If you don't have insurance, or your plan's deductible resets every January and you never hit it, the first question is always the same: what will this actually cost me? Here are honest numbers for the Las Vegas Valley, and how cash-pay primary care can cut the bill dramatically.
What a visit costs in Las Vegas without insurance
- Emergency room: $1,000–$3,000+ before imaging or labs
- Urgent care: $150–$300 for the visit alone, more with tests or X-rays
- Retail clinic (pharmacy): $100–$180 for a limited set of problems
- Hospital-owned primary care: often $250–$400 as a cash rate, because billing follows hospital price lists
- Independent cash-pay primary care: typically $75–$200 for a straightforward visit
At Henderson Primary Care we publish our rates so you never have to guess: a new-patient visit is $99 and established visits are $49. That's it. No facility fees, no surprise bills three months later.
Why cash-pay is often cheaper than using insurance
If your plan has a $3,000–$7,000 deductible (common on Nevada marketplace plans), you are functionally uninsured for routine care until you hit it. Meanwhile the "negotiated rate" your insurer bills against that deductible is often higher than an honest cash price. Paying cash for primary care and saving insurance for big events is a rational strategy for a lot of Las Vegas families.
What to ask any office before you book
- What is your cash price for a new-patient visit, all-in?
- Are labs included, or billed separately? (We order affordable cash-rate labs and tell you the price first.)
- Are there facility fees or "office visit" add-ons?
- Do you offer follow-up visit pricing?
Where the savings are real
A yearly physical, a couple of sick visits, and a chronic-condition check-in can run $1,500+ through insurance billing. The same year of care at our published cash rates is a few hundred dollars, with longer visits and a provider who knows your name. See everything we treat, or request a call back to ask about your situation.