The actual cost of a typical office visit is higher than your office visit co-payment.

On average, the actual cost for an office visit with your Primary Care Physician is $53. This office visit charge does not include any additional charges incurred for laboratory tests or x-rays performed in the office. Under most Ryder medical plans, including HMOs, you pay a small office visit co-payment, in most cases $20, and the plan pays the remaining balance, $33.

For a Specialist, the average bill for an office visit is $139, not including any laboratory tests or x-rays. Under most Ryder medical plans, you pay a small office visit co-payment, in most cases $30, and the plan pays the remaining balance, $109.

Add in an EKG at an average cost of $50, and your office visit charge goes to $103 for a PCP visit and to $189 for a Specialist. You are still only responsible for your $20 or $30 co-payment, and the plan pays the balance of the charge. In this example, $83 for a PCP visit and $159 for a specialist visit.