Is an urgent care visit covered by insurance?

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An urgent care is a great option to get immediate care for you or your loved one. However, you might be wondering if your urgent care visit would be covered by your insurance.

How to know if you're covered?

Insurance providers decide if their plans cover urgent care clinic visits or not. However, most health plans are now covering urgent care visits. If you're not sure, please call your insurance provider to find out if your urgent care visit is covered or not. You should also be aware that you might be expected to pay a co-payment or a percentage of your total visit cost depending on your health plan.

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Most urgent cares, including Prognify Urgent Care, accept walk-ins. And, if you want to skip waiting we also offer options to schedule ahead. We also allow you to get care from the comfort of your home with our virtual care options. Based on a Debt.org study, the average urgent care visit costs between $75 to $125. At Prognify Urgent Care our mission is to provide affordable, high-quality care to the community and take pride in providing transparent pricing for our services.

How much does it cost?

If the urgent care clinic you're going to is in-network co-pay is typically around $20-$50, regardless of the reason for the visit. If the clinic is out-of-network then your co-pay might be as high as $100, so ensuring that the urgent care you're going to is in-network with your health plan will ensure that you don't end up with a sticker shock. Prognify Urgent Care is in-network with most major health plans in Michigan. We also have affordable pricing for self-pay or uninsured patients.

Is urgent care cheaper than an ER?

Studies have shown that urgent care visits are between 1/5th to 1/10th of an ER visit. The studies have also shown that almost 75% of emergency visits can be handled by most urgent cares. You'll not only be saving money but also saving time by choosing an urgent care over an ER for non-emergency care.

Key Takeaway: Most urgent care visits are covered by insurance.

Urgent care is a great option for same-day treatment for non-emergency care. Almost all insurance plans cover most urgent care visits, however it's always a good idea to check with your insurance provider and the specific urgent care location to understand your coverage.

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