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How Much Does a Psychiatrist Cost Without Insurance?

Steven Gans, MD is board-certified in psychiatry and is an active supervisor, teacher, and mentor at Massachusetts General Hospital.

average cost psychiatrist visit without insurance

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Cost of Visiting a Psychiatrist

Psychiatrist costs with insurance.

  • Alternative Payment Options

If you're experiencing a significant life change or any number of mental health concerns, such as symptoms of anxiety or depression, you should consider visiting a psychiatrist. This trained doctor can provide a mental health diagnosis, intervention, treatment, medication management, and ongoing care. While their services may be expensive, there's a strong chance your health plan covers some, if not all, of the costs.

While the Affordable Care Act requires health plans to cover behavioral health services, coverage can be limited. If you don’t have insurance or your insurance doesn’t cover your psychiatry appointments, you could end up paying up to $500 or more for a full consultation, which may be necessary to receive a diagnosis.

The costs will vary depending on your location, the psychiatrist’s qualifications and years in practice, and the length and frequency of sessions. You may also see price differences for in-person and telehealth visits. We explore the cost of visiting a psychiatrist and what you should consider before scheduling your first appointment.

Psychiatrists are medical doctors who go through four years of medical school and at least four years in a residency, with a focus on mental health. Psychiatrists can diagnose, treat, and prescribe to patients. When evaluating an individual's mental health, a psychiatrist will assess both the psychological and physical aspects of the problem. They may use any number of tests to assess an individual, such as a mental status evaluation (MSE) , psychosis test, electroencephalogram (EEG), or a blood test. 

A psychiatrist is not a psychologist . If you want to talk to a mental health professional about your work, personal life, relationships, or behavioral issues, you should consider initially visiting a psychologist, which should be more affordable than seeing a psychiatrist. If you want to understand your mental health symptoms better or pursue comprehensive treatment, a psychiatrist consultation is recommended.

If you wish to schedule routine visits following the initial consultation, you'll have to pay per hour or session. The U.S. Bureau of Labor Statistics reports that psychiatrists earn an average of $104.38 per hour.

If you don't have insurance, you could end up paying up to $200 or more for a regular visit to the psychiatrist. Rates are usually higher for psychiatrists than psychologists or other therapists because of their extensive training and backgrounds.

Costs will vary and depend significantly on the following factors:

  • The provider
  • The doctor's training and years in practice
  • The location of the practice
  • The length of a session
  • The doctor's specialization
  • If the consultation is conducted in-person or online

Mental health care can be pricey, with or without insurance, and you may end up owing more than you expect. If you're considering a psychiatrist consultation, here are some costs to keep in mind: 

Referral Costs

Some psychiatrists require referrals from primary care physicians. If this is the case, you may have to schedule a visit with your PCP first, which can be an extra cost. If a referral isn’t required, you can schedule a consultation right away.

Treatment Costs

If you received a prescription for medication or certain other treatments, there may be expenses associated with this. While some of these services and treatments are covered by health insurance, many are not, so even if you have a health plan, you may end up paying high out-of-pocket costs.

Your first psychiatrist consultation should be covered if you have health insurance, though not all health plans cover psychiatrist visits. Before booking your appointment, check your health plan to see what's covered, who might be covered, and how many visits you have covered before you're expected to pay yourself.

Here's what you should keep in mind:

  • If you visit an out-of-network provider, you may not receive as much (or any) coverage from your health insurance provider. For the most affordable option, look for in-network providers.
  • If you have a high deductible, such as $5,000, you will likely owe the total amount of your psychiatrist visit unless you've already reached your deductible.
  • If you have a co-payment, then you will owe that at the time of your visit. It will typically be higher for a psychiatrist because they are considered a specialty physician. 

More and more health plans are covering certain behavioral health services and treatments, like transcranial magnetic stimulation (TMS) , but these may require a certain diagnosis or prior authorization before treatment is covered. Check with your health insurance provider to figure out what's covered and what isn't.

Verywell Mind's Cost of Therapy Survey found that even with insurance, many Americans in therapy struggle with accessibility of treatment options:

  • 30% say they’ve encountered a lack of appointment availability
  • 27% have had difficulty finding a mental health professional who is taking new patients
  • 24% have had difficulty finding an in-network mental health professional

Alternative Payment Options for Psychiatric Care

Your mental health needs to be a priority. If you're experiencing severe mental health symptoms , you should visit a psychiatrist to see what the underlying issue is and how to address it properly. If you don't have insurance or can't afford out-of-pocket costs, you should consider alternative payment options.

Many mental health practices offer sliding-scale payment plans, but this isn't always enough to afford the cost of service. If you need financial assistance for psychiatric treatment, you should consider:

  • Enrolling in a state-sponsored health plan, such as Medicaid, if you're eligible
  • Using HSA or FSA funds, which allow you to use pre-taxed funds
  • Checking with your employer to see if you have mental health access through an Employee Assistance Program (EAP)
  • Acquiring a personal loan or using a credit card
  • Visiting government-funded health centers or clinics, where you can access low-cost or free mental or behavioral health services 
  • Finding a non-profit in your area that offers more affordable options
  • Seeing a psychiatrist on an online platform like Teladoc or Talkiatry
  • Applying for disability benefits if your mental health condition is preventing you from working or maintaining a job

If you need mental health resources or support, please visit our National Healthline Database . 

A Word From Verywell

Getting the mental health care you need isn't easy, but ad ding in financial strain makes it that much harder. Don't suffer in silence. If you are experiencing mental or physical symptoms of a mental health disorder or illness, seek professional help. Many resources are available online, in your local community, and through the state and federal government.

A psychiatrist can offer you qualified and comprehensive mental health support. If you're experiencing extreme mood changes, if you no longer find enjoyment in your days, if you're feeling excessive worry or fear, or any other number of symptoms, book an appointment with a psychiatrist. They can help you unpack these feelings and figure out what's causing these symptoms.

U.S. Bureau of Labor Statistics. Occupational Employment and Wage Statistics . Occupational Employment and Wages, May 2020.

By Sarah Sheppard Sarah Sheppard is a writer, editor, ghostwriter, writing instructor, and advocate for mental health, women's issues, and more.

How much does a psychiatrist cost without insurance?

How much does a psychiatrist cost without insurance?

$250 – $500 average cost without insurance (initial evaluation), $80 – $250 average cost without insurance (follow-up visit).

Kristen Cramer

Psychiatrist cost without insurance

The average cost of a psychiatrist visit without insurance is $250 to $500 for an initial evaluation and $80 to $250 for a follow-up visit. The cost to see a psychiatrist depends on your location, whether you see an MD or psychiatric nurse practitioner, and the treatment type and tests received.

Average cost to see a psychiatrist - Chart

Initial consultation & evaluation

An initial consultation with a psychiatrist costs $250 to $500 without insurance and lasts 45 to 90 minutes on average. During this visit, the psychiatrist will ask questions to learn more about your medical and family history, mental and physical symptoms, and concerns.

The psychiatrist may also prescribe lab work or additional psychological assessments to help them make an accurate diagnosis.

By the end of the first or second visit, the psychiatrist will provide a diagnosis and develop a treatment plan. The treatment may include medications, therapy, lifestyle changes, or a combination of these approaches. The psychiatrist may also refer you to other specialists if needed.

Follow-up visit

A follow-up visit with a psychiatrist costs $80 to $250 without insurance. These visits are typically shorter than the initial evaluation, lasting 15 to 30 minutes , depending on the treatment plan.

During follow-up appointments, you'll discuss how you're doing, how the medications are working, whether to change medications or adjust the dosages, and how any other prescribed treatment methods are progressing. The psychiatrist will make changes to the treatment plan if needed.

Additional costs

Depending on the diagnosis and treatment plan, you may also encounter additional costs for other testing or treatments, including:

Prescription medications

Lab work and other physical health tests

Cognitive Behavioral Therapy (CBT), Interpersonal Therapy (IPT), or behavioral therapy

Eye Movement Desensitization and Reprocessing (EMDR) therapy

Biofeedback or neurofeedback therapy

Genetic testing

Psychiatrist cost with insurance

The cost of a psychiatrist visit with insurance depends on the insurance plan, coverage terms, and the individual psychiatrist's rates. These factors impact your out-of-pocket cost:

Co-pay – A co-pay is the flat fee you must pay to visit a healthcare provider. The amount varies from free to $100+ , depending on the insurance company, plan, and type of treatment or service.

Coinsurance – Some plans require patients to pay a coinsurance amount instead of a co-pay. The coinsurance amount is a percentage of the healthcare provider's total visit fee.

Deductible – A deductible is the minimum amount you must pay out of pocket before your insurance covers any medical costs. If you have not met your annual deductible, you'll be responsible for paying the full cost of the visit and any additional treatments the psychiatrist prescribes.

In-network vs. out-of-network – A visit with an in-network psychiatrist costs much less than seeing an out-of-network provider that doesn’t partner with your insurance company.

Referral – Some insurance plans require patients to get a referral from their primary care physician before seeing a specialist. If you need a referral to see a psychiatrist, you'll pay a standard co-pay or coinsurance fee to see your primary doctor first.

A woman talking with a psychiatrist

What is a psychiatrist?

A psychiatrist is a licensed medical doctor (MD) who specializes in diagnosing and treating mental health conditions, emotional disorders, and behavioral disorders. Psychiatrists can order a wide range of medical tests and psychological assessments to help them make a diagnosis and determine the best treatment approach.

When to see a psychiatrist

Consider seeing a psychiatrist if you're suffering from a mental health condition that negatively impacts your life, such as feeling sad all the time, experiencing panic attacks, having difficulty focusing, or dealing with an eating disorder.

Psychiatrists commonly diagnose and treat these conditions and more:

Depression or apathy

Thoughts of suicide or self-harm

Anxiety or panic attacks

Attention Deficit Hyperactivity Disorder (ADHD) / Attention Deficit Disorder (ADD)

Eating disorders, including Binge Eating Disorder, Anorexia Nervosa, and Bulimia Nervosa

Autism Spectrum Disorder (ASD)

Bipolar Disorder

Obsessive-Compulsive Disorder (OCD)

Post-Traumatic Stress Disorder (PTSD) or Complex PTSD

Schizophrenia

Insomnia, nightmares, or other sleep problems

Substance abuse or addiction

What is the difference between a psychiatrist and a psychologist?

A psychiatrist is a medical doctor and can prescribe medication. A psychiatrist conducts an evaluation, makes a diagnosis, and develops a treatment plan that may include medication, therapy, or other approaches. However, many psychiatrists don't offer talk therapy and will refer you to a psychologist for that service.

In comparison, a psychologist is not a medical doctor and cannot prescribe medication. Psychologists and licensed therapists can diagnose disorders like depression, anxiety, eating disorders, or phobias and provide talk therapy, cognitive behavior therapy (CBT), and other psychotherapy treatments.

Most doctors recommend seeing both a psychiatrist and a psychologist to address your condition medically and through psychotherapy.

Factors that affect the cost of a psychiatrist visit

Insurance coverage has the biggest impact on the cost to see a psychiatrist. If you have insurance that covers psychiatric treatment, you'll be responsible for only the co-pay or coinsurance amount after meeting your annual deductible. Individuals without insurance must cover the entire cost out of pocket.

Other factors that impact the cost include:

Psychiatrist's experience – Psychiatrists with additional training and education or an established clinical practice often charge more than new psychiatrists due to the higher demand for their services.

Specialty – Psychiatrists who specialize in treating certain conditions often charge more but are more familiar with the symptoms and challenges that come with those conditions.

Psychiatrist vs. psychiatric nurse practitioner – Psychiatrists typically charge more than nurse practitioners. Both can make a diagnosis, prescribe medication, develop a treatment plan, and order lab work or other tests. However, some states require nurse practitioners to work under the supervision of a psychiatrist.

Location – Psychiatrists' hourly rates are highest in major metropolitan areas like New York City and Los Angeles. Though most psychiatrists now offer virtual appointments online, regulations limit doctors to treating patients located within states where they are licensed to practice.

How to find an affordable psychiatrist

Many healthcare providers offer other options to make psychiatric treatment more affordable. Look for these ways to save money:

Discounts & cash-pay prices – Ask if the psychiatrist offers reduced rates for uninsured patients or individuals with high-deductible insurance plans. Some psychiatrists offer discounts if you are paying out of pocket for the full cost of the visit.

Sliding-scale rates – Some mental health practitioners offer sliding-scale rates based on income for uninsured patients. Ask your psychiatrist about this option, as many practices offer it, but don't mention it on their website.

Prescription discounts – To save money on prescription costs, look for discount cards from the pharmaceutical company or opt for generic medications when available.

Low-cost clinics – Clinics in some communities offer mental health care at a reduced price for uninsured or low-income residents.

Student health services – Many colleges and universities provide free or reduced-cost mental health services for students.

If your condition doesn't require medication, consider scheduling an appointment with a licensed professional counselor , therapist , or psychologist , as their hourly rates are lower than psychiatrists' rates.

Psychiatrist FAQs

Can a psychiatrist prescribe medication.

Yes, a psychiatrist can prescribe medication. Your psychiatrist will determine whether medication will be beneficial for your condition, and if so, will develop a treatment plan that includes ongoing medication management.

Many psychiatric medications require titration—starting at the lowest introductory dose and gradually increasing to an effective maintenance dose—along with regular monitoring. This requires periodic follow-up visits with the psychiatrist and may also involve lab work.

Do psychiatrists prescribe medication on the first visit?

After conducting an evaluation and making a diagnosis, a psychiatrist may prescribe medication on the first visit as part of a treatment plan. However, some patients require additional assessments or lab work before receiving a prescription.

How long is a typical psychiatrist visit?

A psychiatrist visit lasts 45 to 90 minutes for the initial consultation and evaluation. The psychiatrist may ask you to fill out questionnaires and complete online or written assessments before your scheduled appointment. Follow-up sessions last 15 to 30 minutes on average.

Do you need a referral to see a psychiatrist?

Most HMO insurance plans require you to get a referral from your primary care doctor to see a psychiatrist. Many PPO insurance plans allow you to see a psychiatrist without a referral from a general practitioner. Check with your insurance provider for details.

Is a psychiatrist more expensive than a therapist?

Seeing a psychiatrist usually costs more than a therapy session because psychiatrists are medical doctors with more extensive education and training. In comparison, therapy costs $100 to $250 per session with a psychologist, therapist, or licensed mental health counselor.

How to find a psychiatrist near you

When seeking mental health treatment, it's important to find a psychiatrist who makes you feel comfortable, respected, and understood. Follow these tips to find the best psychiatrist near you :

If you have specific mental health concerns—such as depression, attention deficit disorder, or an eating disorder—look for a psychiatrist who specializes in treating that condition.

Ask your primary care doctor for recommendations.

Read reviews from other clients on Thervo and Google.

Confirm the psychiatrist accepts your health insurance.

Ask about co-pays and other treatment fees.

Schedule an initial appointment to make sure you're happy with the psychiatrist's communication style and empathy.

Questions to ask a psychiatrist

Before establishing yourself as a patient, ask the psychiatrist these questions:

What are your qualifications and areas of expertise?

Have you treated other people with this condition successfully?

What treatment methods do you offer?

Will the treatment plan involve other specialists?

What improvements can I expect, and when?

Can you prescribe medication if needed?

What are the side effects of the medication?

What happens if I discontinue my medication abruptly?

Do you accept my insurance? If yes, do you bill the insurance company directly?

Do you offer discounted or sliding-scale rates for patients without insurance?

Do you offer virtual or telehealth appointments?

Using our proprietary cost database, in-depth research, and collaboration with industry experts, we deliver accurate, up-to-date pricing and insights you can trust, every time.

Ketamine therapy cost

What Is A Psychiatrist And How Much Does One Cost?

Whether you’re seeking mental health services for a mental health condition or are trying to find the best care for your loved one, you may be wondering how much you can expect to pay for certain care and services. The mental health world involves a variety of professionals, one of whom is a psychiatrist. We’re going to cover what type of care psychiatrists provide as well as what you can expect to pay.

What is a psychiatrist?

A woman in a collared shirt is sitting at a table and working on a laptop; she has a big smile on her face.

A psychiatrist is a medical doctor. They have the same training and knowledge as your general practitioner, but they chose psychiatry as their specialty. This means they focus on diagnosing and treating mental, emotional, and behavioral disorders.

While psychologists can also diagnose and treat mental, emotional, and behavioral disorders, they cannot prescribe medications in most states in the U.S.

Why would psychiatry be my best option?

If you’re struggling with mental health concerns, you may be referred to inpatient or outpatient mental health services where a psychiatrist can assess your symptoms and potentially diagnose you with an underlying medical condition. After a psychiatric evaluation, they may prescribe medication, and they may refer you to a therapist or psychologist if they believe therapy will be helpful. They will work with you to create a comprehensive plan for treatment and recovery.

Psychiatric care may be appropriate for any number of mental health disorders, including depression and anxiety disorders, substance abuse, eating disorders, and behavioral disorders (as well as helping to address physical symptoms related to these). 

It’s important to note that different mental illnesses require different treatment plans. After a psychiatrist completes psychological testing and diagnoses a mental illness, they can help come up with the best treatment plan, whether that’s medication, psychotherapy, or a combination of both. Since medication isn’t always the best treatment option, a psychiatrist may also refer the patient’s care to another type of licensed mental health professional.

How much does a psychiatrist cost?

The cost of working with a psychiatrist will depend on where you live, your insurance, and your treatment requirements. In addition to an appointment fee, you may also need to pay for specific types of treatments, tests, and/or lab work. The average psychiatrist cost without insurance generally falls somewhere between $100 and $300 per appointment. You should expect to pay up to $500 for the initial consultation and roughly $100 an hour thereafter for follow-ups. Again, this is the out-of-pocket fee, without insurance.

If you want to work with a psychiatrist, you can call them beforehand and talk with their staff to figure out what your costs could be, including any tests you might need. In some cases, a psychiatrist may be able to work with you to make your visits more affordable. Speaking to your doctor ahead of time can also help you identify potential cost-saving treatment alternatives and/or develop a payment plan. If you’re well-prepared, you can find ways to save.

A woman in a wheelchair is in an office across from a psychiatrist; she is looking at him with a worried expression.

How can I afford a psychiatrist?

When you decide to visit a psychiatrist, remember the time and education they put into obtaining their professional license. Most psychiatrists spend four years completing a bachelor's degree, four years in medical school, and four years in a residency program. That means obtaining this care won’t be cheap. However, you can find ways to make visiting a psychiatrist more affordable.

Use your health insurance for a psychiatrist

If you have health insurance, make sure you check to see if your coverage includes a form of mental health coverage. In most cases, your insurance will require you to get a doctor’s referral for treatment from a psychiatrist. Referral costs are a common part of the healthcare continuum in the U.S. Also know that your plan may only cover a certain number of visits per year, and certain psychiatrists may not be covered under your plan. 

If your health insurance plan covers psychiatric visits, ensure the psychiatrist you choose is in your insurance network before scheduling an appointment. If you need help finding an in-network psychiatrist, you can contact your insurance provider.

Ask about sliding scales to reduce psychiatry costs

Unfortunately, not all health insurance plans cover psychiatric treatment. If your insurance coverage does not offer robust mental health care coverage, there are other options you can take to get the psychiatrist visits you need. Some community mental health clinics and the occasional psychiatrist will offer sliding scale fees. This means that the amount you are charged will depend on your income. Those with a higher income will pay a higher fee, and those with a lower income will pay a lower fee. If you’re worried that your income may not be adequate to afford services, ask your doctor about this option.

Look for a reduced cost mental health clinic in your area

In many places, there are clinics that operate at an overall reduced cost, so people with low incomes or no insurance can afford their services. Though they may offer low-cost appointments, you might have to wait to get on their schedule.

How you can save on your prescriptions

If your treatment plan requires a prescription, this can be another area where you can look to cut costs. Some people opt for less expensive generic versions of name brand medications. If you’re interested in opting for a generic version, make sure to talk to your doctor about this. 

There are also sites like GoodRx, which can show you how much your medication will cost at different area pharmacies, so you can compare costs and select an appropriate option. They also offer prescription discounts that aren’t connected with your insurance.

Consider working with other professionals

While you may want to work with a psychiatrist to diagnose your condition and prescribe any necessary medication, you may consider working with other professionals after you receive your treatment plan. Many psychiatrists will refer you to other mental healthcare providers, and often work with them by continuing to prescribe medication. If psychotherapy is part of the plan, you can explore working with a licensed professional counselor, licensed clinical social worker, or other appropriately trained professional. You can also explore online options to find a more affordable option.

Receive the help you deserve

Working through a mental health challenge and living with mental illness can be challenging. It’s important to recognize there is help out there, even if it takes some time to find a treatment option that’s right for you.

While working with a psychiatrist can be helpful, it’s not the only way to treat or manage mental illness.  Online therapy  could be a good option if the hassle of or cost of attending in-person appointments prohibits you from getting the help you need.

Research suggests that online cognitive behavioral therapy (CBT) can be  just as effective  as in-person therapy for helping manage symptoms of depression. Additional studies suggest that therapy combined with medication is often a more  effective treatment  method for anxiety and depressive disorders than medication alone.

Frequently asked questions

Do you need a referral to see a psychiatrist?

No. If you’re having mental health concerns and you would like to see a psychiatrist you don’t need a referral. Many people do end up getting referrals from their primary care doctors when mental health challenges are discovered during routine visits or checkups.

Can a psychiatrist prescribe medication on first visit?

Yes. A psychiatrist is a licensed medical professional that can prescribe medication. If your psychiatrist feels you need medication based on your session they will prescribe the best medication for you. This process is the same — even if this is your first visit.

What medications do psychiatrists prescribe for anxiety?

Psychiatrists and medical professionals prescribe antidepressants and anti-anxiety medications to treat anxiety and its related conditions. Selective serotonin reuptake inhibitors (SSRIs) are commonly prescribed medications for anxiety. Serotonin-norepinephrine reuptake inhibitors are another example of a class of drugs prescribed to treat anxiety and depression.

What would you see a psychiatrist for?

People visit psychiatrists for a variety of issues with moderate to severe mental illness. Psychiatrists prescribe medication for people who require it and make referrals for counseling and therapy as an extension of treatment.

What happens at your first psychiatrist appointment?

When you visit your psychiatric for the first time, your doctor will provide psychiatric support and advice in the form of a treatment plan. Your treatment plan outlines what methods, medications, and psychotherapy techniques will be used during the course of mental health treatment.

What does a psychiatrist do for anxiety?

When you visit a psychiatrist for anxiety, you can expect to receive a diagnosis, a recommendation for psychotherapy services, and medication if your condition is moderate or severe. Your psychiatrist will likely recommend therapy sessions with a licensed provider to help mitigate anxiety symptoms.

What happens during a psychological evaluation?

During a psychological evaluation, your mental health provider will ask you a series of questions about your history. Based on how you answer the questions about your life, history, experiences, and events, your provider will make an assessment or diagnosis.

Can a psychiatrist diagnose?

Yes. A psychiatrist is a licensed medical professional like a primary care physician who can diagnose and treat mental illness and other mental health-related issues. A psychiatrist is also licensed to write prescriptions for mental health medications.

When should I consult a psychiatrist?

How do I know I need psychiatric help? What should I tell my psychiatrist for the first time? What should I tell my first psychiatrist appointment? What are the 5 signs of mental illness? What are the 3 signs of a mental disorder? What are the 7 signs of a mental disorder?

How Can I Find A Psychiatrist Near Me?

Psychiatry books by famous psychiatrists, finding mental health support can be challenging, top categories.

  • Relationships and Relations

Cost of psychiatrist visit by state

The following estimated costs are based on cash prices that providers have historically charged on average for psychiatrist visit and will vary depending on where the service is done. The prices do not include the anesthesia, imaging, and other doctor visit fees that normally accompany psychiatrist visit.

Need help to cover that price?

See how Sidecar Health insurance can help cover your medical needs.

What is the purpose of seeing a psychiatrist?

Visiting a psychiatrist can help you diagnose and treat your mental or behavioral disorder. You may need to see a psychiatrist for treatment if you’ve been diagnosed with a mental health condition or personality disorder, such as bipolar disorder or schizophrenia. Psychiatrists also treat people with behavioral problems, like eating disorders or substance abuse and addiction.

What can I expect at a psychiatrist appointment?

During your psychiatrist appointment, your doctor may check your vitals, run blood tests, or conduct psychological testing to help understand and treat your condition. After assessing your mental and physical conditions, your psychiatrist works with you to create a treatment plan to help manage your health problems.

Once you are diagnosed and a treatment plan is developed, you will receive treatment during your psychiatrist appointments. Depending on your needs, this may include prescribing medications, such as antidepressants, antipsychotics, sedatives or stimulants, and mood stabilizers.

Different medications are used to treat specific mental disorders. You may also receive psychotherapy during your appointment. It’s commonly used alongside medications to manage disorders.

How long is a typical psychiatrist appointment?

The first appointment with a psychiatrist is called an intake appointment. It may last over an hour so your doctor can learn about your medical and psychiatric history. They need to know the current medications you take and any psychiatric medications you have previously taken.

They will also ask you questions and perform physical tests. Your future appointments may be shorter depending on what treatments your psychiatrist recommends.

Do psychiatrists prescribe medication on the first visit?

Once a diagnosis is made, your psychiatrist develops a treatment plan for you that may include prescribing medications. Sometimes patients attend several appointments before they’re diagnosed and given medication, while others may receive medications sooner.

What does a psychiatrist do for anxiety?

A psychiatrist may use psychotherapy and SSRI medications to treat patients diagnosed with an anxiety disorder. These medications help block your body from reabsorbing serotonin, and the excess amount helps improve your mood and lower your anxiety levels.

Psychiatrists also prescribe benzodiazepine medications that provide short-term relief to patients experiencing acute anxiety attacks. These medications can be habit forming and are only intended for emergency use.

How do I know if I need psychiatric help?

If you’re suffering from a mental health condition that is impacting your life, you may need psychiatric help. This includes sudden changes, such as feeling intense panic or fear, or more chronic conditions like depression.

If life feels overwhelming or you don’t know how to deal with your mental health problems, visiting a psychiatrist can help.

* Savings estimate based on a study of more than 1 billion claims comparing self-pay (or cash pay) prices of a frequency-weighted market basket of procedures to insurer-negotiated rates for the same. Claims were collected between July 2017 and July 2019. R.Lawrence Van Horn, Arthur Laffer, Robert L.Metcalf. 2019. The Transformative Potential for Price Transparency in Healthcare: Benefits for Consumers and Providers. Health Management Policy and Innovation, Volume 4, Issue 3.

Sidecar Health offers and administers a variety of plans including ACA compliant and excepted benefit plans. Coverage and plan options may vary or may not be available in all states.

Your actual costs may be higher or lower than these cost estimates. Check with your provider and health plan details to confirm the costs that you may be charged for a service or procedure.You are responsible for costs that are not covered and for getting any pre-authorizations or referrals required by your health plan. Neither payments nor benefits are guaranteed. Provider data, including price data, provided in part by Turquoise Health.

The site is not a substitute for medical or healthcare advice and does not serve as a recommendation for a particular provider or type of medical or healthcare.

Need help? Call us at (833) 966-4233

average cost psychiatrist visit without insurance

How much does a psychiatrist cost without insurance? Understanding psychiatric provider rates and more

average cost psychiatrist visit without insurance

  • When seeking mental health services from a psychiatric provider, cost is an important factor for many individuals—and you may also be curious about whether your care will be covered by insurance.
  • Psychiatric providers who are in-network with your insurance company will always be more affordable than one who isn’t.
  • Typically, psychiatric providers will charge between $100-500 per hour for their services, but their rates will vary depending on their experience and the services they’re providing you.
  • Compared with family doctors or psychologists, psychiatric providers may charge higher rates because they are typically considered specialists who often (but not always) work through referrals.
  • Check with your insurance company, and reach out to your psychiatric provider’s office for more clarification on what you can expect to pay after your next visit.

When you seek out mental health services, inevitably the question of cost becomes a factor. How much will you end up paying? Will your insurance cover your visits? And if you don’t have insurance, you may wonder, “How much does a psychiatrist cost without insurance?” 

While getting an exact cost before your psychiatric appointment may not be completely possible, comparing psychiatric services to the rates of other mental health professionals can give you a rough estimate of what to expect. 

Psychiatrist talking to young couple in his office

How Much Does a Psychiatrist Cost with Insurance? 

Working with a psychiatrist who accepts insurance is always going to be the more affordable option. So, if you have insurance, start by checking in with your insurance provider who may be able to provide an estimate. Or, call the office or contact number of the psychiatric provider, and, depending on the services you’re needing, they may be able to tell you. 

The exact cost will depend on insurance accepted by the psychiatrist vs. insurance coverage on your insurance policy. It’s also worth noting that telepsychiatry is often the same price as an in-person visit, as the only difference is the location of the appointment, not the actual services involved. 

How Much Does a Psychiatrist Cost Per Hour? 

Psychiatrist hourly rates will vary depending on: 

  • The provider’s location
  • Services they provide
  • The provider’s experience level
  • Whether your visit is covered by insurance
  • And other unique variables

Typically, a psychiatrist or psychiatric provider will have self-pay rates around $100-500 with a median of $200 per hour on average. Providers with more experience and expertise often charge higher hourly rates. 

Want to talk to a psychiatric nurse practitioner?

Start working with one of our top-rated providers. We have availability now and accept most major insurances.

Is a Psychologist Cheaper Than a Psychiatrist?

The rate for a psychologist is normally cheaper than a psychiatrist, yes. This is related to education and prescribing rights (the ability to prescribe antidepressants and other medication) that psychiatrists have over psychologists—but this is not always the case.

In some states, psychologists may also have the privilege to prescribe medications as needed. 

Why Do a Lot of Psychiatrists Not Take Insurance?

Certain psychiatrists and psychiatric providers do not take insurance for various reasons, including:

  • The psychiatrist not being credentialed or approved by a particular insurance company 
  • By choice due to the limits that some insurance companies place on care delivered by providers 

Those who are frustrated by psychiatric providers that are not in network with their insurance provider should consider whether it’s worth taking a little time to find one who is. 

Why Do Psychiatrists Charge More than Other Providers? 

Psychiatrists may have a higher rate when compared to medical or family doctors. This increase in cost is related to a psychiatrist being considered a specialist when compared to a medical or family practice doctor characterized as general practice. 

Specialists typically require a higher rate of pay. So if you’re paying out of pocket, give their office a call—and touch base with your insurance provider. 

Though psychiatric services may sound expensive, some providers (like Thriveworks ) do work with insurance companies to offer clients affordable care.

Published Apr 20, 2023

Our clinical and medical experts , ranging from licensed therapists and counselors to psychiatric nurse practitioners, author our content, in partnership with our editorial team. In addition, we only use authoritative, trusted, and current sources. This ensures we provide valuable resources to our readers. Read our editorial policy for more information.

Thriveworks was established in 2008, with the ultimate goal of helping people live happy and successful lives. We are clinician-founded and clinician-led. In addition to providing exceptional clinical care and customer service, we accomplish our mission by offering important information about mental health and self-improvement.

We are dedicated to providing you with valuable resources that educate and empower you to live better. First, our content is authored by the experts — our editorial team co-writes our content with mental health professionals at Thriveworks, including therapists, psychiatric nurse practitioners, and more.

We also enforce a tiered review process in which at least three individuals — two or more being licensed clinical experts — review, edit, and approve each piece of content before it is published. Finally, we frequently update old content to reflect the most up-to-date information.

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How To Find and Choose a Good Psychiatrist

Want to talk to a psychiatric nurse practitioner? We have over 2,000 providers across the US ready to help you in person or online.

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Tamiqua Jackson, PMHNP

Tamiqua Jackson is a Psychiatric Mental Health Nurse Practitioner (PMHNP) and Family Nurse Practitioner (FNP) in the states of North Carolina and Tennessee. Tamiqua has over 8 years of experience in advanced practice. She enjoys working with patients who may be experiencing depression, anxiety, attention deficit/hyperactivity disorder (ADHD), stress, sleep disorders, and other mental health issues that may affect everyday life. Tamiqua is compassionate and serves as a patient advocate.

Christine Ridley, Resident in Counseling in Winston-Salem, NC

Christine Ridley, LCSW

Christine Ridley is a Licensed Clinical Social Worker who specializes in adolescent and adult anxiety, depression, mood and thought disorders, addictive behaviors, and co-dependency issues.

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Jason Crosby

Jason Crosby is a Senior Copywriter at Thriveworks. He received his BA in English Writing from Montana State University with a minor in English Literature. Previously, Jason was a freelance writer for publications based in Seattle, WA, and Austin, TX.

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Signs Your Antidepressant Dose Is Too Low or High

The information on this page is not intended to replace assistance, diagnosis, or treatment from a clinical or medical professional. Readers are urged to seek professional help if they are struggling with a mental health condition or another health concern.

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Price Transparency

How much does a doctor’s visit cost without insurance.

Michael Barber

According to the Agency for Healthcare Research and Quality, the average cost of a visit to the doctor’s office in 2016 was $265, with expenses ranging from $159 to $419 depending on the specialty.

  • At an urgent care center you can expect to pay between $100-200 to see a provider, plus the cost of any treatments or testing you may need.
  • Always ask for pricing information before you agree to any testing or treatment. You are entitled to this information.

Going to the doctor for any reason can be expensive. Without insurance, you can expect to pay approximately anywhere from $50–$350 just for a routine medical exam, which doesn’t include additional expenses such as x-rays , blood tests, or other lab work.

How Much Does a Doctor’s Visit Cost Without Insurance?

The cost of a doctor's visit

According to Solv’s Chief Medical Officer, Dr. Rob Rohatsch, the cost of a doctor’s visit can vary widely depending on factors such as:

  • The type of doctor you are seeing
  • The reason for your visit
  • Where you see the doctor, for example, if you go to an urgent care facility or a doctor’s office
  • Whether you are a new or established patient
  • Any necessary tests or treatments
  • Whether you need lab work

Visits to specialists such as primary care providers, pediatricians, and psychiatrists were lower than the average cost, while the most expensive doctor’s visits were for orthopedists and cardiologists.

Data from the Agency for Healthcare Research and Quality indicates that if you are visiting a doctor and don’t have insurance, you can expect to pay roughly the following amounts. The cost could vary depending on the factors listed above.

  • Psychiatry: $159
  • Pediatrics: $169
  • Primary care: $186
  • Dermatology: $268
  • OB/GYN: $280
  • Ophthalmology: $307
  • Cardiology: $335
  • All other: $365
  • Orthopedics: $419

Additionally, if you are a new patient, there may be an additional charge associated with your new patient exam.

Where to see a doctor without insurance

If you don’t have insurance, the cost of your doctor’s visit can also be affected by where you go to see the doctor. There are many places you can seek medical care, some of which are more affordable than others, notes the Agency for Healthcare Research and Quality:

  • Community health clinics often provide free medical care or low-cost care, including preventive care, health screenings, and vaccinations .
  • Urgent care centers offer many health services. Many don’t require appointments, although your wait time may be less if you schedule an appointment in advance. You can expect to pay around $100 - $200 to see an urgent care provider, plus the cost of any treatments or testing you may need.
  • Many health care facilities now offer telehealth services, which are often more convenient and more affordable. For some conditions, however, you may need to be seen in person for proper diagnosis and treatment.
  • If your medical need is not urgent, and you know the type of doctor you need to see, you can schedule an appointment with a primary care physician or a specialist at their office. Be sure to ask about their payment policy in advance. If you don’t have insurance, you may be required to pay the entire bill at the time of service.
  • If you have a medical emergency, you can visit the nearest emergency room. Even if you don’t have insurance, you will be able to receive treatment. However, this is typically the most expensive option. If you have a non-emergency medical condition that can wait until you can be seen at one of the other options, you will likely save money.

Paying self-pay prices for doctor’s visits

Even if you have insurance, you may be able to save money by paying cash for certain medical services. While preventive care may be covered at 100% by your insurance company, other tests and treatments may be applied to your deductible. If you have a high deductible and don’t expect to meet it – especially if it’s late in the calendar year – paying cash for your medical care may be a cheaper option.

Most doctor’s offices and health care providers charge a higher price when they bill the insurance company. For example, they may charge the insurance company $70 for a treatment or service, but if the patient is paying cash, they may only charge $60. This is known as the self-pay price . If you pay cash, the claim won’t be submitted to your insurance company, but you could end up saving money.

Always ask for pricing information before you agree to any testing or treatment. You are entitled to this information. As of 2021, hospitals are required to disclose self-pay prices, even when the patient has insurance. If the doctor’s office won’t provide you with this information, be persistent, or seek care somewhere else. If you plan on paying self-care prices, you aren’t limited to the providers in your insurance network. You’ll have a wider range of options to choose from, and you can choose a provider who is willing to provide fair, clear prices.

Let your doctor’s office know that you are paying out of pocket, and ask if they offer a discount for self-pay patients. Many doctor’s offices will offer special rates for patients who are paying cash or who do not have insurance; however, they may not advertise these rates, so it’s always a good idea to ask.

Know what you’ll pay ahead of time with Solv ClearPrice TM

According to Healthcare Finance News, more than half of Americans avoid going to the doctor when they’re sick due to high medical costs or unclear costs. Solv is committed to eliminating surprise medical bills with Solv ClearPrice™ . We partner with thousands of providers across the country who have agreed to display self-pay prices for their services. When you book an appointment on Solv, you will be able to see the self-pay price for many common services.

To schedule an appointment, search our directory for a provider in your area. Begin typing the service you are looking for, and choose from the list of options that appear. If you aren’t sure which type of doctor you need to see, you may want to try an urgent care clinic or a walk-in clinic . In many cases, you can schedule an appointment quickly and conveniently online, and many of our providers have same-day or next-day appointments available.

Frequently asked questions

What factors affect the cost of a doctor's visit, what is the average cost of a visit to the doctor’s office, are there any additional charges for new patients, where can i seek medical care if i don't have insurance, what is the self-pay price, are hospitals required to disclose self-pay prices, can i get a discount if i'm paying out of pocket, what is solv clearprice™.

Michael is an experienced healthcare marketer, husband and father of three. He has worked alongside healthcare leaders at Johns Hopkins, Cleveland Clinic, St. Luke's, Baylor Scott and White, HCA, and many more, and currently leads strategic growth at Solv.

Rob Rohatsch

Dr. Rob Rohatsch currently serves as Chief Medical Officer for Solv Health. Dr. Rohatsch brings his extensive background in multi-site ambulatory medicine operations, on-demand healthcare, and consumerism to Solv, where he helps drive strategic initiatives in a cross functional executive role. He brings comprehensive healthcare expertise ranging from medical group operations to revenue cycle management and clinical expertise. 

Dr. Rohatsch completed his military service in the US Air Force and earned his MD from Jefferson Medical College of Thomas Jefferson University. Dr. Rohatsch served on the Yale School of Medicine faculty teaching at the medical school and is currently on faculty at the Haslam School of Business at the University of Tennessee teaching in the Executive MBA Program. He also serves on several boards and chairs The TJ Lobraico Foundation.

Solv has strict sourcing guidelines and relies on peer-reviewed studies, academic research institutions, and medical associations. We avoid using tertiary references.

  • Agency for Healthcare Research and Quality: Expenses for Office-Based Physician Visits by Specialty and Insurance Type, 2016 https://meps.ahrq.gov/data_files/publications/st517/stat517.shtml
  • Hospital Price Transparency, Centers for Medicare and Medicaid (2022) https://www.cms.gov/hospital-price-transparency
  • More than half of Americans have avoided medical care due to cost (2019) https://www.healthcarefinancenews.com/news/more-half-americans-have-avoided-medical-care-due-cost
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How Much Does A Psychiatrist Cost?

It’s not uncommon for people to use the labels “psychiatrist” and “psychologist” interchangeably, but these are two very different jobs with different responsibilities, educations, and professional scope. Understanding the difference between the two can help you know which professional may be right for you and be better suited for your mental health care.

Psychiatrist

A psychiatrist is a medical doctor. For all intents and purposes, they have the same training and knowledge as your general doctor, but they chose psychiatry as their specialty. Because of their training and background, psychiatrists can prescribe medications to treat your condition.

This likely means psychiatrist visits will be more costly than when you choose other types of mental health professionals to work with and when you are considering how much does a psychiatric cost. They may include medication as part of your treatment plan, and they may refer you to another professional like a psychologist for talk therapy. Although medication is necessary in some instances, talk therapy offers more long-term treatments; this is why a psychiatrist often works alongside a psychologist or therapist.

Psychologist

Psychologists typically obtain their Ph.D. or PsyD in psychology. In general, psychologists tend to approach mental health treatment with psychotherapy and theories, so they can evaluate, assess, diagnose, and treat mental health conditions. Unlike psychiatrists, psychologists are not able to prescribe medication. For medication management, you will instead need to take advantage of psychiatric care.

Why Would Psychiatry Be My Best Option?

If you’re struggling with mental health concerns, a psychiatrist will assess you for an underlying medical condition that could be causing your symptoms. They may prescribe medication, and they may refer you to a therapist or psychologist if they believe therapy will be helpful. They will work with you to create a comprehensive plan for your psychiatric treatment and recovery. You must take all these things into account when calculating how much does a psychiatrist cost and if the care is a good idea for you.

The cost of working with a psychiatrist will depend on where you live, your insurance provider, and your treatment requirements. In addition to their fee, certain psychiatric care, tests, and lab work all have various costs to consider. The average psychiatrist’s fee generally falls somewhere between $100 and $300 per appointment. You should expect to pay up to $500 for the initial consultation and roughly $100 an hour thereafter for follow-ups. This can fluctuate depending on the doctor and your health insurance. For this reason, how much does a psychiatrist cost is a question that has no definite answer.

If you want to work with a psychiatrist, be sure to visit or call them and have a talk with their staff to figure out what your costs could be, including any tests you might need. In some cases, a psychiatrist may be able to work with you to make your visits more affordable. Speaking to your doctor ahead of time can also help you identify cost-saving treatment alternatives where possible. If you’re well-prepared, you can find ways to save money. Keep in mind that they can provide you with professional medical advice, much like your physician. This is why their costs may be higher than with other mental health professionals.

How Can I Afford a Psychiatrist?

While quality treatment won’t come cheap, there are options to help you make it more affordable for you. You can find a way to afford the in person care you need.

Use Your Health Insurance

Your insurance provider is the easiest way to reduce the costs associated with getting treatment. Make sure you check to see if your insurance coverage includes a form of mental health coverage. In most cases, your health insurance will require you to get a doctor’s recommendation for treatment from a psychiatrist. This could lead to you having to pay referral costs. Also know that your plan may only cover a certain number of visits per year, and certain psychiatrists may not be covered under your plan. If you wish to mitigate costs via insurance, ensure the psychiatrist you choose is in your insurance in network providers before scheduling an appointment.

You should also be aware of the conditions of the Affordable Care Act , which was passed by the federal government that states that many healthcare providers must cover mental health problems, including things like substance abuse disorder services, and the in person care associated with treating them. If you don’t know the specifics of your plan, talk to your insurance provider about the outpatient mental health services that are available and what part you can expect the insurance cover. In some instances, you may qualify for financial assistance on mental health services as well. Check the details of your insurance coverage for the most detailed information or talk to your agent.

If you are trying to find a children’s health insurance program that offers behavioral health services or other mental health coverage options, you should talk to your health insurance company a out in network providers that provide services that are specifically for children.

Ask About Sliding Scales

Some community mental health clinics and the occasional psychiatrist will offer to price their psychiatric costs on a sliding scale. This means that the amount you are charged will depend on your income. Those who make more will pay more, so to speak. This may be beneficial if you are paying your psychiatrist cost without insurance. If you’re worried that your income may not be adequate to afford services, ask your primary care doctor about this option. They may be able to give you more details on how to save money when it comes to treating a mental health issue.

You may also talk to your employer about an employee assistance program, which may be useful in some fields or through certain companies. This type of program allows for you to take advantage of free or low cost mental health or behavioral health services when they are of a personal nature or work related.

Look for A Reduced Cost Mental Health Clinic in Your Area

In many places, there are clinics that operate at an overall reduced cost, so people with low incomes or no insurance can afford their services. Though they may offer low-cost appointments, you might have to wait for a while to get on their schedule. These clinics may be a good idea if you are wondering how to pay a psychiatrist cost without insurance.

Try to Save On Your Prescriptions

If your treatment turns out to require a prescription, this can be another area where you can cut costs. Some people opt for generic versions of the popular name brand medications. If you’re interested, make sure to ask for this at the outset if possible; you don’t want to switch medication during treatment unless you’re told to do so. There are also sites like GoodRx, which can show you the cheapest place to find your medication in your area. They’ll also offer discounts that aren’t connected with your insurance. This could also be handy for medication management.

Don’t Let High Prices Stop You from Getting Help

Counselor Reviews

“I have not been working with Andrea for long but I have found her to be compassionate and adaptable. I would recommend her to people who need help processing complex trauma and have found other talk therapy approaches unhelpful. She understands that while I practice and find merit in CBT type thought therapy, doing thought exercises while in the middle of a PTSD episode is unlikely to be possible. A person having flashbacks during an acute crisis is unlikely to be capable of doing thought exercises. Andrea seems to naturally understand something important that most medical professionals, in my extensive experience as both a worker and a patient, seem to miss these days: telling a person who is literally dying slowly and painfully that they should be able to meditate away that pain and carry on as normal without any medication or outside emotional support , is ridiculous. Andrea has been a breath of fresh air in that regard. She helped me realize that if a doctor or therapist isn’t able to empathize and they are approaching my problems cynically and with indiscriminate doubt, they cannot help me. Andrea is the first person in a long time that inspired me to hope they can help and trust that they will at the very least try.”

“I love working with Nancy! She’s been very empowering, very compassionate and very understanding. Whenever I text or even video call, I know she’ll be there for me and that she’ll provide me with an insight that will help me find my way. I’ve been really appreciative of this counseling services and I am so very glad I made the decision to do counseling. It’s an investment in ones health. I’ve been on psychotic meds for a whole decade and while medications numb the pain, they do not resolve it. Counseling does! I am definitely continuing to work with Nancy.”

You Are On the Right Path

The first step in dealing with mental health issues is acknowledging they exist. Then you can seek help. If that’s why you’re here, you’re already on the right path. Millions of others just like you have found effective treatments to heal from mental health issues. You can, too. Take the  first step  today. Be sure that you are also considering all your options when it comes to taking advantage of psychiatric treatment or mental healthcare. There are options to consider when it comes to saving money or making the most of your health insurance coverage, including sliding scales, local clinics, and a related employee assistance program.

Do you need a referral to see a psychiatrist?

No. If you’re having mental health concerns and you would like to see a psychiatrist you don’t need a referral. Many people do end up getting referrals from their primary care doctors when mental health challenges are discovered during routine visits or checkups. However, you can schedule a psychiatrist visit whether you have a referral from a doctor or not, although sometimes your health insurance may require one.

Can a psychiatrist prescribe medication on first visit?

Yes. A psychiatrist is a licensed medical professional who went to medical school, that can prescribe medication. If your psychiatrist feels you need medication based on your session they will prescribe the best medication for you. This process is the same — even if this is your first visit. They are a type of doctor, so you can trust that they are providing the most professional medical advice available for your mental health condition.

What medications do psychiatrists prescribe for anxiety?

Psychiatrists and medical professionals prescribe antidepressants and anti-anxiety medications to treat anxiety and its related conditions. Selective serotonin reuptake inhibitors (SSRIs) are commonly prescribed medications for anxiety. Serotonin-norepinephrine reuptake inhibitors are another example of a class of drugs prescribed to treat anxiety and depression.

What would you see a psychiatrist for?

People visit psychiatrists for a variety of issues with moderate to severe mental illness. Psychiatrists prescribe medication for people who require it and make referrals for counseling and therapy as an extension of treatment. You can also visit a psychiatrist for a psychiatric evaluation, which will allow them to determine what type of mental health treatment is most required.

What happens at your first psychiatrist appointment?

When you visit your psychiatric for the first time, your doctor will provide psychiatric support and advice in the form of a treatment plan. Your treatment plan outlines what methods, medications, and psychotherapy techniques will be used during the course of mental health treatment.

What does a psychiatrist do for anxiety?

When you visit a psychiatrist for anxiety, you can expect to receive a diagnosis, a recommendation for psychotherapy services, and medication if your condition is moderate or severe. Your psychiatrist will likely recommend therapy sessions with a licensed provider to help mitigate anxiety symptoms.

What happens during a psychological evaluation?

During a psychological evaluation, your mental health provider will ask you a series of questions about your history. Based on how you answer the questions about your life, history, experiences, other factors, and events, your provider will make an assessment or diagnosis.

Can a psychiatrist diagnose?

Yes. A psychiatrist is a licensed medical professional like a primary care physician who can diagnose and treat mental illness and other mental health related issues. A psychiatrist is also licensed to write prescriptions for mental health medications.

How much does it cost to be evaluated by a psychiatrist?

When you are trying to determine the approximate psychiatry cost to expect, this may be different, depending on the doctor you choose to work with. Since psychiatrists are medical doctors, treatment costs might be more than with another mental health professional. In other words, a psychiatrist cost will be different depending on the doctor and what services you need from them.

Psychiatrist cost with insurance will be substantially less than psychiatrist cost without insurance as well, so you may need to talk to friends and loved ones you know, who may be able to provide more information regarding amounts. You can do an internet search for more details.

You can talk to your doctor ahead of time to determine what the cost will be or refer to your insurance plan to find out your deductible and to learn more about in network psychiatrists that you can work with.  

Is a therapist cheaper than a psychiatrist?

You might be curious about how much does a psychiatrist cost, and the answer is different, depending on the doctor you visit. Treatment costs may differ from one professional to the next and can change substantially due to your health insurance plan. While your plan may cover mental health care, it may not cover the costs associated with all types of mental health professionals. You will need to speak to both the professional you want to work with as well as your insurance company to find out the specific costs and what type of mental health care is most cost effective.

Are psychiatrists worth it?

If you are wondering whether you should take advantage of a psychiatrist visit and the psychiatrist cost associated with one, this is up to you. A psychiatrist is a doctor, so you will likely be receiving the best care when you opt for their services. Also, your health insurance provider may cover some of the costs associated with this type of mental healthcare. If you want to learn more about health insurance plans that will cover psychiatric treatment, you can look online for more information. You may find a plan that can lower out of pocket expenses when it comes to visiting with any type of mental health professional. Then it will be up to you to decide which type of therapy you want to take advantage of.

What should I not tell a psychiatrist?

When you are utilizing psychiatric services, you should be able to talk to a professional about whatever you are comfortable discussing. During your initial consultation, you may determine if you trust them and whether you feel free to engage with them in the future. If you are comfortable with them right away, you should continue to talk to them about whatever you need to. This includes your mental health concern, symptoms you are experiencing, including physical symptoms, and anything else that is on your mind. If you don’t feel comfortable, it may be necessary to find another psychiatrist that is covered by your health insurance provider.

How do I know if I need a psychiatrist?

If you want to take advantage of the services of a psychiatrist, you can consider getting a psychiatric evaluation. This is essentially the way to determine what mental health services will be appropriate for you. Mental health tests will be conducted to determine treatment options that may be beneficial. If you are experience a mental health disorder, this type of evaluation will be helpful and can dictate what care you should consider. Some of the services may be covered by your health insurance as well.

Frequently Asked Questions (FAQs)

How much is a psychiatrist fee for service?

Is consulting a psychiatrist expensive, how do i ask for a therapy fee, why do psychiatrists cost so much, is psychiatric treatment expensive, is therapy more effective when people pay a fee for it, how do you explain fees to clients, what to do if a therapy client doesn't pay, how much does a psychological cost, what are the costs of mental illness, which is more expensive psychologist or psychiatrist, why do you need a psychiatrist, can a psychiatrist give therapy, which type of psychiatrist makes the most money, how long does psychological treatment last.

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How Much Does a Doctor Visit Cost With and Without Insurance?

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Without insurance, medical care can get pricy fast. Where you live, what doctor you’re going to, and what tests you need will all figure into your doctor’s visit bill. In this article, we’ll break down those costs and give you some tips for saving money.

What Goes into the Cost of a Doctor’s Visit?

Geography is one of the biggest factors in the price of a doctor’s visit. Most medical facilities pass some of their overhead expenses onto their patients. If you live somewhere with a higher cost of living, like California or New York City, you’ll likely pay more for doctors’ visits. The practice has to pay more for utilities and rent, and those costs show up in your bill. For example, Mayo Clinic’s Patient Estimates tool quotes $846 for a 60-minute office visit in Jacksonville, Florida, but $605 for the same visit in Wisconsin.

Like the cost of living, supplies and equipment will also end up on your tab. Say you need a strep test, blood draw, or Pap smear. The supplies needed for the test plus the cost of the lab fees will all figure into the price.

Bills for the same exams and procedures can also vary depending on what kind of facility you’re going to. Smaller practices and public health centers are often a lot cheaper than university or private hospital systems. This is due in part to their buildings being smaller and their overhead fees being lower.

Price of Out-of-Pocket Doctors’ Visits

The cost of a doctor’s office visit also depends on what kind of doctor and the procedure you need to have done. For example, an in-office general wellness checkup will be cheaper than a specialist procedure. If you have an emergency, an urgent care center will be much more affordable than the emergency room.

Primary Care Physician — Physical Exam

Physicals usually include blood pressure readings, cholesterol measurements, and vaccines. Prostate exams for men and Pap smears and breast exams for women are also often included. Pediatric physicals focus on the growth milestones for your child’s age. Doctors check height, weight, sleep patterns, diet, and the vaccines required by public schools.

The range for a yearly physical can be anywhere from $100 to $250 or more without insurance. A CVS Minutecare Clinic may charge just $59 for a sports physical, but not all organizations will accept this as proof of physical health.

Primary Care Physician — Procedures

On top of the base cost for physical exams, you may have extra charges for any specific tests or procedures you need. According to the Cardiometabolic Health blog, the most common procedures in primary care medicine include bloodwork, electrocardiograms, and vaccines/injections.

Bloodwork is one of the biggest cost wild cards. Certain tests can run you from as little as $10 to as much as $10,000 . Large national labs like Labcorp offer pricing on their website, so you know what to expect going in. For example, Labcorp’s General Health Blood Test , which includes a metabolic panel, complete blood count (CBC), and urinalysis, costs $78.

Electrocardiograms or EKGs check your heart health and can find cardi ac issues. This quick procedure involves monitoring your heartbeat through electrodes placed on your skin. While it’s a painless and accurate way to detect heart conditions, the costs can add up without insurance. Expect to pay as little as $410 or as much as $1700 for this procedure, depending on local prices.

Vaccines are often required before sending your kids to school. The CDC publishes a vaccination price list annually to give you an idea of what to expect. For example, they quote $19-$132 for DTaP, $21 for Hepatitis A, and $13-$65 for Hepatitis B. The COVID-19 vaccine, however, is free of cost, regardless of insurance status.

Urgent Care Visit

If you have an emergency but are stable, urgent care is much cheaper than the emergency room. According to Scripps , most urgent care centers and walk-in clinics can at least treat dehydration, cuts or simple fractures, fever, flu, strep, and UTIs. Note that if you have chest pain, a serious injury, seizures, a stroke, or pregnancy complications, you should go straight to the ER .

For a base exam at an urgent care facility, expect to pay between $100-$150 . That price will go up depending on what else you need. For example, Advanced Urgent Care in Denver quotes $80 for an X-Ray, $50 for an EKG, $135 for stitches, and $5 for a urinalysis. In comparison, expect to pay $1,000-$1,300 for the same procedures in the emergency room.

How to Lower Your Out-of-Pocket Medical Costs

Doctor calculating how much a visit costs

Healthcare expenses may seem overwhelming without insurance. Luckily, there are many resources available to help you cover the costs.

Free & Low-Cost Immunization and Wellness Clinics

For standard vaccines and checkups, look for local free or low-cost clinics. Check out The National Association of Free and Charitable Clinics’ search tool to find a location near you. Your city’s public health department should also offer free or low-cost vaccines and basic medical care services.

Certain large vaccine manufacturers also offer vaccine programs. For example, Merck’s patient assistance program offers 37 vaccines and medicines free to eligible patients. The program includes albuterol inhalers and vaccines for Hepatitis A, Hepatitis B, MMR, and HPV.

Cash Negotiations

Most health systems offer lower rates for patients paying cash. Some even have free programs for low-income families. For example, Heritage UPC in North Carolina has a yearly membership for low-cost preventative care. In Northern California, the Sutter Health medical system offers full coverage for patients earning 400% or less of the Federal Poverty Income Guideline .

As of January 1, 2021, all hospitals in the United States now have to follow the Hospital Price Transparency Rule . That means they have to list procedure prices clearly on their website. You can also call medical billing before your appointment to discuss cash pay options.

Federal Medical Payment Support

If all else fails, there are federal programs to help you cover the cost of medical bills.

Organizations like The United Way and United for Alice offer grants for ALICE (asset-limited, income-constrained, employed) patients. These are people living above the poverty level, making them ineligible for other government programs but below the basic cost-of-living threshold.

Medicaid is available for children, pregnant women, and adults under a certain income threshold. If your income is too high to qualify for Medicaid but you can’t afford private insurance for your children, you may be eligible for the Children’s Health Insurance Program (CHIP) to cover your children’s medical care.

Use Compare.com for the Best Doctors’ Visit Prices

Navigating bills for a doctor’s visit can feel overwhelming, but Compare.com is here to help. With our price comparison tool, you can search all clinic and doctors’ office prices in your area. Compare makes sure you’re prepared for the cost of your checkup long before you schedule your appointment.

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No Insurance? How to See a Doctor Without Insurance

Shop around, ask about cash discounts and consider community health centers and free clinics.

This article is based on reporting that features expert sources.

8 Tips for Getting Medical Care Without Insurance

Millions of people in the U.S. live without health insurance, a circumstance that can cause people to weigh the need to see a doctor against the cost. Unfortunately, many people will put off or do without medical care because they can't afford it, a decision that could jeopardize their health.

Healthcare worker having meeting with elderly patients at desk in office. Couple is seeking for professional's advice. They are sitting in hospital.

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While the Affordable Care Act has boosted the number of Americans with insurance, millions remain uninsured. In 2018, 27.5 million people – more than 8% of the U.S. population – were uninsured, according to the U.S. Census Bureau. Private health insurance covered 67% of Americans. Those without health coverage face the dilemma: Where can I go for medical care without insurance?

The Coverage Gap

In addition to the people who are uninsured, millions are underinsured, according to a survey by the Commonwealth Fund. Among people with health insurance, 29% were underinsured in 2018, compared to 23% in 2014, according to the fund's Biennial Health Insurance Survey: "People who are 'underinsured' have high health plan deductibles and out-of-pocket medical expenses relative to their income and are more likely to struggle paying medical bills or to skip care because of cost."

The survey found that 41% of underinsured adults reported they delayed needed medical care because of cost. By contrast, 23% of people with adequate insurance coverage said they delayed such treatment. Also, 47% of underinsured adults reported medical bill and debt problems.

Tips for Finding Affordable Medical Care

If you're uninsured or underinsured, here are eight strategies for finding affordable medical care:

  • Research your eligibility for insurance.
  • Shop around.
  • Agree to a price in writing.
  • Ask about a cash discount.
  • Keep good records.
  • Be prepared.
  • Consider community health clinics.
  • Think about urgent care centers.

1. Research your eligibility for insurance.

Depending on your situation, you might be eligible to buy individual health insurance coverage from the ACA marketplace or in the individual market, or you might qualify for Medicaid, Medicare or the Children's Health Insurance Program for your kids, says Kim Buckey, vice president of client services at DirectPath, a company that provides personalized health benefits education and enrollment services to large employers.

2. Shop around.

Prices for health care appointments and procedures vary dramatically, with differences of up to 2,000%, says Bill Kampine, co-founder and senior vice president, analytics and innovation, for Healthcare Bluebook. The company's client base includes municipal and large self-insured employers. It also offers a free online tool that individuals can use to comparison shop for health care services by region.

3. Agree to a price in writing.

4. Ask about a cash discount.

5. Keep good records.

6. Be prepared.

7. Consider community health centers and free clinics.

There are a number of health care providers that provide services at little or no cost to those who are eligible, says April Temple, an associate professor of health sciences at James Madison University in Harrisonburg, Virginia.

8. Also, think about urgent care centers.

Nationwide, there's been a meteoric rise in the use of urgent care centers in recent years. These facilities provide a higher level of care than what's available at some pharmacy retail clinics, but aren't equipped to provide emergent care for things like heart attacks and strokes. Urgent care centers can treat a wide array of maladies, including upper respiratory infections, bronchitis, diverticulitis; high blood pressure, food poisoning, sprains, minor fractures and lacerations. An urgent care visit typically costs around $150, according to Debt.org.

12 Common Medical Emergencies

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The U.S. News Health team delivers accurate information about health, nutrition and fitness, as well as in-depth medical condition guides. All of our stories rely on multiple, independent sources and experts in the field, such as medical doctors and licensed nutritionists. To learn more about how we keep our content accurate and trustworthy, read our  editorial guidelines .

Buckey is vice president of client services at DirectPath, a company that provides personalized health benefits education and enrollment services to large employers.

Kampine is co-founder and senior vice president, analytics and innovation, for Healthcare Bluebook. The company’s client base includes municipal and large self-insured employers. It also offers a free online tool that individuals can use to comparison shop for health care services by region.

Temple is an associate professor of health sciences at James Madison University in Harrisonburg, Virginia.

Tags: health insurance , Affordable Care Act , Medicaid , patient advice

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This Is How Much Your Health Care Would Cost Without Insurance

Ready for some sticker shock?

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You might think the financial benefit of having health insurance is mostly tied to major moments—your appendix bursts, you break a leg snowboarding, you’re having a baby—but that’s really just the tip of the bill-lowering iceberg.

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The behind-the-scenes sale

Here’s how it works: “Every hospital and doctor’s office has something called a charge master, which is a list of rates they charge for every single procedure,” says David Johnson, CEO of 4 Sight Health, a thought leadership and advisory company based in Chicago. “But those amounts are somewhat made up, and almost nobody pays them.”

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That’s because insurance companies negotiate with the hospitals and doctor’s offices in their network to come up with their own lower rates for literally every procedure. It’s why you tend to see a discount on any doctor’s bill you get—even if you’re responsible for the whole thing because you haven’t hit your deductible yet.

One thing to keep in mind: Those discounted rates are only for in-network doctors and hospitals. Even if you have health insurance, you’ll end up paying the higher master charge rate if you go out-of-network.

While the price the insurance company negotiates can vary (they tend to be about half of the charge master cost ), one thing tends to be certain: Anyone who doesn’t have insurance is going to end up paying a ton more. “If you don’t have coverage, it defaults to the charge master rate,” says Johnson. It’s no wonder one out of five uninsured people skip treatment because of cost.

Watch your wallet

All of this can add up quickly, even if you aren’t getting anything too major done. While it’s impossible to say what your cost for different procedures would be with insurance (that changes based on everything from where you live and who your insurer is to your deductible and co-insurance rates), here are some of the average charge master rates for common procedures in the U.S., according to an International Federation of Health Plans report:

  • MRI: $1,119
  • Cataract surgery: $3,530
  • Day in the hospital: $5,220
  • Giving birth: $10,808
  • Appendix removal: $15,930
  • Knee replacement: $28,184

Did someone say free?

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On top of the discount you get just for having an insurance plan, there are some procedures and visits that are absolutely free if you have insurance. That’s right: They don’t cost a dime. These services fall under the umbrella of preventive care, and after the Affordable Care Act was passed, they became fully covered for anyone with insurance.

Unfortunately, if you don’t have coverage, you’re stuck paying for them. Here’s how much these otherwise-free services might run you:

  • Flu shot: This life-saving vaccine will run you about $40 at your local Rite-Aid pharmacy .
  • Screenings for diabetes and cholesterol: CityMD , a chain of urgent care facilities in New York, New Jersey, and Washington, offers these services for about $125 to $200, plus additional lab fees.
  • Annual wellness visits: On average, this costs $160, according to a John Hopkins study .
  • HPV vaccine: You need this shot twice, and it will cost ya about $250 each time, according to Planned Parenthood .
  • Birth control pills: The monthly packs will add up to $240 to $600 a year .

The bottom line: With the average employer-sponsored plan costing you $119 a month , that $1,400 or so a year will pay for itself in just a few doctor’s visits or prescriptions. And if something serious happens—like a sprained ankle or a suspicious mole your dermatologist wants to remove—you know you’re covered.

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  1. How Much Does a Psychiatrist Cost Without Insurance? 7 Key Questions

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  2. How Much Does a Psychiatrist Cost Without Insurance?

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  3. How much does a psychiatrist cost without insurance in 2022?

    average cost psychiatrist visit without insurance

  4. How much does a psychiatrist cost without insurance in 2022?

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  5. How Much Does a Psychiatrist Cost Without Insurance? (2024)

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  6. How much does a psychiatrist cost without insurance?

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COMMENTS

  1. How Much Does a Psychiatrist Cost Without Insurance?

    If you don't have insurance, you could end up paying up to $200 or more for a regular visit to the psychiatrist. Rates are usually higher for psychiatrists than psychologists or other therapists because of their extensive training and backgrounds. Costs will vary and depend significantly on the following factors:

  2. How Much Does Psychiatry Cost Without Insurance?

    For example, the Ascension Seton healthcare system based in Austin, Texas, and serving Central Texas publishes price points for mental health services. Initial evaluations with a psychiatrist usually run $250 to $300, with follow-up sessions lasting 30 to 60 minutes for $100 to $200 each.

  3. How Much Does a Psychiatrist Cost Without Insurance in 2022?

    They specialize in treating the physical and mental symptoms of behavioral health disorders. Without insurance, a person can expect to pay somewhere between $80-$200 on average per session with a psychiatrist. However, the initial evaluation, which includes the diagnosis process, can cost anywhere up to $500.

  4. How Much Does a Psychiatrist Cost Without Insurance?

    How much it costs to see a psychiatrist is situationally dependent, but you can easily find out how much your fees will be prior to your first visit. According to Electronic Health Reporter, the average cost of a psychiatrist visit without insurance generally runs somewhere between $100 and $200 per session, but initial appointments are often ...

  5. How Much Does a Psychiatrist Cost Without Insurance? (2024)

    The average cost of a psychiatrist visit without insurance is $250 to $500 for an initial evaluation and $80 to $250 for a follow-up visit. The cost to see a psychiatrist depends on your location, whether you see an MD or psychiatric nurse practitioner, and the treatment type and tests received. Average cost to see a psychiatrist - Chart.

  6. What Is A Psychiatrist And How Much Does One Cost?

    In addition to an appointment fee, you may also need to pay for specific types of treatments, tests, and/or lab work. The average psychiatrist cost without insurance generally falls somewhere between $100 and $300 per appointment. You should expect to pay up to $500 for the initial consultation and roughly $100 an hour thereafter for follow-ups ...

  7. How Much Does It Cost to See a Psychiatrist Without Insurance?

    The cost of a psychiatrist without insurance ranges between $150-$500 per session. ... How Much Does A Hospital Stay Cost Without Insurance? ... fever, shortness of breath, and headache, among others. The average out-of-pocket cost for an emergency room visit is about $1000-$2200, if admitted, the cost could go up to $10,000-$30,000 depending ...

  8. Cost of psychiatrist visit by state

    Cost of psychiatrist visit by state. ... See how Sidecar Health insurance can help cover your medical needs. Learn More. StateName Average Cash Price; Alabama: $78 - $108 Alaska: $105 - $147 Arizona: $88 - $123 Arkansas: $77 - $107 California: $96 - $135 Colorado: $85 - $118

  9. How Much Does a Psychiatrist Cost Without Insurance?

    The provider's experience level. Whether your visit is covered by insurance. And other unique variables. Typically, a psychiatrist or psychiatric provider will have self-pay rates around $100-500 with a median of $200 per hour on average. Providers with more experience and expertise often charge higher hourly rates.

  10. How Much Does Therapy Cost?

    Therapy sessions in the U.S. are estimated to cost between $100-$200. Through insurance, research has found the average cost of sessions to be $21. If you can't afford therapy and don't have ...

  11. How Much Does a Doctor's Visit Cost Without Insurance?

    Key Points. According to the Agency for Healthcare Research and Quality, the average cost of a visit to the doctor's office in 2016 was $265, with expenses ranging from $159 to $419 depending on the specialty. At an urgent care center you can expect to pay between $100-200 to see a provider, plus the cost of any treatments or testing you may ...

  12. How Much Is a Doctor Visit Without Insurance?

    How Much is a Doctor Visit Without Insurance? In 2016, the average cost of visiting a healthcare professional in the U.S. was $265. However, this average depends on the type of medical provider you are seeing and the type of appointment. For example, the average visit to a primary care provider costs $186, whereas a visit to a specialist costs ...

  13. How to see a doctor when you don't have health insurance

    The healthcare system can be wildly expensive for those without insurance—or for those whose insurance doesn't cover enough. Out-of-pocket medical bills can range from $68 to $234 for a simple visit to your primary care physician, and that is only for the doctor's fee. Other services like imaging and blood work will run that bill up even ...

  14. How to Find Affordable Therapy Without Insurance

    A therapy session without insurance costs anywhere from $65 to over $250 per hour, according to GoodTherapy. The amount you pay is based on the type of therapy and other factors. But, on average, expect to pay $100 to $200 for a 1-hour session in most parts of the country. The American Psychological Association (APA) estimates it takes 15 to 20 ...

  15. How Much Does A Psychiatrist Cost?

    The average psychiatrist's fee generally falls somewhere between $100 and $300 per appointment. You should expect to pay up to $500 for the initial consultation and roughly $100 an hour thereafter for follow-ups. This can fluctuate depending on the doctor and your health insurance. For this reason, how much does a psychiatrist cost is a ...

  16. Doctor's Visit Cost With and Without Insurance

    The cost of a doctor's visit depends on the type of insurance you have. If you do not have insurance, the cost of a doctor's visit is typically between $300 and $600, but prices can vary depending on several factors such as lab tests, where you seek care, and procedures done at the visit. If you do not have insurance or have a high-deductible ...

  17. How Much Does a Doctor Visit Cost With and Without Insurance?

    Expect to pay as little as $410 or as much as $1700 for this procedure, depending on local prices. Vaccines are often required before sending your kids to school. The CDC publishes a vaccination price list annually to give you an idea of what to expect. For example, they quote $19-$132 for DTaP, $21 for Hepatitis A, and $13-$65 for Hepatitis B.

  18. No Insurance? How to See a Doctor Without Insurance

    4. Ask about a cash discount. When you're shopping around, always ask for a cash discount. "Many providers will provide a discount if you pay for the entire service at the time of care," Kampine ...

  19. How Much Will a Doctor Visit Cost You?

    The cost of a doctor visit is hard to quantify because there are many factors that go into what the final bill is. The average cost of a doctor visit, not including procedures or tests, range from $80-$170 across the U.S. Factors that determine the cost include: The purpose of the visit. What tests or procedures are involved.

  20. How Much Does a Walk-In Clinic Cost Without Insurance?

    But this can turn a minor illness or injury into a visit to an emergency room or urgent care facility if not addressed in a timely manner. Both options can be costly. Walk-in clinics are an affordable option for non-emergency care. MinuteClinic® costs an average of 40% less versus an urgent care center 1 and 85% less versus the emergency room 2.

  21. How Much Does a Primary Care Visit Cost in 2022?

    This chart from debt.org compares the costs of different medical conditions for emergency room and urgent care visits. Urgent Care. According to Debt.org, the average urgent care visit costs between $100 and $150 with insurance and up to $400 or $500 without insurance.. Nearly all procedures are covered by insurance, and urgent care centers typically have most of the equipment necessary to ...

  22. This Is How Much Your Health Care Would Cost Without Insurance

    The bottom line: With the average employer-sponsored plan costing you $119 a month, that $1,400 or so a year will pay for itself in just a few doctor's visits or prescriptions. And if something ...

  23. NYC Mental Health Services: How Much Does a Psychiatrist Visit Cost

    The cost of a psychiatrist visit without insurance in NYC can vary depending on the provider and the type of service you need. On average, a psychiatrist visit can cost anywhere from $100 to $300 per session. This can add up quickly, especially if you need to see a psychiatrist regularly.