$300), seeing an OB/GYN, ophthalmologist, cardiologist or orthopedist can average between $450-$500.

As in other states, the cost will also be impacted by whether you’re a new patient. Many hospitals or specialists charge “new patient fees.” On average, a new patient can expect to pay more for a visit, around $400 overall, since a new patient usually requires a full examination and thus a longer appointment.

Emergencies Are Typically Far More Expensive

In the United States, it costs about $2,200 for an emergency room visit on average. How much a doctor visit is when you’re heading to the emergency room often depends on your specific condition.

Typically, when you become an ER patient, there is a triage fee, somewhere around $200-$1,000. If you need to stay overnight, that cost alone can run about $1,200 a day. Overall, those without health insurance in Delaware can still manage an emergency room visit that will be $2,000 or less.

However, it can be easily more. When critical care is needed or surgery is crucial, those without insurance often see bills of $20,000 or more.

Rates for common emergency services vary greatly. For example, X-rays are common, and they can be about $300-$500 (even stitches can cost $500 in an emergency room). If broken bones are involved and surgery is needed, you’re likely looking at a $10,000 bill.

One of the best examples of varying hospital costs in Delaware is seen in MRI scans. Typically, a fully insured patient pays around $400-$1,000 for an MRI. However, those without insurance can sometimes pay upwards of $5,000 for MRIs.

So how can you predict how much a doctor visit is without insurance when you need emergency care? Often, it’s determined by the level of emergency. If it’s a minor issue, it can be just $150-$400.

Middle-level care, where recovery is expected and there’s a small risk to your overall health, averages around $650. The most serious emergency care, where your life is significantly threatened starts at $2,000.

A Delaware Installment Loan May Help

So how much is a doctor visit? It can be a significant chunk of cash. If you’re coping with a financial emergency in the form of a hefty medical bill, a Delaware installment loan is an option for assistance.

Installment loans offer a small amount of cash in the form of a short-term loan that’s paid off in regular agreed-upon installments. They are designed to help with financial emergencies and not long-lasting, lingering financial emergencies.

There are very few requirements to qualify for an installment loan of up to $1,500 at Delaware Title Loans, Inc. and it can take as little as 30 minutes. All you need is a driver’s license or state-issued identification, proof of income usually in the form of your most recent pay stub, and a statement from a checking account that’s in your name.

We make the installment loan process easy. Just fill out the short installment loan form on our homepage and a representative from the Delaware Title Loans, Inc. location nearest you will give you a quick call.

You’ll then head to the location most convenient to you with the required items. Once you’re approved, you get the cash you need that same day or the next business day.

Get Started Today

Doctor visits without insurance can lead to crippling medical bills. A Delaware installment loan is an option for relief. Just start online, visit us today, or give us a quick call. We’re here to help.

Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.