Urgent Care Costs Without Insurance
If you don't have health insurance, urgent care is still an affordable option compared to emergency rooms. Most centers offer transparent pricing and payment plans for self-pay patients.
Cost Breakdown by Service
| Service | Typical Cost (Self-Pay) |
|---|---|
| Basic visit (exam only) | $100-$150 |
| Visit with minor treatment | $150-$250 |
| X-rays | $100-$300 |
| Lab work (blood, urine) | $50-$200 |
| Stitches | $200-$500 |
| IV fluids | $150-$300 |
| STD testing | $50-$200 |
How to Save Money at Urgent Care
- Ask about self-pay discounts: Many centers offer 20-40% off for cash payments
- Request an itemized estimate: Before treatment, ask what services will cost
- Compare prices: Call ahead—costs vary significantly between locations
- Ask about payment plans: Most urgent cares offer interest-free payment options
Urgent Care vs Emergency Room Costs
Without insurance, an ER visit averages $1,000-$3,000+ for similar services. Urgent care saves you 70-90% on non-emergency conditions.
| Condition | Urgent Care | Emergency Room |
|---|---|---|
| Flu/cold treatment | $100-$200 | $500-$1,500 |
| Sprained ankle + X-ray | $200-$400 | $1,000-$2,500 |
| Stitches (minor cut) | $200-$500 | $800-$2,000 |
Can You Negotiate Urgent Care Bills?
Yes! If you receive a bill that's higher than expected:
- Call the billing department and explain you're self-pay
- Ask about hardship discounts or sliding scale fees
- Request a payment plan if you can't pay in full
- Some centers will match competitor pricing