Urgent Care Without Insurance
You don't need health insurance to receive care at urgent care centers. They're designed to be accessible to everyone, including uninsured patients.
What to Expect as an Uninsured Patient
- Upfront pricing: Most centers post self-pay rates or will quote you before treatment
- Payment at time of service: You'll typically pay when you check in or check out
- Same quality care: You receive the same treatment as insured patients
- No referral needed: Walk in anytime during operating hours
Self-Pay Costs
| Service | Typical Self-Pay Cost |
|---|---|
| Basic visit | $100-$150 |
| Visit + X-ray | $200-$400 |
| Visit + lab work | $150-$350 |
| Visit + stitches | $300-$600 |
How to Save Money
- Ask about cash discounts: Many centers offer 10-40% off for paying cash
- Compare prices: Call multiple locations—prices vary significantly
- Request payment plans: Most centers offer interest-free installments
- Ask for an itemized estimate: Know costs before agreeing to treatment
- Consider telehealth: Virtual visits are often $50-$75
Why Urgent Care Over the ER?
Without insurance, the ER can cost $1,000-$3,000+ for the same services that cost $100-$300 at urgent care. Unless it's a true emergency, urgent care saves you significant money.
What to Bring
- Government-issued ID
- Payment method (credit/debit card, cash, or HSA card)
- List of current medications
- Any relevant medical records