Chi Phí Khám khẩn cấp Là Bao Nhiêu?
An urgent care visit provides immediate medical attention for non-life-threatening conditions such as minor injuries, infections, allergic reactions, and flu symptoms. Urgent care centers offer extended hours and walk-in appointments as a more affordable alternative to emergency rooms.
Không Bảo Hiểm
$200
Có Bảo Hiểm
$35
Medicare
$25
Trung Bình Quốc Gia
$87
By Elena Bellini, MPH, Health Policy & Management · Last reviewed 2026-04-21 ·
Sources: CMS Medicare Provider Utilization and Payment Data 2025 · Methodology · Editorial standards Tổng quan
An urgent care visit covers evaluation and treatment of non-life-threatening medical problems at a walk-in clinic — ear infections, minor lacerations, sprains, rashes, UTIs, simple respiratory infections, and similar acute concerns. Most centers are open evenings and weekends, staff physicians or advanced practice providers, and are substantially cheaper than emergency departments for the same complaint. A typical visit runs 30 to 60 minutes end to end. The base visit charge is one evaluation-and-management (E&M) code, usually level 2-4, but many services — X-rays, lab tests (strep, flu, COVID, UA), splinting, laceration repair, IV fluids, nebulized albuterol, injections — are billed separately on top. Freestanding emergency departments that look like urgent care but bill at ER rates are a notable pricing trap; confirm the facility is a licensed urgent care, not a freestanding ED, before you check in.
Yếu tố ảnh hưởng đến chi phí
- Visit complexity level: urgent care visits are billed at E&M levels 2-4; a quick recheck is cheaper than a full evaluation with significant workup.
- On-site testing: rapid strep, flu, COVID, urinalysis, and pregnancy tests each add a separate CPT charge.
- Imaging: an X-ray for a suspected fracture or chest imaging for pneumonia adds significant cost on top of the visit.
- Procedures performed: laceration repair, splinting, IV fluids, injections, or nebulizer treatments each add CPT charges.
- Facility type: licensed urgent care is cheaper than freestanding emergency departments that look similar but bill at ER rates.
- In-network vs out-of-network: commercial plans often have distinct copays for in-network urgent care; out-of-network visits can cost much more.
Cách Tiết Kiệm
- Verify the facility is a licensed urgent care, not a freestanding emergency department — the billing difference can be several-fold.
- Use your insurer's urgent care finder to confirm in-network status and copay before you go.
- Choose urgent care over the ER for non-emergent issues — the cost difference is dramatic.
- Retail clinics (inside pharmacies) are cheaper than urgent care for the simplest issues (strep test, simple cold, UTI in uncomplicated women).
- Telehealth urgent care is often the cheapest option for issues that don't require a physical exam.
- Use your HSA or FSA to pay copays and coinsurance with pre-tax dollars.
Ghi chú về bảo hiểm và phạm vi bảo hiểm
Commercial plans cover urgent care visits with a copay (often lower than ER copay) plus coinsurance after deductible for any ancillary services like imaging, labs, or procedures. Medicare Part B covers urgent care as an outpatient visit (20% coinsurance after deductible). The ACA requires urgent care as an essential health benefit. Telehealth urgent care is covered by most plans and Medicare. Freestanding emergency departments are billed under emergency-service rules regardless of the acuity of the visit — a major reason to confirm facility type in advance. HSA and FSA dollars can be used for cost-sharing.
Data sources for this page
Cost figures on this page are compiled from the following sources, triangulated per the rules in our methodology:
- CMS Medicare Provider Utilization and Payment Data 2025 — primary CMS reference used as the Medicare-rate anchor.
- Hospital Price Transparency machine-readable files (HPT MRFs) from a sample of major hospitals in each state, per the federal Hospital Price Transparency rule.
- Transparency in Coverage payer in-network rate files for commercial-rate cross-validation.
- State All-Payer Claims Database (APCD) summaries where published (Colorado, New Hampshire, Massachusetts, Minnesota, Maine, Utah, Vermont, Rhode Island, Washington, Oregon).
Last reviewed 2026-04-21. See editorial standards for our fact-checking process and correction policy.
Range: $146 to $276 · 50 states shown
Chi Phí Theo Tiểu Bang
| Tiểu Bang | Không Bảo Hiểm | Có Bảo Hiểm | Medicare |
|---|---|---|---|
| Mississippi | $146 | $26 | $18 |
| Arkansas | $150 | $26 | $19 |
| West Virginia | $150 | $26 | $19 |
| Alabama | $156 | $27 | $20 |
| Oklahoma | $156 | $27 | $20 |
| Kentucky | $170 | $30 | $21 |
| Louisiana | $172 | $30 | $22 |
| Iowa | $176 | $31 | $22 |
| New Mexico | $176 | $31 | $22 |
| South Carolina | $176 | $31 | $22 |
| South Dakota | $176 | $31 | $22 |
| Kansas | $178 | $31 | $22 |
| North Dakota | $178 | $31 | $22 |
| Idaho | $180 | $32 | $22 |
| Nebraska | $180 | $32 | $22 |
| Tennessee | $180 | $32 | $22 |
| Indiana | $186 | $33 | $23 |
| Missouri | $186 | $33 | $23 |
| Utah | $186 | $33 | $23 |
| Wyoming | $186 | $33 | $23 |
| Georgia | $188 | $33 | $24 |
| North Carolina | $188 | $33 | $24 |
| Michigan | $190 | $33 | $24 |
| Montana | $190 | $33 | $24 |
| Arizona | $196 | $34 | $24 |
| Ohio | $196 | $34 | $24 |
| Wisconsin | $196 | $34 | $24 |
| Maine | $198 | $35 | $25 |
| Texas | $198 | $35 | $25 |
| Florida | $202 | $35 | $25 |
| Minnesota | $202 | $35 | $25 |
| Illinois | $206 | $36 | $26 |
| Pennsylvania | $206 | $36 | $26 |
| Delaware | $208 | $36 | $26 |
| Nevada | $208 | $36 | $26 |
| Vermont | $208 | $36 | $26 |
| Virginia | $208 | $36 | $26 |
| Colorado | $212 | $37 | $26 |
| New Hampshire | $212 | $37 | $26 |
| Oregon | $212 | $37 | $26 |
| Maryland | $220 | $38 | $28 |
| Rhode Island | $222 | $39 | $28 |
| Washington | $222 | $39 | $28 |
| Connecticut | $240 | $42 | $30 |
| New Jersey | $240 | $42 | $30 |
| California | $262 | $46 | $33 |
| Massachusetts | $266 | $47 | $33 |
| Alaska | $270 | $47 | $34 |
| New York | $270 | $47 | $34 |
| Hawaii | $276 | $48 | $34 |
Câu Hỏi Thường Gặp
Chi phí khám khẩn cấp không bảo hiểm là bao nhiêu?
Chi phí trung bình của khám khẩn cấp không bảo hiểm tại Hoa Kỳ là $200. Chi phí khác nhau đáng kể theo tiểu bang.
Bảo hiểm có chi trả khám khẩn cấp không?
Hầu hết các gói bảo hiểm y tế chi trả khám khẩn cấp khi cần thiết về mặt y tế. Với bảo hiểm, chi phí tự trả trung bình là $35.
Medicare có chi trả khám khẩn cấp không?
Medicare Part B thường chi trả khám khẩn cấp khi có chỉ định của bác sĩ. Số tiền Medicare phê duyệt trung bình là $25.
Được xem xét bởi Elena Bellini · Xem xét lần cuối: 2026-04-21
Dữ liệu từ CMS Medicare Provider Utilization and Payment Data 2025. Cập nhật lần cuối: 2026-03-01. Thông tin này chỉ mang tính giáo dục và không phải lời khuyên y tế. Trang web này chỉ mang tính chất thông tin và không cấu thành lời khuyên y tế. Luôn tham khảo ý kiến chuyên gia y tế có trình độ.