If you’re facing a medical emergency, need a check-up, or managing a chronic illness, one thing is certain: doctor visits without insurance can be expensive. So, how much is a doctor visit without insurance in Delaware, and what can you do when those costs feel unmanageable?
Let’s explore the real numbers and how a Delaware installment loan may help cover the cost of a doctor visit without insurance in Delaware.
Average Doctor Visit Costs Without Insurance 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.
Types Of Doctors And What They Cost
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.
Emergency Room Visits Without Insurance
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.
Facing Medical Bills Without Insurance? A Delaware Installment Loan Can Help
Unexpected medical bills without insurance can throw off your entire budget. If you don’t have insurance and need to visit the doctor or emergency room, a Delaware installment loan may help cover the cost.
An installment loan is a short-term loan that allows you to borrow a lump sum of money and pay it back in fixed, manageable monthly payments.
At Delaware Title Loans, Inc., we offer installment loans up to $1,500 with a fast and simple process. In most cases, you can receive cash the same day or by the next business day.
Requirements for a Delaware Installment Loan:
- State-issued photo ID or driver’s license
- Proof of income (recent pay stub)
- A checking account statement in your name
Start by filling out the installment loan form on our website, and a local representative will call to guide you through the next steps.
What If You Need a Doctor Visit But Have No Insurance?
Many Delaware residents are in this same situation — wondering how to visit the doctor without insurance and still manage their finances. A Delaware installment loan may give you the breathing room you need to focus on your health.
And if you’re looking to cover future expenses or explore other financial options, we also offer title loans in Delaware that can help in different emergency situations.
Get Started with an Installment Loan Today
Don’t let a medical emergency go untreated due to financial stress. Whether you're facing a sudden ER visit or planning a routine appointment, a Delaware installment loan can help you take care of your health today, not later.
Apply online, visit a nearby store, or call now to start your application.
Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.
