How Much is Urgent Care Without Insurance – Overview
For basic Level-1 urgent care visits without insurance, you should be ready to pay anywhere between US$ 140 to US$ 440 for advanced Level-2 visits. The overall cost will also depend on the location of the healthcare service provider.
Regardless if you have a simple fever and sore throat or something serious like a sports injury, urgent care is the best way for convenience and affordability.
Typical Urgent Care Costs
The average cost of an urgent care visit (including 20-30 minutes with a doctor and multiple diagnostic tests) is usually around US$ 189 to US$ 299, out of pocket.
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 that requires an x-ray scan can cost up to US$ 300 to US$ 450, without insurance.
However, the exact cost of urgent care visit without insurance will also depend on several other factors, such as the procedure you undergo and the charges applied by the healthcare center.
Factors That Influence Cost of Urgent Care Without Insurance
There are several factors that combine together 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 tend to have different service levels, depending on the severity of the medical problem. Complicated problems usually involve multiple procedures and tests.
Hence, it is highly recommended to identify on which level (Level I or Level II) you need to be treated, to determine how much you will need to pay out of pocket.
For instance, if you visit urgent care clinics for sore throat, flu or an infectious disease, then you usually have to pay charges applicable for a basic visit.
On the other hand, sports injuries that require undergoing an x-ray scan or minor surgeries fall under the advanced visits category.
So, a minor urgent care visit will usually cost around US$ 80 to US$ 280, while more complex urgent care visits may cost you between US$ 140 and US$ 440.
2. Duration/Frequency of Urgent Care visits
Every medical clinic charges an office visit fee whenever you walk in to see the physician or doctor, regardless of the reason. Every urgent care clinic has a different cost for office visits. This tends to be the baseline fee that you have to pay.
Usually, an office visit charge is between US$ 100 and US$ 200. This charge may be even higher if the doctor recommends basic tests and procedures. According to studies, the average baseline office visit charges at urgent care clinics are around US$ 141.50.
3. Location of Clinic
The total cost of an urgent care visit without insurance will also depend on the location of the clinic. As every clinic depends heavily on labor to run smoothly, the factors of supply and demand directly affect how much the clinic will set 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
- 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
- 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:
There are several online websites that 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 cost set by the clinics 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 to receive emergency medical treatment, as compared to visiting an emergency room at a hospital.
You will need to consider several factors, such as duration of visit, 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.