Doctor On Demand is the virtual care arm of Included Health, and it is unusual among telehealth brands in that it publishes an actual per-visit price list instead of hiding everything behind a login. That matters, because most of its patients never pay those prices. The company says it is a covered benefit for more than 98 million Americans through an employer or health plan, and for many of them a visit costs $0.
If you are not one of those people, the cash prices are what you get, and they vary a lot by who you see and for how long. This guide covers every self-pay figure Doctor On Demand publishes, what plan members actually pay, which services you cannot buy with cash at all, and how the numbers compare to walking into an office. All prices below were read from doctorondemand.com on September 5, 2026.
What Does Doctor On Demand Cost Without Insurance?
Doctor On Demand’s cost page lists four self-pay prices, and they are flat rates rather than ranges. A medical or urgent care visit with a board-certified physician or nurse practitioner is $99 for a 15-minute consultation. Therapy with a psychologist is $134 for 25 minutes or $184 for 50 minutes. Psychiatry is $299 for an initial 45-minute evaluation and $129 for a 15-minute medication follow-up.
The first column below is what plan and employer members pay at the low end, which is often $0. The last column is the highest cost share Doctor On Demand publishes for any contracted plan on that same page, which in the mental health categories runs close to or above the cash price.
| Visit type | With a plan or employer | Self-pay cash price | Highest published plan cost share |
|---|---|---|---|
| Medical / urgent care, 15 min | $0 | $99 | $66 |
| Therapy with a psychologist, 25 min | $0 | $134 | $154 |
| Therapy with a psychologist, 50 min | $0 | $184 | $154 |
| Psychiatry, initial 45-min evaluation | $0 | $299 | $296.64 |
| Psychiatry, 15-min follow-up | $0 | $129 | $296.64 |
| Virtual primary care | $0 | Not sold to self-pay patients | Varies by plan |
Source: Doctor On Demand cost and insurance page and virtual primary care page, read September 5, 2026.
Two things stand out. First, the cash price for a medical visit ($99) is higher than every published plan cost share, the worst of which tops out around $66. Second, the cash price for a 25-minute therapy session ($134) is actually lower than the worst-case cost share on several plans, including Blue Cross and Blue Shield of Minnesota at $148.32, Compass Rose at $152 and the Regence plans at $154. If you have a high deductible and have not touched it, ask for both numbers before you book.
What Employer and Health Plan Members Pay
Doctor On Demand publishes a per-plan cost table, which is rare and genuinely useful. Several plans show a flat $0 for all three service lines, including Evry Health, healthEZ, Humana Healthy Ohio and SCAN Health Plan. TRICARE East and TRICARE West members see $0 to $38 for medical and $0 to $50 for both therapy and psychiatry, the cheapest non-zero bands on the page.
At the other end, Regence plans in Idaho, Oregon, Utah and Washington show $0 to $66 for medical, $0 to $154 for therapy and $0 to $251 for psychiatry. UnitedHealthcare shows $0 to $54, $0 to $119 and $0 to $229. Those upper bounds are what you pay before a deductible is met, not what you pay all year.
What Drives the Price
Who you see. A nurse practitioner or physician handling a sinus infection is the cheapest visit on the platform. A psychologist costs more, and a psychiatrist, who is a physician who can prescribe, costs the most. The gap between the $99 medical visit and the $299 psychiatric intake is almost entirely a clinician and time difference.
Session length. Therapy is priced by the clock. The 25-minute session is $134 and the 50-minute session is $184, so the second half hour costs $50. If you are paying cash and your issue is focused, the shorter session is a real lever. Everyday Health’s tester, who reviewed the service in 2026, reported being quoted $184 at booking for the standard session length.
Initial visit versus follow-up. Psychiatry drops from $299 to $129 after the first appointment. That means ongoing medication management runs about $129 a month or less if you are seen quarterly, even though the entry price looks steep.
Whether you arrive through a plan or employer. This is the single biggest factor. The same 50-minute therapy session is $184 cash, $0 on several contracted plans, and somewhere in between on the rest. It is worth spending five minutes on registration to enter your insurance before assuming you are a cash payer.
Which product you want. Virtual primary care, the ongoing relationship with annual checkups, labs and chronic condition management, is gated. Doctor On Demand’s own primary care page states it is only available for members covered by select health plans and employers. There is no cash price for it.
Cash Price vs. Insurance
For a one-off urgent problem, the cash price is straightforward and often competitive. CMS data on 2024 Medicare claims, released in May 2026, puts the national average submitted charge for a standard established-patient office visit (code 99213) at about $189 in an office setting. Doctor On Demand’s $99 undercuts that by roughly half, with no facility fee and no travel.
Mental health is a closer call. The same CMS dataset shows an average submitted charge of about $176 for a 45-minute in-person psychotherapy session and about $383 for a psychiatric diagnostic evaluation with medical services. Against those numbers, Doctor On Demand’s $184 50-minute therapy session is slightly above the in-person average and its $299 psychiatric intake is well below it. Everyday Health pegs the national average cash therapy session at roughly $149, which puts the $184 session on the expensive side of the market.
If you do have coverage, one caution: Doctor On Demand’s cost page shows estimates, not guarantees, and says your actual cost can change once your deductible status is known. The page’s Medicare answer also still references copay waivers tied to the COVID-19 public health emergency, which ended in 2023, so treat any Medicare cost claim there as something to confirm by phone rather than rely on.
How to Pay Less
Enter your insurance before you assume you are paying cash. Registration is free and the platform shows your price before you book. With 425-plus plans accepted and dozens of published $0 bands, this is the highest-value two minutes available to you.
Book the 25-minute therapy session instead of the 50-minute one. At $134 versus $184, you save $50 per visit. Over a twelve-session run that is $600, and for focused work like skills practice or a medication check-in the shorter slot is often enough.
Watch for the free-visit promotions. As of September 5, 2026, Doctor On Demand’s site is running a research study with Google that offers an urgent care visit described as a $99 value at no cost to eligible participants. These offers come and go, so check the banner before you pay.
Price a flat-rate retail alternative for simple problems. A cough, a UTI or a rash does not need a $99 visit if a cheaper flat rate is available. CVS MinuteClinic Virtual Care publishes an $89 cash-pay rate for most visits, and MDLIVE’s urgent care band tops out at $89. See our breakdowns of MinuteClinic prices and MDLIVE costs before you book.
Compare against a community health center if money is tight. Federally qualified health centers charge on a sliding scale based on income and can handle both primary care and behavioral health, which telehealth cash pricing cannot match at the low end. Our guide to free clinics and sliding-scale care walks through how to find one.
Handle the prescription separately. The visit fee never includes medication. A $99 visit that ends in a $200 prescription is a $299 problem. Compare pharmacy discount programs first using our GoodRx vs. SingleCare comparison, and if the drug is expensive, check whether a manufacturer program applies through our guide to prescription assistance programs.
Is Doctor On Demand Worth It at Cash Prices?
For urgent care, the answer depends on what else is nearby. At $99 it beats the average in-person office charge and most walk-in urgent care centers, but it is more expensive than several flat-rate virtual competitors. Compare it against Teladoc’s self-pay rates and PlushCare’s pricing before committing, and against a physical urgent care visit if you might need an X-ray, since no telehealth service can image a possible fracture.
For mental health, Doctor On Demand’s strength is psychiatry rather than therapy. The $129 follow-up rate is competitive for ongoing medication management, while the $184 therapy session is above the national cash average. If therapy is your main need, price it against the broader market in our guide to therapy costs without insurance and our psychiatrist cost breakdown first.
And if you have already been treated and the bill is larger than you expected, telehealth bills are negotiable like any other. Start with our guide to negotiating a medical bill.