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1 Patients who are covered by health insurance, but are not entitled to a free visit under their plan, face a copay of $10 -$50 or more, or coinsurance of 10%-50% or more. 2  According to the Agency for Healthcare Research and Quality, the national average for copays is about $19. The primary factor driving cost is time spent to both see the physician and use the facility. 2  Patients who are covered by health insurance, but are not entitled to a free visit under their plan, face a copay of $10 -$50 or more, or coinsurance of 10%-50% or more.