Will Insurance Cover a Visit to an Urgent Care Facility?

At iCare ER and Urgent Care in Frisco, TX, we treat patients of all ages when they’re experiencing sickness or injury. We reduce the wait time you would experience at the nearest emergency room. We are owned and operated by local, board-certified emergency physicians who have immense experience in quickly providing patients with the medical help they need. We also offer diagnostic imaging, including ultrasounds, x-rays, and CT scans. Our urgent care center is open seven days a week from 7 a.m. to 8 p.m. Our professional staff can help you to understand your financial obligations and whether or not your visit will be covered by your insurance.

What we treat at our urgent care facilities

You should visit our nearest urgent care if:

  • You need blood work or x-rays

  • You took a fall and want cuts or scrapes looked at

  • You have a fever (children and infants should visit the ER)

  • You suspect that you have a cold, respiratory, ear, or sinus infection

  • You have unexplained neck or back pain

  • You have had diarrhea, nausea, or vomiting for more than two days

  • You have swollen lymph nodes

  • You require stitches for a minor cut

  • You have a sprain

  • You experienced a minor burn

  • You’re experiencing an allergic reaction, but can still breathe freely (if not, go to the emergency room)

  • You have discomfort while urinating or blood in your urine

In these situations, we can treat you at iCare ER and Urgent Care.

Urgent care coverage

The costs associated with your urgent care visit in Frisco, TX depend on if you need medication, lab work, diagnostic testing, or a combination of these services. Other factors that impact the costs include whether or not you have insurance, if you’ve met your deductible, how much your copay is, and if our urgent care center is in or out of your network. Our staff can clearly explain all costs associated with your urgent care visit with you.

When am I covered for urgent care services?

Each insurance provider determines whether or not they will cover urgent care centers. At iCare ER & Urgent Care, we work hard to deliver the most comprehensive urgent medical care available. In most cases, insurance companies do cover urgent care, but a copay is paid by the patient. However, you must ensure that our urgent care facility accepts your insurance. The insurance companies we accept at our Frisco, TX office include:

  • Blue Cross Blue Shield

  • UMR

  • UHSS

  • Novitas Solutions

  • United Healthcare

  • Superior Healthplan

  • Ambetter Superior Health

  • Web TPA

  • Aetna

  • Humana

  • Lifestyle Health Plan

  • Cigna

  • Merdian Health

  • Tricare East

For uninsured patients, we offer CareCredit. This program offers short-term 0% interest payment plans or low-interest extended payment plans with no upfront costs. If you’re not sure if we accept your insurance company, don’t hesitate to call our staff before you visit our urgent care facility.

Is urgent care cheaper than the emergency room?

Urgent care services are almost always cheaper than visiting an ER. When you need urgent medical care, but don’t feel that a trip to the emergency room is necessary, urgent care can be the best choice for your health. Since we do not operate and offer basic diagnostic testing, costs remain lower than that of a hospital.

Treat minor injuries or illnesses at our urgent care facility

At iCare ER and Urgent Care in Frisco and Fort Worth, TX, our urgent care facility provides medical care with minor illnesses or injuries. During the COVID-19 pandemic, we offer telehealth visits with our telemedicine service. This allows us to properly diagnose you and to send prescriptions to your local pharmacy for pick-up without you needing to visit our urgent care facility. We also provide coronavirus testing through our emergency room. For those that choose to visit our urgent care center during this pandemic, we will screen you before you can enter. We follow all CDC guidelines to make sure that our patients and staff stay safe and healthy.