How To Manage: The Cost Of Urgent Care Without Insurance: Explained
When you need medical help, there’s no time to wait around. There are millions of people that turn to the quick help of an urgent care center each year.
When it comes to many illnesses and injuries, quick help is the name of the game. Early prevention of treatment can literally be a lifesaver. But with convenience comes cost, nine times out of ten. And the cost of urgent care can be particularly worrying if you don’t currently have some form of health insurance.
What is the cost of urgent care without insurance? And how can you work through the price tag to get the help you need, when you need it? Read on, and we’ll walk you through everything you need to know.
Getting Help Without Insurance
It’s no secret that the health care system in America isn’t always the most user-friendly. Many Americans are dropping their programs or are forced to go without one if they can’t afford the high deductibles.
So if you’re currently without health insurance, you’re certainly not alone. In fact, over 25 million Americans are in the exact same boat as you. As insurance coverage continues to drop for many plans, many Americans have turned to urgent care centers as a more affordable alternative to hospitals or doctor’s offices.
If you need to go to an urgent care center for help, you’ll want to know how much you might be expected to pay. The last thing you want is to be blindsided by a bill you can’t afford at the end of the process.
The answer isn’t totally simple. After all, how much you’ll owe after your urgent care visit will likely depend on what your visit is even for. The common reasons patients visit urgent care centers include strep throat, earache, pink eye, infections, and allergy care.
Urgent care centers can care for a wide variety of injuries and illnesses, and the list could go on and on.
The cost of care for these common ailments usually hovers somewhere around or above the $120 mark. This is a fair deal lower than the price tag attached to the same issues at a hospital emergency room, where prices can get as high as $1,000.
If you don’t have insurance, heading to the urgent care center is definitely the right move. They’re much more likely to be able to offer help at a price tag that you can afford.
Managing Urgent Care Payments
Even with the more affordable payment expectations, many people still have trouble paying out of pocket for urgent care center needs. Many Americans don’t have enough money saved up for any kind of medical emergency. They simply live paycheck to paycheck.
There are a number of steps you can take to help manage the cost of your healthcare, even if you are without insurance.
For one, you should make sure to look up urgent care rates before you visit a location. Many urgent care centers list the cash or self-pay rates for common services on their website. Knowing these costs ahead of time can help you budget and evaluate the choices you have at hand.
Some urgent care centers will even offer deductions or discounts for patients who agree to pay cash upfront. Even if your urgent care center doesn’t have such a policy listed, it can be worth inquiring about.
These centers exist to help people, and they may be more willing to work out a way to help than you may expect. For example, many urgent care centers also offer payment plans for those paying out of pocket.
These payment plans are often very affordable, and have little to no interest, ensuring they don’t overwhelm the patient. If you have trouble paying your bill, let your doctor know and they may be able to offer a number of solutions.
If your doctor prescribes you some form of medication, ask if the generic version of that medication will work and is available. The generic form of many medicines offer the same ingredients at a fraction of the price. This is another great way to save money.
Last but not least, always remember to check your bill! Mistakes sometimes happen, and the last thing you want to happen is to be charged for services that you didn’t even receive.
Other Situations to Be Aware of
With the above tips, you should be able to help make urgent care affordable for your budget. But there are a few other situations or circumstances that might also be able to help your situation.
If you were injured or fell ill due to conditions at work, you actually are likely covered under your employer’s worker’s compensation insurance. State laws require employers to provide such insurance for their employees.
This insurance covers medical costs associated with the workplace environment. If this is your situation, you should notify your employer and they should be able to assist you in paying for your care.
Sometimes, urgent care centers will charge for after-hours visits. These are visits that occur after the center’s normal business hours. If you can help it, try to avoid trips at such hours as they’ll raise the cost of your trip.
The Cost of Urgent Care Without Insurance
Urgent care centers offer quick help at a reasonable price for many people without insurance. Americans of all kind are looking to such centers for help when they fall ill or are injured. Understanding the cost of urgent care without insurance can help reassure you that their medical help is something you can afford.
Get the help you need, when you need it. Check out our blog for more urgent care perks.