Short answer
Without insurance, virtual care is usually paid one of two ways: a fee for each visit, or a flat monthly membership. ACCESS uses membership pricing: $79/month for Individual and $229/month for Family (up to 8 people). Included core care, like virtual primary care and 24/7 urgent care, has no per-visit fee. Labs cost extra, starting at $150.
If you are paying for care yourself, the price question comes first. The cost depends less on the screen and more on how the service charges you. Below is a plain walk-through of the two common pricing models, what ACCESS membership costs, what is included, and what still costs extra.
The two ways virtual care is priced without insurance
When you pay out of pocket, you are covering the cost directly rather than through a health plan. HealthCare.gov describes out-of-pocket costs as the expenses you pay yourself for care. Virtual care services generally structure those costs in one of two ways.
Pay per visit
With a pay-per-visit model, you pay a separate fee each time you see a clinician online. You pay nothing between visits, and you pay again the next time you need care. The structure is simple to understand: one visit, one charge. Prices vary from service to service, so if you go this route, check the fee before you book and ask what it does and does not include, such as follow-up messages or lab orders.
This model can feel predictable for a single, one-time question. It can be harder to plan around if you need care more than once, if several people in your household need care, or if you want an ongoing relationship with the same care team.
Monthly membership
With a membership, you pay one flat monthly price, and included care is available without a separate charge for each visit. The monthly price works a little like a premium, the amount paid on a regular schedule, but it pays for access to a defined set of everyday care services rather than for a health plan.
The appeal of a membership is planning. You know what you will pay each month for included care, and you do not have to weigh a new fee every time a question comes up. MedlinePlus explains telehealth as using technology to get care at a distance, and a membership is one way to organize that kind of care around a steady monthly price.
What ACCESS membership costs
ACCESS is a healthcare membership. It offers two plans, and both are available in all 50 states.
ACCESS Individual: $79/month
ACCESS Individual covers one member for $79/month. It is built for one person who wants everyday care, like virtual primary care and 24/7 urgent care, without a per-visit fee on included core care.
ACCESS Family: $229/month
ACCESS Family is $229/month and covers the primary member plus up to 7 more people, 8 total. Every covered household member has access to the same included core care, so one membership can serve a whole household.
Choosing a term
You can choose a membership term of 1, 3, 6 or 12 months. The monthly price is the same starting point either way: $79/month for Individual and $229/month for Family. For details on how each term works, see the ACCESS FAQs.
What's included for that price
The monthly price covers included core care, delivered by licensed clinicians. According to the ACCESS virtual care page, that includes:
- Virtual primary care for everyday health questions and ongoing care
- 24/7 urgent care for concerns that come up day or night
- Dermatology for skin concerns
- Care navigation to help you understand your options and coordinate the right next step
- Behavioral-health resources
- Prescriptions at clinician discretion, when a licensed clinician decides one is appropriate after review
- The ACCESS portal, My Care, where your visits, messages, prescriptions and records live in one secure place
Included core care carries no additional encounter fee, and there are no visit quotas on included core care.
What costs extra
A clear price includes knowing what sits outside it. Two items are separate from the monthly membership price.
Labs, from $150
Labs are not included in the membership price. When a licensed clinician decides a lab test is clinically appropriate, labs are available at an additional cost, starting at $150. Your clinician will explain why a test is being ordered so you can decide with full information.
Prescriptions and pharmacy costs
Prescriptions and pharmacy costs vary. A licensed clinician decides whether a prescription is appropriate after reviewing your information, and no prescription is promised in advance. What you pay at the pharmacy depends on the medication and where you fill it.
What a membership covers and what it doesn't replace
It helps to be clear about the job a membership does. ACCESS membership is everyday care access: virtual primary care, 24/7 urgent care, dermatology, care navigation and related support, for a flat monthly price.
It does not replace major medical coverage for hospital or surgical care. If you have or are considering a major medical plan, a membership sits alongside it for everyday care rather than taking its place. For a fuller comparison, read our membership comparison guide.
Some concerns also need in-person evaluation. Your clinician will tell you when a concern needs to be seen in person and can help you understand the next step.
Is per-visit or membership a better fit for you?
There is no single right answer. The better fit depends on how you use care. A few questions can help you decide:
- How often do you expect to need care? If you only expect a rare, one-time question, a per-visit model may feel simple. If you tend to have questions throughout the year, a flat monthly price may be easier to plan around.
- How many people are you buying care for? If several people in your household need care, a family membership puts everyone under one monthly price.
- Do you want ongoing primary care? If you want a continuing relationship with a care team, not just a single visit, membership is designed for that.
- What extras might you need? Labs and pharmacy costs are separate either way, so factor them in when you compare.
Whichever model you choose, look for a clear price, a clear list of what is included and a clear note about what costs extra.
How to start
If a flat monthly price for everyday care fits how you live, you can review both plans and what each includes in one place. ACCESS Individual is $79/month, ACCESS Family is $229/month for up to 8 people, and labs are extra from $150.
FAQ
How much does virtual care cost without insurance?
It depends on the pricing model. Some services charge per visit; memberships charge a flat monthly price. ACCESS is $79/month Individual or $229/month Family.
Are there per-visit fees with ACCESS?
No. Included core care, such as virtual primary care and 24/7 urgent care, has no additional encounter fee.
Are labs included in the membership price?
No. Labs are available where clinically appropriate at an additional cost, starting at $150.
Do prescriptions cost extra?
Prescriptions and pharmacy costs vary. A licensed clinician decides whether a prescription is appropriate after review.
Can one membership cover my family?
Yes. ACCESS Family covers the primary member plus up to 7 more people, 8 total, for $229/month.