Managing Out-of-Pocket Costs

The out-of-pocket medical costs for testing, doctor visits, and treatment differs from one healthcare provider to another.


Explaining Costs

Although some Lyme specialists might accept insurance, there’s a good chance you’ll encounter others who don’t. There are a couple of reasons for this: Most Lyme specialists spend much more time with their patients than traditional insurance reimbursement rates allow. Also, Lyme specialists are more likely to evaluate and treat each patient individually, as opposed to a one-size-fits-all approach to Lyme disease.  

What to say to your Doctor

Although the search for a doctor can feel overwhelming, knowing what to ask for when it comes to potential expenses can help you create a plan that best suits you and your financial situation.  Here are a few questions to keep in mind:

  • What type of insurance does the Lyme specialist take?
  • What’s the fee for the initial visit?
  • Does the cost of the initial visit include tests for Lyme disease or coinfections?
  • If not, what tests are required for the first appointment, and how much are they? 
  • Will the provider’s office give you a superbill or receipt to submit your own healthcare claim for reimbursement?
  • What are the costs of follow-up visits?
  • How often does the Lyme specialist want to see new patients?