Understanding Urgent Care Costs With Insurance
When you have health insurance, your urgent care costs depend on your specific plan's copays, deductibles, and whether the center is in-network.
Typical Copays by Plan Type
| Plan Type | Typical Urgent Care Copay |
|---|---|
| HMO | $25-$50 |
| PPO (in-network) | $35-$75 |
| PPO (out-of-network) | $75-$150+ |
| High-deductible (HDHP) | Full cost until deductible met |
| Medicare | 20% coinsurance after deductible |
| Medicaid | $0-$5 |
Additional Service Costs
Beyond the visit copay, you may pay extra for:
| Service | Typical Copay/Coinsurance |
|---|---|
| X-rays | $25-$50 |
| Lab work | $10-$30 |
| Stitches/procedures | $50-$100 |
| Prescriptions | $5-$50 (at pharmacy) |
In-Network vs Out-of-Network
Always try to use an in-network urgent care center:
- In-network: Lower copays, counts toward deductible
- Out-of-network: Higher costs, may not count toward deductible
- Tip: Call your insurance or check their website before visiting
High-Deductible Plans (HDHP)
If you have a high-deductible health plan, you'll pay the full negotiated rate until you meet your deductible. This is typically:
- Visit: $100-$150 (negotiated rate)
- X-ray: $75-$150
- Lab work: $25-$100
After meeting your deductible, you'll pay your plan's coinsurance (often 10-20%).