Patient Labs
How to Save Money on Clinic Visits
(For the Uninsured or High-Deductible Plans)
Clinic expenses typically include physician fees, lab tests, imaging, and medications. Here are smart, actionable ways to reduce costs at every step:
1. Take Advantage of Self-Pay Discounts
Many clinics offer 20–60% off if you pay at the time of service. Always ask:
“Do you offer a self-pay discount?”
Basic office visits with this discount usually range from $60–$75—and some clinics charge as little as $25–$35.
Watch out: they may offset the low visit fee by overcharging for labs.
2. Ask to Use Outside Labs and Imaging Centers
Clinics often mark up lab and imaging fees by 200–500%.
You have the right to choose where tests are done—ask if you can use an independent lab or imaging center to save significantly.
3. Shop Around for Lab & Imaging Prices
You're not required to use the clinic’s preferred provider.
For example, an A1c test might cost $9 at one lab, but $49 or more at another.
If you need multiple tests, choosing the right lab could save you $150–$200 or more.
4. Have a High-Deductible Plan? Consider Paying Cash
If you won’t meet your deductible, insurance may not save you money.
In fact, self-pay pricing is often cheaper than insurance-negotiated rates.
Always ask for a cash-pay quote before using your insurance.
5. Request 90-Day Prescriptions & Generics
Cut down on refill visits and pharmacy costs:
· - Ask for 90-day supplies of your medications.
· - Request generic versions, which are much more affordable than brand names.
6. Negotiate Your Medical Bills
Received a bill after your visit? You can still save:
· - Ask to switch to the self-pay rate
· - Request a prompt-pay discount
· - Set up a monthly payment plan—clinics often prefer this over collections
Bonus Tips
· - Avoid urgent care or emergency rooms unless it’s truly necessary—they’re often far more expensive.
· - Ask if labs can be done elsewhere for less and bring the results to your provider.