Telehealth vs In-Person Care Cost Comparison Calculator
ANA›Life Services Authority›National Calculator Authority›Telehealth vs In-Person Care Cost Comparison Calculator
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Telehealth vs In-Person Care Cost Comparison Calculator
Compare the true total cost of telehealth versus in-person medical visits, including copays, travel expenses, and the value of your time.
### Visit Details
Number of Visits Per Year
### Telehealth Costs
Telehealth Copay / Visit Cost ($)
Monthly Telehealth Subscription Fee ($, if any)
Average Wait + Appointment Time (minutes)
### In-Person Costs
In-Person Copay / Visit Cost ($)
Round-Trip Distance to Clinic (miles)
Mileage Rate ($/mile, IRS 2024 = $0.67)
Parking / Transit Cost Per Visit ($)
Total Time Away (travel + wait + appointment, minutes)
### Your Time Value
Your Hourly Wage or Time Value ($/hour)
% of Time Cost to Include (0–100%)
Calculate
function telCalc() { // --- Inputs --- const visitsPerYear = parseFloat(document.getElementById('tel-visits-per-year').value); const telCopay = parseFloat(document.getElementById('tel-telehealth-copay').value); const telSubscription = parseFloat(document.getElementById('tel-telehealth-subscription').value); const telWaitMin = parseFloat(document.getElementById('tel-telehealth-wait-time').value); const ipCopay = parseFloat(document.getElementById('tel-inperson-copay').value); const roundTripMiles = parseFloat(document.getElementById('tel-round-trip-miles').value); const mileageRate = parseFloat(document.getElementById('tel-mileage-rate').value); const parkingCost = parseFloat(document.getElementById('tel-parking-cost').value); const ipTotalMin = parseFloat(document.getElementById('tel-inperson-total-time').value); const hourlyWage = parseFloat(document.getElementById('tel-hourly-wage').value); const timeCostPct = parseFloat(document.getElementById('tel-time-cost-pct').value);
// --- Validation --- const fields = [visitsPerYear, telCopay, telSubscription, telWaitMin, ipCopay, roundTripMiles, mileageRate, parkingCost, ipTotalMin, hourlyWage, timeCostPct]; if (fields.some(v => isNaN(v) || v ⚠️ Please enter valid non-negative numbers in all fields.'; return; } if (visitsPerYear ⚠️ Number of visits must be at least 1.'; return; } if (timeCostPct > 100) { document.getElementById('tel-result').style.display = 'block'; document.getElementById('tel-result').innerHTML = '⚠️ Time cost percentage cannot exceed 100%.'; return; }
const timeFactor = timeCostPct / 100;
// --- Telehealth Annual Cost --- // Direct costs const telDirectPerVisit = telCopay; const telDirectAnnual = telDirectPerVisit * visitsPerYear; const telSubscriptionAnnual = telSubscription * 12;
// Time cost const telTimePerVisitHr = telWaitMin / 60; const telTimeCostPerVisit = telTimePerVisitHr * hourlyWage * timeFactor; const telTimeCostAnnual = telTimeCostPerVisit * visitsPerYear;
// Total telehealth const telTotalAnnual = telDirectAnnual + telSubscriptionAnnual + telTimeCostAnnual; const telTotalPerVisit = telTotalAnnual / visitsPerYear;
// --- In-Person Annual Cost --- // Direct costs const ipTravelCostPerVisit = (roundTripMiles * mileageRate) + parkingCost; const ipDirectPerVisit = ipCopay + ipTravelCostPerVisit; const ipDirectAnnual = ipDirectPerVisit * visitsPerYear;
// Time cost const ipTimePerVisitHr = ipTotalMin / 60; const ipTimeCostPerVisit = ipTimePerVisitHr * hourlyWage * timeFactor; const ipTimeCostAnnual = ipTimeCostPerVisit * visitsPerYear;
// Total in-person const ipTotalAnnual = ipDirectAnnual + ipTimeCostAnnual; const ipTotalPerVisit = ipTotalAnnual / visitsPerYear;
// --- Savings --- const annualSavings = ipTotalAnnual - telTotalAnnual; const savingsPerVisit = ipTotalPerVisit - telTotalPerVisit; const savingsPct = ipTotalAnnual > 0 ? (annualSavings / ipTotalAnnual) * 100 : 0;
const cheaper = annualSavings > 0 ? 'Telehealth' : annualSavings '$' + v.toFixed(2).replace(/\B(?=(\d{3})+(?!\d))/g, ','); const fmtPct = v => v.toFixed(1) + '%';
let verdict = '';
if (annualSavings > 0.01) {
verdict = ✅ **Telehealth saves you ${fmt(absSavings)}/year (${fmtPct(absPct)} less)** — ${fmt(absPerVisit)} per visit.;
} else if (annualSavings
⚠️ In-Person care saves you ${fmt(absSavings)}/year (${fmtPct(absPct)} less) — ${fmt(absPerVisit)} per visit.
;
} else {
verdict =
ℹ️ Both options cost approximately the same.
`;
}
document.getElementById('tel-result').style.display = 'block'; document.getElementById('tel-result').innerHTML = ` ${verdict}
Cost Component Telehealth In-Person
Copay / Visit Fee (annual) ${fmt(telDirectAnnual)} ${fmt(ipCopay * visitsPerYear)}
Subscription Fee (annual) ${fmt(telSubscriptionAnnual)} $0.00
Travel / Parking (annual) $0.00 ${fmt(ipTravelCostPerVisit * visitsPerYear)}
Time Cost (annual) ${fmt(telTimeCostAnnual)} ${fmt(ipTimeCostAnnual)}
Total Annual Cost ${fmt(telTotalAnnual)} ${fmt(ipTotalAnnual)}
Cost Per Visit ${fmt(telTotalPerVisit)} ${fmt(ipTotalPerVisit)}
Time Per Visit (minutes) ${telWaitMin} min ${ipTotalMin} min
Based on ${visitsPerYear} visits/year at a time value of ${fmt(hourlyWage)}/hr (${fmtPct(timeCostPct)} included).
`; }
#### Formulas Used
Telehealth Annual Cost:
Tel_Annual = (Copay × Visits) + (Subscription × 12) + ((Wait_min / 60) × Hourly_Wage × Time_Pct% × Visits)
In-Person Annual Cost:
IP_Annual = ((Copay + Miles × Mileage_Rate + Parking) × Visits) + ((Total_min / 60) × Hourly_Wage × Time_Pct% × Visits)
Annual Savings:
Savings = IP_Annual − Tel_Annual Savings % = (Savings / IP_Annual) × 100
#### Assumptions & References
- Default mileage rate of $0.67/mile reflects the IRS 2024 standard mileage rate for medical travel (IRS.gov).
- Time savings from telehealth are well-documented: average in-person visit involves ~2 hours total time vs. ~20–30 minutes for telehealth (NCBI, 2021).
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