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.