Reference
Procedure costs without insurance
142 entries.
Entries
142
MRI Cost Without Insurance
Get cash-pay quote first; many imaging centers offer 30-50% off the list price
CT Scan Cost Without Insurance
Cash pay typically 40-60% off list
Ultrasound Cost Without Insurance
Most affordable imaging modality
Mammogram Cost Without Insurance
Screening often discounted/free at community programs
Colonoscopy Cost Without Insurance
ACA mandates screening colonoscopy at $0 if in-network for most plans
Upper Endoscopy (EGD) Cost Without Insurance
Cash-pay ASC packages exist
ER Visit Cost Without Insurance
Facility fee + physician fee + ancillaries — itemize the bill
Urgent Care Cost Without Insurance
Much cheaper than ER for non-emergency
Therapy (Mental Health Session) Cost Without Insurance
Sliding scale at community mental health centers
Psychiatry Cost Without Insurance
Sliding scale + community mental health centers
Dermatologist Visit Cost Without Insurance
Cash pay often lower than billed-to-insurance
Knee Replacement Cost Without Insurance
ASC bundled rates exist
Hip Replacement Cost Without Insurance
ASC bundles cheaper
Spinal Fusion Cost Without Insurance
High variability; charity programs exist for severe cases
C-Section Cost Without Insurance
Hospital + physician + neonatology all separate
Vaginal Delivery Cost Without Insurance
Bundled global OB billing typical
Appendectomy Cost Without Insurance
Emergency — limited shopping but bill negotiation possible
Gallbladder Removal Cost Without Insurance
ASC cheaper for elective
Dental Cleaning Cost Without Insurance
Dental schools 30-70% off
Dental Crown Cost Without Insurance
Dental schools much cheaper
Root Canal Cost Without Insurance
Dental schools 50-70% off
Eye Exam Cost Without Insurance
VSP/Eyemed discount cards
Glasses Cost Without Insurance
Online retailers 50-80% cheaper
Hearing Aids Cost Without Insurance
OTC hearing aids legal since 2022 — $200-$1,500
Braces Cost Without Insurance
Dental schools, Smile Direct/Byte ($1,800-$3,000)
STD Test Cost Without Insurance
Planned Parenthood sliding scale
HIV Test Cost Without Insurance
Free at health departments + HIV.gov locator
Blood Test Cost Without Insurance
Direct-to-consumer labs (Quest, LabCorp direct)
EKG Cost Without Insurance
Often included in cash-pay office visit
Stress Test Cost Without Insurance
Office cheaper than hospital
Echocardiogram Cost Without Insurance
Outpatient cheaper than hospital
Sleep Study Cost Without Insurance
Home sleep test much cheaper
Physical Therapy Cost Without Insurance
Cash-pay PT cheaper than insurance-billed
Chiropractor Cost Without Insurance
Cash-pay menus typical
Ambulance Cost Without Insurance
NSA applies to OON air ambulance
Bariatric Surgery Cost Without Insurance
Mexico/medical tourism $5,000-$10,000 (risk-tradeoff)
Cosmetic Plastic Surgery Cost Without Insurance
Not insurance-covered typically; medical (reconstruction) is
IVF Cost Without Insurance
State infertility mandates expand coverage; some employers cover
Cancer Screening Costs Without Insurance
ACA mandates $0 USPSTF-recommended screenings if in-network
Vasectomy Cost Without Insurance
Planned Parenthood often offers sliding scale
Tubal Ligation Cost Without Insurance
ACA preventive — covered $0 if in-network for most plans
Circumcision Cost Without Insurance
Newborn cheaper than adult
Biopsy Cost Without Insurance
Skin biopsies ~$150-$300; deeper procedures more
X-Ray Cost Without Insurance
Standalone imaging cheapest
Flu Shot Cost Without Insurance
Free at many pharmacies
COVID Test Cost Without Insurance
Many free options remain
STD Screening Without Insurance
Free at Planned Parenthood + city/county clinics
Hormone Therapy Cost Without Insurance
GoodRx etc. for generics
Acupuncture Cost Without Insurance
Community acupuncture clinics $20-$50
Massage Therapy Cost Without Insurance
Massage schools $30-$60 student services
Nutritionist/Dietitian Cost Without Insurance
Cash-pay direct often
LASIK Cost Without Insurance
Not insurance-covered (elective)
Cataract Surgery Cost Without Insurance
Covered by Medicare; cash-pay ASC available
Varicose Vein Treatment Cost Without Insurance
Symptomatic disease may be covered
Rhinoplasty Cost Without Insurance
Functional component may be covered
Hernia Repair Cost Without Insurance
ASC cheaper
Cataract Surgery Cost Reference
Cross-reference
PET Scan Cost Without Insurance
Most expensive imaging modality; rarely needed for non-cancer
DEXA Bone Density Scan Cost
DEXA cash pay typically affordable; covered for women 65+
Holter Monitor Cost
24-72hr ambulatory ECG
Cardiac Catheterization Cost
Diagnostic cath cheaper than interventional
Hysterectomy Cost Without Insurance
Vaginal cheapest; robotic most expensive
Epidural Cost Without Insurance
Labor epidural; pain management epidural
Tonsillectomy Cost Without Insurance
Pediatric most common; adult more expensive
LASIK Eye Surgery Cost
Refractive surgery; rarely insurance-covered
Retinal Detachment Surgery Cost
Urgent procedure; high variability
Dental Crown Cost Without Insurance
Porcelain most expensive; metal cheapest
Dental Implant Cost
Includes implant, abutment, crown
Dentures Cost Without Insurance
Full vs partial; immediate vs traditional
Hospital Stay Cost Per Day
Highly variable; includes room/board only — procedures additional
ICU Stay Cost Per Day
ICU much more expensive than floor; check bill for ICU dates
Inpatient Rehab Facility Cost
IRF more expensive than SNF
Skilled Nursing Facility Cost
Medicare covers up to 100 days with rules
Home Health Cost
Skilled nursing/therapy at home
Hospice Cost
Hospice services are 100% covered under Medicare hospice benefit
Insulin Cost Without Insurance
Caps now apply: Medicare $35/mo cap, ACA $35/mo (commercial)
GLP-1 (Ozempic/Wegovy/Zepbound) Cost
Currently no Medicare cap on weight loss; some states have Medicaid coverage
Eliquis (apixaban) Cost
Anticoagulant; Medicare Part D negotiated 2026
Xarelto (rivaroxaban) Cost
Anticoagulant; Medicare Part D negotiated 2026
Trulicity (dulaglutide) Cost
GLP-1 for T2DM
Jardiance (empagliflozin) Cost
SGLT2i
Wait — substitute Eliquis/Jardiance/Xarelto noted above
Reference; see specific drug pages
Humira (adalimumab) Cost
TNF inhibitor; biosimilars now widely available
Enbrel (etanercept) Cost
TNF inhibitor; biosimilars (Erelzi, Eticovo) available
Stelara (ustekinumab) Cost
IL-12/23 inhibitor; Wezlana biosimilar launching
Keytruda (pembrolizumab) Cost
Anti-PD-1 immunotherapy
Trastuzumab (Herceptin) Cost
HER2 mAb; biosimilars (Ogivri, Herzuma) available
Colostomy Procedure Cost
Often emergent (for obstruction/perforation)
Dialysis Cost (Monthly) Without Insurance
ESRD typically Medicare-eligible after waiting period
Kidney Transplant Cost
Includes pre-transplant workup, surgery, post-transplant care
Bone Marrow Transplant Cost
Cost varies hugely by indication + complications
Chemotherapy Cost Per Cycle
Highly variable; immunotherapy + targeted highest
Radiation Therapy Cost Without Insurance
Course = weeks of daily treatments
Needle Biopsy Cost
Image-guided biopsies more expensive than non-guided
Colostomy Supplies Cost Monthly
Pouches, wafers, accessories
Continuous Glucose Monitor (CGM) Cost
Dexcom G7, Libre 3
Insulin Pump Cost Without Insurance
Tubed vs patch pumps
CPAP Machine Cost Without Insurance
Sleep apnea treatment
Oxygen Concentrator Cost
Stationary vs portable
Nebulizer Cost
Compressor + supplies
Wheelchair Cost Without Insurance
Manual vs powered
Walker Cost Without Insurance
Standard walker; wheeled walker
Hearing Test Cost
Comprehensive audiometry
Contact Lenses Cost
Daily vs monthly
COVID Vaccine Cost
Free at pharmacy under federal program
Pneumonia (Pneumococcal) Vaccine Cost
Pneumovax 23, Prevnar 13/20/15
Shingles (Shingrix) Vaccine Cost
Shingrix highly effective
HPV (Gardasil 9) Vaccine Cost
ACA preventive care 100% for ages 9-26
STD/STI Testing Cost
Comprehensive panel: chlamydia, gonorrhea, HIV, syphilis
PrEP (HIV Prevention) Cost
USPSTF Grade A — 100% commercial preventive
HIV Antiretroviral Therapy Cost
Ryan White program eligibility
Blood Pressure Medication Cost
ACE/ARB/diuretic/CCB/BB all cheap generics
Statin Medication Cost
Atorvastatin, simvastatin, rosuvastatin generics cheap
Antibiotic Cost Without Insurance
Most antibiotics generic + cheap
Asthma Inhaler Cost
Generic albuterol cheapest; ICS-LABA expensive
Thyroid Medication Cost
Levothyroxine generic very cheap
Antidepressant Cost
SSRIs all generic + cheap
ADHD Medication Cost
Stimulants vary widely; non-stimulants more expensive
Home Pregnancy Test Cost
OTC
At-Home COVID Test Cost
OTC; insurance reimbursement varies
At-Home Flu Test Cost
Rapid antigen home tests
Primary Care Visit Cost
Direct primary care (DPC) $50-$100/mo unlimited
Specialist Visit Cost
Cardiology, gastro, neuro typical range
Telehealth Visit Cost
Often cheaper than in-person
Annual Physical Exam Cost
ACA preventive 100% covered
Urinalysis Cost
Standard urinalysis very cheap
Complete Blood Count (CBC) Cost
Most common lab; cheap
Comprehensive Metabolic Panel Cost
BMP/CMP very cheap
Lipid Panel (Cholesterol) Cost
Annual screening
Hemoglobin A1c Cost
Diabetes monitoring
Thyroid Test (TSH) Cost
TSH cheap; full panel (T4, T3) more
Vitamin D Test Cost
25-OH vitamin D
Pap Smear Cost
Cervical cancer screening
Screening Colonoscopy Cost
Screening 100% covered ages 45-75
Anesthesia Cost
Variable by procedure length
Physical Therapy Session Cost
Series of 6-20 sessions typical
Occupational Therapy Cost
Similar to PT
Speech Therapy Cost
Pediatric or adult
Chiropractic Cost
Medicare covers spinal manipulation only
Massage Therapy Cost
Generally not insurance-covered
IVF Cost Without Insurance
Plus medications $3,000-$5,000/cycle
Egg Freezing Cost
Insurance rarely covers elective
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