Savvy Tips Guru

What Factors into the Cost of a Telehealth Visit?

how much does telehealth cost

Telehealth means you can see a doctor without going to their office. Instead, you talk to them using your phone or computer. It’s having a doctor’s appointment, but you don’t have to leave your house. This way, more people can get medical help easily, no matter where they are.

How does telehealth differ from an in-person visit?

Traditional in-person healthcare visits

When people go to the doctor’s office in person, they have face-to-face meetings with healthcare providers. This means they have to travel there, make appointments, and often wait for their turn. People need to plan for transportation, which can disrupt their daily routines. Also, sitting in waiting rooms can expose them to contagious illnesses, which is risky for their health.


Telehealth changes this by using digital technology to let people access healthcare services remotely. Through telehealth platforms, patients can talk to healthcare professionals using video calls, phone calls, or secure messages. This means they don’t have to travel or wait in waiting rooms. They can get medical advice, prescriptions, and follow-up care without leaving their homes, saving time and avoiding logistical problems.

Advantages of telehealth

  • Accessibility: Telehealth makes it easier for people to get medical help, especially if they live far away from healthcare facilities.
  • Convenience: People can access healthcare services from anywhere with the internet, saving them the trouble of traveling and dealing with time constraints. This is helpful for busy schedules and transportation issues.
  • Efficiency: Telehealth speeds up the healthcare process by reducing wait times and making appointment scheduling easier. Patients can get medical advice, prescriptions, and consultations quickly.
  • Reduced Burden on Healthcare Facilities: Telehealth takes some pressure off healthcare facilities by letting people have appointments remotely. This is especially useful during busy times or emergencies, helping prioritize urgent cases and manage resources better.

How much does telehealth cost?

Understanding how much telehealth costs involves looking at different things that affect the price. Usually, a telehealth visit without insurance costs between $40 and $90 on average. But the actual price can change depending on a few things.

What factors affect the cost?

Understanding how much telehealth costs involves looking at different things that affect the price.

1. Type of service and appointment

The cost of a telehealth visit can change depending on what you need and the kind of appointment you’re having. Whether it’s a regular check-up, talking to someone about your mental health, or getting specific medical help, each one might have a different cost depending on how long it takes.

2. Healthcare provider’s credentials and experience

The qualifications and experience of the healthcare provider you see during your telehealth appointment can also change the price. If they have special training or lots of experience, they might charge more for their services.

3. Where you are

Where you live can also affect how much telehealth costs. Usually, it costs more in big cities compared to rural areas. This might be because of things like higher living costs and more demand for healthcare services.

4. Extra services

Sometimes, other things like lab tests, getting pictures of the inside of your body, or prescriptions might be part of your telehealth appointment. If these things are included, they can add to the overall cost.

Is telehealth more expensive than in-person?

Contrary to what many people think, telehealth often turns out to be a cheaper option compared to traditional in-person visits to the doctor’s office. Various studies and reviews have shown that telehealth can help save a lot of money for both patients and the healthcare system. 

  • Saving Money: Research shows that using telehealth can lead to big savings in healthcare costs. Studies found that using telehealth reduced overall healthcare costs by a whopping 53%. This was mainly because people spent less on things like transportation, caregivers, and missing work to go to appointments.
  • No Travel Costs: With telehealth, patients don’t have to spend money on traveling to see their doctor. They don’t need to pay for things like gas, parking, or public transportation. This helps people save money and makes it easier for them to get the care they need without worrying about extra costs.
  • Less Waiting Time: Telehealth also helps cut down on the time patients spend waiting for their appointments. Unlike in-person visits, where you might have to wait a long time in the waiting room, telehealth appointments can start pretty quickly. This means patients can get medical help faster and spend less time waiting around.
  • Efficient Care Delivery: Telehealth makes it easier for healthcare providers to give care more efficiently. Using technology can help patients without needing them to come into the office. This saves money on things like renting office space and keeping the lights on.

Does insurance cover telehealth?

Many health insurance companies now cover telehealth services due to their growing popularity. These services can include routine check-ups, specialist appointments, mental health counseling, and remote monitoring programs. 

  • Different Coverage: Not all insurance plans cover telehealth in the same way. Some plans might cover everything with little or no extra cost for patients, while others might ask for copayments or coinsurance for telehealth visits.
  • Check Your Policy: It’s important for patients to carefully read through their insurance policies to see what telehealth services are covered and what costs might be involved. This means understanding any coverage limits, what you might have to pay, and if there are any services not covered by telehealth.
  • Talk to Your Insurance: If you’re not sure about your coverage, it’s a good idea to talk directly to your insurance provider. They can give you more details about what’s covered, how you can get reimbursed, and any other financial stuff you need to know.

Which is better: telehealth or in-person?

When deciding between telehealth and in-person visits, it’s like choosing the right tool for the job. Let’s look at both options to see which one fits best for different situations.


  • It’s super convenient: Telehealth is like having a doctor’s appointment right from your couch. You can talk to your healthcare provider over video calls or messages, saving you from traveling to the clinic and waiting in lines.
  • Easy to reach: With telehealth, it doesn’t matter where you live. Even if you’re far away from the nearest clinic, you can still connect with your doctor online without any hassle.
  • Quick and flexible: Telehealth appointments usually happen faster than in-person visits. You can schedule them easily and get the care you need without waiting around for too long.

In-person visits

  • Hands-On Checkup: When you go to the clinic, your doctor can give you a thorough checkup. They can listen to your heart, feel your stomach, and look at any spots that need checking, which can be important for some health issues.
  • Hands-On Procedures: Some things, like getting shots or having blood tests, need to be done in person. Your doctor can do these things safely in the office.
  • Building Trust: Meeting your doctor face-to-face helps build a strong relationship. It’s easier to talk about personal stuff or ask questions when you’re in the same room.

Telehealth can also be costly

Telehealth provides convenience and accessibility but can also incur costs from subscription fees, out-of-network charges, and additional services like lab tests or medications, potentially leading to higher expenses for patients. Patients must consider these factors and explore insurance coverage options to make informed decisions about their healthcare needs while minimizing out-of-pocket expenses. Despite potential costs, telehealth remains a valuable alternative to traditional healthcare, offering innovative solutions and bridging the gap between patients and providers in the digital era.


  • RJ Sinclair

    RJ is our resident money guru, with a knack for keeping finances neat and organized. With previous experience as a budget manager in supply chain companies, he brings a wealth of knowledge and expertise to the table. Count on RJ as a trustworthy source for valuable money tips and advice to help you make the most of your financial journey.