What it costs to answer the phone.
A medical practice that misses a quarter of its calls during open hours and all of them after hours loses about $334,081 a year in appointments, at our calculator’s defaults. There are four usual ways to answer those calls: a receptionist on staff, an offshore virtual receptionist, a live answering service and an AI agent. They cost different amounts and do very different things with a call. Here is each one, measured against that loss.
What the missed calls cost.
Start with the calls nobody answers. At our calculators’ defaults, they cost a medical practice taking 60 calls a day about $334,081 a year in lost appointments, a law firm taking 30 calls a day $726,737 in matters never opened, and a contractor taking 25 calls a day $381,972 in jobs booked elsewhere. Each calculator lists its sources and takes your own call volume: medical, law, field services.
Every option below costs a fraction of that. What separates them is how many of those calls each one turns into a booking.
A receptionist on staff.
The federal median wage for a receptionist was $18.27 an hour in May 2025, $38,010 a year. That is the wage. Payroll taxes, benefits, a desk, software and covering absences add a third or more, so a fully loaded receptionist in a US city runs about $25 to $30 an hour. We use $30 as the working figure.
For that you get the most capable option. A person who knows the practice can book, reschedule, take a payment, calm someone down and recognize a regular. The limit is hours. One receptionist covers one line for about 40 hours a week, minus lunch, holidays and sick days. Every call that arrives while they are on another call, or after six, goes to voicemail.
A second limit is turnover. The role is entry level and the median tenure is short, so the training cost repeats.
An offshore virtual receptionist.
A dedicated receptionist working remotely from the Philippines or Latin America costs a fraction of a local hire. Staffing vendors quote general virtual assistants at $5 to $17 an hour direct and $15 to $25 through a managed service. For a dedicated receptionist with good English, the quotes we have seen top out near $10 an hour. No vendor publishes a receptionist-specific rate, so treat that as our benchmark.
What you get is close to the in-house option: a person who learns your systems and can book into them. What you give up is the walk-up desk, and you take on a time zone, a dependence on their connection, and the same 40-hour limit. Two shifts cover more hours, at twice the cost.
A live answering service.
Answering services bill by the minute or by the call. Vendor price lists put live answering at roughly $0.75 to $2.00 a minute, packages of 100 to 500 minutes at $250 to $1,200 a month, and per-call plans at $1.75 to $8 a call. Setup fees of $50 to $300 are common, and overage minutes cost more than the base rate. The figures come from vendors and disagree with each other, so get three quotes.
The service covers all hours, and that is what you pay for. The limit is what the operator can do. Most take a message and relay it. Some will book into a shared calendar if you give them access and a script. Few can see your schedule, your patient record or your job board, so the operator turns a call that needs an answer from your systems into a message for the morning. The caller still waits for a callback, as with voicemail.
At 300 minutes a month, which is about 100 short calls, a service costs roughly what a receptionist costs for two days.
An AI agent.
Off-the-shelf AI receptionist plans list at $25 to $65 a month for answering and taking messages, and $99 to $299 a month with booking into a calendar. Per-call overages run $0.65 to $11 and setup $0 to $500. These plans answer and book into a generic calendar. They do not read or write your EHR, your case management system or your dispatch board.
The capable tier answers at any hour, takes many calls at once, and books into the schedule while the caller is on the line. Unlike an answering service, it can act on a call as well as relay it. It cannot exercise judgment. A caller who is distressed, a clinical question, a dispute about a bill, all need a path to a person, and the quality of that handoff separates a good deployment from a bad one.
An agent that reads and writes your own system is a different product. Connecting it to the EHR, the case management system or the dispatch board is a build, quoted up front. That connection lets the agent book the right appointment type, run a conflict check or open the job while the caller is on the line. We build agents that read and write to whatever system a business has, with or without an API. See how it works for a practice.
The hours nobody covers.
AnswerConnect’s call logs put 47% of calls to US businesses outside Monday to Friday working hours, weekends included. That figure comes from an answering service’s customers, who already get after-hours calls, so it is high for a practice with fixed hours. Even at half that, a receptionist alone leaves a quarter of calls to voicemail. The missed call statistics page has the rest of the numbers.
| Option | Typical cost | Hours covered | Can book into your system | Handles judgment |
|---|---|---|---|---|
| Receptionist on staff | $25 to $30 an hour loaded | 40 a week | Yes | Yes |
| Offshore virtual receptionist | up to $10 an hour | 40 a week per person | Yes, remotely | Yes |
| Live answering service | $0.75 to $2 a minute | All | Rarely | Partly |
| Off-the-shelf AI plan | $25 to $299 a month | All | Into a generic calendar | No, hands off |
| AI agent connected to your systems | Quoted per build | All | Yes | No, hands off |
Most practices and firms end up with two of these: a person for the hours and the judgment, and something that covers the rest. The missed-call calculator prices the rest for your own call volume.
Sources.
- Receptionists, median pay. US Bureau of Labor Statistics, Occupational Outlook Handbook, 2025. Median pay $18.27 an hour, $38,010 a year, May 2025. Before benefits, payroll taxes, space and the cost of covering absences. Source
- Offshore virtual assistant and receptionist rates. Stealth Agents and other staffing vendors, 2026. Philippine virtual assistants quoted at $5 to $17 an hour direct, $15 to $25 through a managed service. No receptionist-specific rate published; a dedicated offshore receptionist at up to $10 an hour is our own benchmark from quotes. Source
- Answering service and virtual receptionist prices. Callin.io and other vendor roundups, 2025. Live answering services quoted at roughly $0.75 to $2.00 a minute, or $250 to $1,200 a month for 100 to 500 minutes; per-call plans $1.75 to $8 a call; setup fees $50 to $300. Vendor figures that disagree with each other. Source
- AI receptionist pricing for medical practices. TRTC, Keragon, DoctorConnect and other vendor guides, 2026. Basic AI-only plans $25 to $65 a month with capped calls; plans with booking and calendar integration $99 to $299; per-call overages $0.65 to $11; setup $0 to $500; one medical vendor lists $75 a month per location plus usage. Vendors describing their own market. Source
- 47% of business calls occur after hours. AnswerConnect, 2026. US call logs, 5,906,476 minutes, April to June 2026: 47% of calls arrived outside Monday to Friday working hours or on weekends, across all industries. An answering service's own customers, who skew toward businesses that already get after-hours calls, so the defaults here sit well below 47%. Source
Questions.
- Why is the receptionist cost higher than the wage?
- Payroll taxes, benefits, space, equipment and the cost of covering sick days and holidays. A loaded rate of 1.3 to 1.6 times the wage is normal for an office role. The $30 figure is our working number for a US city.
- Is $10 an hour for an offshore receptionist real?
- It is the top of the quotes we have seen for a dedicated, English-fluent receptionist through a staffing firm. General virtual assistants are quoted lower. No vendor publishes a receptionist-specific rate, so get your own quote.
- Does an AI agent replace the receptionist?
- Usually not. It takes the calls that arrive while the receptionist is busy or gone, and the routine ones. The receptionist keeps the desk, the judgment calls and the callers who ask for a person.
Price the calls you miss.
Three calculators, for practices, firms and contractors, start from sourced defaults and take your own call volume.
Open the calculatorsRelated: Missed call statistics · How to measure missed calls · AI voice agents and HIPAA · AI vs live answering service for a law firm · Voice agents for medical practices · AI intake and answering for law firms · AI answering for field service