Medicare Coverage for Urgent Care
Medicare provides coverage for urgent care services when you need immediate medical attention for non-life-threatening conditions.
Original Medicare (Parts A & B)
- Part B covers: Urgent care visits, doctor services, lab tests, X-rays
- Deductible: $240/year (2024)
- Coinsurance: You pay 20% after deductible
- Example: $150 visit = $30 out of pocket (after deductible met)
Medicare Advantage Plans
If you have a Medicare Advantage plan (Part C):
- Copays vary by plan (typically $20-$65)
- Must use in-network urgent care centers
- Check your plan's specific benefits
What's Covered
- Doctor/NP evaluation and treatment
- X-rays and lab tests
- Minor procedures (stitches, splints)
- Prescriptions (covered under Part D)
Finding Medicare-Accepting Urgent Care
Most urgent care centers accept Medicare. To verify:
- Call ahead and ask if they accept Medicare
- Use Medicare's provider finder tool
- Check if they're in your Medicare Advantage network