How Much Is Urgent Care Without Insurance?

How Much is Urgent Care Without Insurance – Overview

For basic Level-1 urgent care visits without insurance, the cost typically ranges from about US$100 to US$200. The overall cost will also depend on the location of the healthcare service provider.

Whether you have a simple fever and sore throat or something serious, like a sports injury, urgent care is the best option for convenience and affordability.

Typical Urgent Care Costs

How Much Is Urgent Care Without Insurance

How Much Is Urgent Care Without Insurance – What Are Typical Urgent Care Costs?

The average cost of an urgent care visit without insurance typically ranges from US$ 100 to US$ 200.

If you visit for a more complex reason, such as that involving X-rays or ultrasound imaging tests, you should expect this average cost to rise by 30% to 50%. For instance, a spine-related urgent care visit requiring an X-ray scan can generally cost US$ 200 to US$ 400 without insurance.

However, the exact cost of an urgent care visit without insurance will also depend on several other factors, such as the procedure you undergo and the charges the healthcare center applies.

Factors That Influence the Cost of Urgent Care Without Insurance

Several factors combine to form the total cost of undergoing urgent care at a healthcare center without valid health insurance.

Some of the most common factors that decide the overall cost of urgent care visits without insurance include:

1. The Complexity of the Situation

Most urgent care clinics offer different service levels depending on the severity of the medical problem. Complicated problems usually involve multiple procedures and tests.

Hence, it is highly recommended that you identify which level (Level I or Level II) you need to be treated at to determine how much you will need to pay out of pocket.

For instance, if you visit urgent care clinics for a sore throat, flu, or infectious disease, you usually have to pay the charges applicable to a basic visit.

Conversely, sports injuries that require undergoing an X-ray scan or minor surgeries fall under the advanced visits category.

A minor urgent care visit typically costs between US$100 and US$200, while more complex urgent care visits may cost between US$200 and US$400.

2. Duration/Frequency of Urgent Care visits

Urgent care clinics typically charge an office visit fee that includes the consultation with a healthcare provider, but additional costs may apply for procedures, tests, or treatments. Every urgent care clinic has a different cost for office visits. This tends to be the baseline fee that you have to pay.

The average cost for an office visit at urgent care clinics typically ranges from US$100 to US$200. The doctor’s recommendation for basic tests and procedures may raise the charge even higher.

3. Location of Clinic

The total cost of an urgent care visit without insurance will also depend on the clinic’s location. As every clinic depends heavily on labor to run smoothly, the factors of supply and demand directly affect how much the clinic sets its price.

Services Provided Under Urgent Care

Commonly, urgent care clinics offer treatment for numerous non-life threatening medical problems, such as:

  • Cuts, bug bites, burns, and animal bites
  • Asthma
  • Allergic reaction
  • Sprains, falls, strains and broken bones
  • Ear infection
  • Flu and cold
  • Pink eye
  • Sinus pressure and sinus infections
  • Bronchitis and strep throat

Besides these treatments, urgent care clinics often provide lab services, such as:

  • STD testing
  • Electrolyte testing
  • Blood tests (for glucose, basic and comprehensive blood counts, etc.)
  • Pregnancy tests
  • Urinalysis
  • Fecal blood occult
  • Drug tests and screenings
  • Strep tests
  • Fly and rapid flu tests
  • Gynecological exams
  • Vaccination and flu shots
  • Well baby checks
  • Sports, school or annual physical exams

Alternatives to Urgent Care Without Insurance

A lack of proper insurance coverage can result in you having to pay a higher cost for urgent medical care and treatment.

However, there are several options that you can try to minimize the cost and make it more affordable, including:

Self-Pay Rates

Several online websites have cost calculators that can help to estimate how much your urgent care visit will cost if you don’t have health insurance.

The self-pay rate is the clinic’s cost for patients without health insurance. This is a great way to get on an affordable payment plan with the urgent care clinic.

Call before You go

Calling ahead to check for available time slots gives you a better understanding of how urgent care centers charge patients, especially those without health insurance policies.

You can easily request the overall cost, you may have to pay for an urgent care visit to the clinic and determine if it fits your budget.


It is more affordable to visit an urgent care clinic for emergency medical treatment than a hospital’s emergency room.

You will need to consider several factors, such as the duration of the visit, the location of the clinic, the expertise of medical practitioners, etc., to determine exactly how much you will need to pay out of pocket for an urgent care clinic visit without insurance.

See Also

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EIDL Grant

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Current Version
September 14, 2022
Written By
Shubham Grover
March 18, 2024
Updated By
Andrea Morales G.

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