Teladoc Health is the biggest name in virtual care, and its pricing splits cleanly in two. If your employer or health plan bought the benefit, a visit can cost you nothing. If you are paying out of pocket, you are buying a flat per-visit rate off a short published price list, and that list is the whole story: no membership, no subscription, no annual fee.
This guide covers what a self-pay patient actually pays across each Teladoc line, where the company’s own website contradicts itself, which services a cash payer cannot buy at all, and how the price compares with a walk-in clinic or an urgent care center. Every Teladoc figure below was read from the company’s own pages on September 5, 2026. Teladoc states in its FAQ that it may change pricing at any time, so re-check before you book.
What Does Teladoc Cost Without Insurance?
Teladoc’s dedicated no-insurance page lists four self-pay prices: 24/7 urgent care at $89 per visit, nutrition at $89 per visit, dermatology at $89 per review, and mental health at $119 per visit. A separate Teladoc article on how the service works with insurance breaks mental health apart further, listing therapy at $0 to $119 and psychiatry at $0 to $299 for a first visit and $0 to $129 after that. In every one of those ranges, the $0 end applies only to people who have Teladoc through a plan. A cash payer pays the top number.
| Service | Low | Typical | High |
|---|---|---|---|
| General medical (24/7 urgent care) | $0 with benefits | $89 self-pay | $89 |
| Dermatology review | $0 with benefits | $89 self-pay | $89 |
| Nutrition visit | $0 with benefits | $89 self-pay | $89 |
| Therapy session | $0 with benefits | $119 self-pay | $119 |
| Psychiatry, first visit | $0 with benefits | $299 self-pay | $299 |
| Psychiatry, follow-up visit | $0 with benefits | $129 self-pay | $129 |
| BetterHelp therapy (Teladoc-owned) | $23 average copay | $70-$100 per week | $100 per week |
| Primary care, weight and diabetes programs | Not sold self-pay | Not sold self-pay | Not sold self-pay |
Sources: Teladoc Health self-pay pricing pages and BetterHelp’s published FAQ, read September 5, 2026.
The $119 mental-health figure appears on two separate Teladoc pages, which is worth noting because the company does not display therapy or psychiatry pricing inside the product until you create an account. The $299 and $129 psychiatry figures appear on only one Teladoc page, so treat those as the published rate rather than a confirmed checkout price.
Teladoc’s Site Contradicts Itself on the Headline Price
Teladoc publishes $89 for a general medical visit on its no-insurance page and again in the billing section of its main FAQ. But a third page, the “How Teladoc Health works” help center article, states flatly that “General Medical is $75 per visit.” All three were live on September 5, 2026.
We are publishing both figures because we cannot tell which one the checkout screen honors. Treat $89 as the number to plan around, since it appears on the two pages Teladoc actually points self-pay shoppers toward, and treat $75 as a possible stale page. Teladoc shows you the amount before you confirm the visit, so read that screen rather than any marketing page.
What a Cash Payer Cannot Buy
The footnote at the bottom of Teladoc’s no-insurance page is the most useful sentence on the site: “Primary care and Condition Management programs are not available for self-pay.” That closes off Primary360, the diabetes and hypertension programs, and the whole weight-management track.
That matters for anyone shopping Teladoc for weight loss. Teladoc’s GLP-1 page says your insurance provider, employer or plan sponsor must offer access to a program that includes visits with a care provider to discuss GLP-1 prescriptions. Its general medical FAQ is blunter: GLP-1 medications and refills are not available through Teladoc general medical or nutrition. Teladoc’s March 2025 pharmacy integration with LillyDirect’s fulfillment partner gives enrolled members without GLP-1 coverage a self-pay route to the medication, but you have to be in the employer-sponsored program first. If you are uninsured and want a GLP-1, start with our GLP-1 cost guide instead.
What Drives the Price
Whether anyone else is paying. This is the single biggest factor, and it is binary. Teladoc reported 100.3 million U.S. Integrated Care members as of June 30, 2026, and average monthly revenue of $1.31 per member. Employers and health plans buy access in bulk at roughly a dollar and change per member per month, then set the member’s visit fee anywhere from $0 to a full copay. Individuals buy one visit at a time at retail.
Which clinician you see. A nurse practitioner or family doctor handling a sinus infection is priced at $89. A psychiatrist doing a full intake is priced at $299, more than three times as much, because it is a longer visit with a scarcer prescriber.
First visit versus follow-up. Psychiatry drops from $299 to $129 after the intake, a 57% cut. If you expect ongoing medication management, budget for the intake once and the follow-up rate thereafter.
Per-conversation billing. Teladoc’s FAQ states the visit fee is charged for each conversation with a provider. There is no bundling, so two problems handled on two calls are two fees.
Prescription costs are not included. Teladoc does not dispense drugs and sends prescriptions to the pharmacy of your choice. The medication is a separate bill entirely.
Cash Price vs. Insurance
For a straightforward complaint, $89 is competitive against almost anything in-person. CMS’s calendar-year 2024 Medicare physician file, published in May 2026, shows a national average submitted charge of $189.25 for an established-patient office visit with low-level decision making (code 99213) in an office setting, against a Medicare allowed amount of $85.37. A new-patient version of the same visit (99203) carries an average submitted charge of $267.25. Teladoc’s self-pay rate sits below the billed charge for the equivalent in-person visit and close to what Medicare actually allows.
If you do have coverage, check whether Teladoc is already in your benefits before paying cash. Teladoc says roughly 1 in 4 Americans has access through an employer or health plan, and that general medical visits can run as low as $0 in that case. Paying the $89 cash rate when you already have a $0 benefit is the most common way people overpay here.
There is one real trade-off with paying cash. Self-pay telehealth charges generally do not flow through your insurer, so they do not count toward a deductible. If you are close to meeting a deductible, running the visit through the plan may be worth more than the sticker savings.
Teladoc also notes that it works with many Medicare Advantage and Medicaid managed care plans but is not a provider for Medicare or Medicaid fee for service.
How to Pay Less
Check your benefits before you pay retail. Set up the account and let Teladoc run eligibility before you enter a card. Employers, health plans, some universities and even some credit unions bundle it in. This is a free check that can turn an $89 charge into $0.
Use an HSA or FSA card. Teladoc accepts HSA, FSA and HRA cards for eligible plans. A visit paid with pre-tax dollars costs meaningfully less in real terms than the same visit on a credit card.
Price the mental health line two ways. At $119 a session, Teladoc therapy is close to the $70 to $100 per week that BetterHelp, Teladoc’s own subsidiary, charges without insurance. Weekly BetterHelp works out to roughly $280 to $400 a month for unlimited messaging plus a live session, and it accepts HSA and FSA cards. Which is cheaper depends entirely on how often you plan to meet. Our therapy cost guide and psychiatrist cost guide run the same math across the market.
Shop the visit fee against other virtual doors. Teladoc’s $89 is the middle of the telehealth market, not the floor. Solv Health, which tracks posted self-pay prices, puts typical telehealth visits at $50 to $100 as of June 2026. Compare our guides to MinuteClinic and MDLIVE before booking, and see Hims if the need is a subscription-style refill.
Do not pay the visit fee for a prescription you can get cheaper elsewhere. The $89 buys the consultation, not the drug. Compare pharmacy discount programs before you fill anything; our GoodRx vs. SingleCare comparison shows how far the same generic can swing, and manufacturer and nonprofit prescription assistance programs can cover the drug outright if you qualify.
If $89 is out of reach, use the sliding-scale system. Federally qualified health centers charge on income and handle the same minor illnesses. See our guide to free clinics and sliding-scale care.
When Teladoc Makes Financial Sense
Virtual care wins on price when the problem can be diagnosed by conversation and photo: sinus infections, allergies, rashes, urinary symptoms, medication questions, and mental health. At $89, a Teladoc visit undercuts the $150 to $280 that Solv reports for a standard self-pay urgent care evaluation, and it is a fraction of an emergency room bill.
It loses when the problem needs hands or equipment. There is no swab, no X-ray, no wound repair, and no in-person exam. A suspected fracture, a laceration, or anything requiring a physical test belongs at urgent care, and chest pain or breathing trouble belongs in the emergency room regardless of cost. For a non-urgent problem that can wait a few days, compare the price against a standard doctor visit, which in many markets is closer than people expect.