Cost estimator

What will a dermatologist visit cost?

Less about the practice’s price list than about your coverage. Pick your situation and see what you’d likely pay — and which question to ask before you book.

What kind of visit?
How are you paying?
$It’s on your insurance card. $45 is the 2025 average.
Anything done on the day?

Add what you think might happen. You often won't know until you're there — which is the point.

What you’d likely pay

$45

In-office visit — new patient
Your plan's specialist copay.
$45

Assumes your plan's copay covers the visit. The average specialist copay in 2025 was $45 (KFF). Procedures done on the day may be included in that copay or may carry coinsurance — Medicare's own is 20%.

This is an estimate, not a quote. What you actually pay depends on your plan, your deductible, which lab reads any pathology, and what the dermatologist finds on the day. BHSkin’s front desk can check your coverage before you come in — and if cost is the reason you’ve been putting off getting something looked at, say so when you call.

Book an appointment with BHSkin

BHSkin’s published prices

The two virtual options have flat prices you can see up front. In-office self-pay rates are quoted on request.

VisitSelf-pay priceInsurance
In-office visit — new patientQuoted on requestAccepted
In-office visit — returning patientQuoted on requestAccepted
Video visit with BHSkin$145Accepted
Photo consult with BHSkin$95Not accepted — cash only

What each service is worth

2026 Medicare national amounts, used here as an objective reference. Your plan negotiates its own rate — commonly 1.2 to 1.8 times these figures.

ServiceCPTMedicare pays
In-office visit — new patient99203$118
In-office visit — returning patient99213$95
Skin biopsy11102$96
Pathology on the biopsy88305$70
Freezing a precancerous spot17000$66
Removing benign spots17110$111

What changes your bill

  • Whether your deductible is met. This changes the answer more than anything else. 1,886 dollars is the average single-coverage deductible, and until you've met yours you pay the negotiated rate instead of a $45 copay.
  • New patient or returning. A first visit is billed at a higher level than a follow-up, because it takes longer and covers your whole history.
  • What happens on the day. A visit that turns into a biopsy or a freeze is billed for both. You usually can't know in advance — but you can ask for the cost before anything is done.
  • Pathology is a separate bill. The lab that reads your biopsy bills you directly, often from outside the practice. Ask whether that lab is in your network.
  • Where the practice sits. A hospital-owned clinic can add a facility fee on top of the physician's charge. An independent practice like BHSkin doesn't.

Coming in about a specific spot? The melanoma lookalikes comparison covers what to look for beforehand, and skin cancer screening, explained describes what the appointment involves.

Common questions

How much is a dermatologist visit without insurance?
BHSkin publishes two self-pay prices you can book straight away: $95 for a photo consult and $145 for a video visit. For an in-office visit, practices set their own self-pay rates, so ask when you book. As a reference point, Medicare's 2026 national amounts are about $118 for a new-patient visit and $95 for a returning-patient visit, and commercial plans pay roughly 1.2 to 1.8 times that — which is the band most self-pay prices sit in before any discount.
How much is a dermatologist visit with insurance?
If your plan's copay applies, that's your cost for the visit — $45 on average for a specialist in 2025. The catch is deductibles: 88% of covered workers have one, averaging $1,886 for single coverage, and until it's met you pay the negotiated rate rather than the copay. That's why two people with insurance at the same appointment can pay very different amounts.
Why did I get a second bill after my skin biopsy?
Because the biopsy and the reading of it are two different services by two different people. Taking the sample is billed by the practice (CPT 11102, about $96 on Medicare's 2026 schedule); the pathologist who examines it bills separately (CPT 88305, about $70), often from an outside lab. Ask at the time who reads your pathology and whether that lab is in your network.
Is a skin cancer screening covered by insurance?
It depends on your plan and on why you're being seen. A visit for a specific worrying spot is generally handled as a medical visit; a routine whole-body screening may be covered as preventive care by some plans and not others. It's worth calling the number on your card before the appointment, and BHSkin's team can help check your coverage when you book.
Is it cheaper to pay cash than to use my insurance?
Sometimes, and it's worth asking. If you have a high deductible you're paying the full negotiated rate anyway, and a practice's self-pay rate can be lower than that. BHSkin's $95 photo consult and $145 video visit are flat prices with nothing billed afterwards, which for a straightforward problem can come to less than an in-office visit against an unmet deductible.
Can this tool tell me exactly what I'll pay?
No. It shows what the services are worth on Medicare's published schedule and what coverage typically does to that, so you know roughly what to expect and what questions to ask. Your exact cost depends on your plan, your deductible, which lab reads your pathology and what's found on the day. For a firm figure, call your insurer and BHSkin's billing team before the appointment.

Where these prices come from

Typical market prices, last checked September 2026. They are a guide to what people commonly pay, not a quote — prices vary by practice, product and city.

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