We’ve written this article to give you the information you need to know about how much urgent care is without insurance and which options will fit your budget best.
It’s the worst feeling in the world: you wake up with excruciating pain in your stomach, and you can’t even imagine how you’re going to work through the day.
You have some medical insurance, but it doesn’t cover urgent care visits, and you don’t have time to visit your primary care physician for something that won’t require extensive lab tests and specialist consultations.
What are your options? Are there affordable urgent care clinics in your area that will see you without appointments? How much does urgent care cost without insurance?
When you have to go to urgent care, you don’t want to get stuck with outrageous medical bills. Don’t worry – we’ve got you covered!
In this blog post, we’ll explain how much you can expect to pay at urgent care centers when you don’t have insurance coverage, and how urgent care centers can help you find affordable health insurance so your health never again compromises your financial stability.
A lot of people worry about how to get affordable medical treatment if they don’t have health insurance. Fortunately, there are many different options available depending on what your specific needs are and how much money you have to spend on care.
Must Read: If You Need Emergency Dental Care But I Have No Insurance & No Money, Click here to read
Table of Contents
- How Much Does Urgent Care Cost Without Insurance?
- Health Insurance In The United States
- The Affordable Care Act And Urgent Care
- What If I Don’t Have Insurance?
- How Urgent Care Costs Are Determined?
- Frequently Asked Questions
How Much Does Urgent Care Cost Without Insurance?
If you don’t have insurance and need urgent care, what do you do? If you’re over the age of 18 and don’t qualify for Medicaid (and you live in a state that has expanded Medicaid), then an urgent care visit could be as low as $80-$280 for basic-Level.
For an advanced-Level visit, it’s $140-$440. Many urgent care centers offer discounts for cash-pay customers. As always, prices vary by location and provider so be sure to call ahead to find out what your options are.
If a patient visits a walk-in clinic in an emergency, the typical costs are $189-$299 out of pocket.
If you find yourself in an urgent situation and are without health insurance, don’t worry. In most cases, a visit to the emergency room can be avoided by visiting a walk-in clinic.
Walk-in clinics typically charge $189-$299 out of pocket for patients who do not have health insurance. The cost of a visit to the emergency room can vary depending on your state and your medical needs.
For example, a person with Medicare coverage may be charged anywhere from $189-$299 if they go to the emergency room in California.
However, even if you pay less than what would normally be charged at a walk-in clinic or hospital, it’s important to consider other factors when weighing whether or not it’s worth going to the ER.
Check Also: How much does an eye exam cost without insurance?
Health Insurance In The United States
The Affordable Care Act (aka Obamacare) has two kinds of health insurance for people who don’t have access to affordable coverage through their employers. The first kind of plan is called a health insurance marketplace and the second kind of plan is called Medicaid.
A health insurance marketplace works just like any other store–you can compare different plans to find the one that’s right for you. Medicaid provides financial help to people who are low-income and uninsured.
If you’re eligible for Medicaid, you may be able to get this coverage even if you live in a state that didn’t expand Medicaid under the Affordable Care Act.
The Affordable Care Act And Urgent Care
The Affordable Care Act has made it easier than ever to find affordable health coverage. If you are uninsured or looking for a different plan, go to HealthCare.gov today! Once you’re there, you’ll be able to find a plan that meets your needs and budget.
Check out our blog post for more information about what the Affordable Care Act means for urgent care patients.
The Affordable Care Act does not cover all of your medical costs, but it does cover some things like annual checkups and preventive services. It also helps make sure that people with pre-existing conditions can get the care they need without paying for an arm and a leg.
There are no lifetime limits on how much coverage you can get either – so don’t worry if something bad happens to you before age 65!
What If I Don’t Have Insurance?
If you don’t have insurance and need urgent care, it’s still possible to get the treatment you need. Check with your local hospital or health system to find out what services they offer to people without insurance.
Some hospitals will see patients based on a sliding fee scale while others may offer free services. The Affordable Care Act also created new opportunities for people to apply for affordable health coverage.
The Health Insurance Marketplace offers options that are tailored to fit most budgets and can be used by any member of your family. You can visit Healthcare.gov for more information about how to enroll in coverage through the Marketplace.
Your state might also have its own Health Insurance Marketplace website you can use to sign up for Medicaid, CHIP, or other programs that might help you afford medical care.
How Urgent Care Costs Are Determined?
Many factors can influence the cost of urgent care. These include where you live, your insurance coverage, and the provider you visit. Furthermore, the cost will depend on if you go to an urgent care center or emergency room and how long you wait to seek treatment.
Various payment methods may be available to help offset some of these costs as well. Here we’ll explore some of these factors in greater detail so that you know what may be expected when seeking this type of medical attention.
If you have insurance then your out-of-pocket expense for a visit will likely be limited only by your deductible and copays for going to an urgent care center versus an emergency room.
On average, urgent care centers charge about $100 for a visit with no insurance and about $140 for those with insurance who don’t want to go to the ER.
Emergency rooms charge about $200 for those without health coverage plus more expensive tests because they are not meant for routine visits but rather life-threatening emergencies.
The most important factor when figuring out how much you will pay is whether it’s an emergency or not.
The urgent care centers offer services similar to hospitals with providers who specialize in specific fields such as pediatricians, cardiologists, dermatologists, and podiatrists among others which makes them ideal options for non-emergency situations like colds or minor injuries like cuts and scrapes that need stitches.
- The cost of urgent care without insurance can vary and be anywhere from $80 to $440.
- If you don’t have health insurance and need an urgent care facility for a common issue like a sore throat or earache, it might be worth looking into what your local hospital or medical center offers because many will charge far less than the private urgent care clinic.
- If you have health insurance and need to go to an urgent care clinic for something like a broken bone or cut needing stitches, your co-pay may only be $25 -$50 depending on your plan and deductible.
- It’s always best to call ahead before going in so you know exactly how much the visit will cost and there are no surprises when you get there.
Frequently Asked Questions
What is urgent care?
Urgent care centers are out-of-hospital facilities that offer medical care for non-life-threatening injuries or illnesses. Some of the more common services offered by urgent care centers are x-rays, lab tests, and stitches.
What should I expect when visiting an urgent care center?
When you visit an urgent care center you will typically have to sign in with a receptionist and give them your insurance information (if you have any). If you don’t have any insurance they’ll ask if you’re able to pay out of pocket and can give an estimate of how much it’ll cost. They will then direct you into one of the rooms where a doctor will be waiting for you.
I don’t have insurance. What should I do?
If you find yourself without insurance, there are a few things to keep in mind. First, make sure to speak with the staff before anything about payment because sometimes those costs can vary depending on who you see and what service is rendered. For example, some providers may charge differently for x-rays than stitches. Second, check your state laws on whether or not there are any requirements for people seeking healthcare without insurance. Lastly, find other resources like free clinics which may assist depending on eligibility requirements.
Do I have to be a certain age to go to urgent care?
Yes! The Affordable Care Act requires all individuals under the age of 19 to be covered under their parent’s health plan until they turn 26 years old.
Can I go to urgent care even if I’m uninsured?
Yes! If you do not have insurance but need emergency medical attention, most hospitals will provide treatment regardless of your ability to pay. Hospitals can also help you apply for Medicaid or other government programs so that your condition won’t result in lifetime bills.