Last updated: March 2026
How Much Does Telehealth Visit (Virtual Doctor) Cost?
Cost Breakdown by Type
| Type / Procedure | Without Insurance | With Insurance |
|---|---|---|
| Video Visit (primary care) | $50 – $100 | $0 – $25 |
| Phone-Only Visit | $40 – $75 | $0 – $20 |
| Specialist Telehealth | $75 – $250 | $20 – $75 |
| Mental Health Telehealth | $100 – $250 | $0 – $50 |
CPT/ADA Code: CPT 99213
What Affects the Cost
- Facility type (freestanding center vs. hospital — hospitals cost 2-3x more)
- Geographic location
- Complexity of the visit or test
- Whether additional tests or procedures are needed
- In-network vs. out-of-network provider
- Time of day (emergency/after-hours may cost more)
Insurance Coverage
Typical coverage: Most plans cover telehealth at same rate as in-person visits; $0-$35 copay typical
Most diagnostic tests and urgent care visits are covered when medically necessary with a doctor's order. You'll pay your deductible first, then coinsurance (typically 20-40%). Preventive screenings are covered at $0 under the ACA. Always use in-network providers to avoid surprise bills.
How to Save Money
- Freestanding facilities cost 50-70% less than hospital-based
- Ask for cash-pay pricing upfront — often 40-60% less than billed rate
- Compare prices on MDsave.com or Healthcare Bluebook
- Use urgent care instead of ER for non-emergencies (save $1,000+)
- Telehealth visits cost $50-$100 for many conditions
- Check if the service qualifies as preventive care ($0 with insurance)
Related Procedures & Costs
Frequently Asked Questions
Telehealth visits cost $50-$100 without insurance through services like Teladoc, MDLive, or Amwell. With insurance, copays are typically $0-$35, the same as an in-person visit. Some plans offer free telehealth as a benefit.
Telehealth is suitable for cold and flu symptoms, allergies, sinus infections, UTIs, rashes, pink eye, prescription refills, mental health counseling, and chronic condition management. It is not appropriate for emergencies or conditions requiring physical examination.
Yes. Since the pandemic, most commercial insurance plans, Medicare, and Medicaid cover telehealth visits. Many employers offer free telehealth through their benefits. Coverage parity laws in most states require equal coverage for virtual and in-person care.