Cash-Pay Urgent Care: What’s Included in a $75

Cash or Insurance?

Healthcare costs can feel unpredictable—even when you have insurance. Copays, deductibles, and surprise bills often make it hard to know what a visit will actually cost.

That’s why cash-pay urgent care has become an appealing option for many patients and families.

At Bluffside Urgent Care, a cash-pay visit is $75. Here’s what that includes—and why, for many people, it’s often a simpler and more affordable choice than using insurance.

What a $75 Cash-Pay Visit Includes

A cash-pay visit at Bluffside Urgent Care covers the medical evaluation itself—the core of what most people need when they’re sick or injured.

Your visit includes:

• A full medical evaluation by a licensed provider

• Assessment of symptoms and medical history

• Physical exam

• Diagnosis and treatment plan

• Prescriptions when appropriate

• Clear guidance on home care and next steps

There’s no billing maze, no explanation of benefits to wait for, and no surprise facility fees weeks later.

What May Be Additional

Some services may have an additional cost, depending on what’s medically needed. These are discussed transparently before they’re done.

Examples include:

• Rapid testing (such as strep, flu, COVID, or urinalysis)

• Procedures like stitches or wound care

• Medications administered during the visit

The goal is clarity—so patients know what to expect before agreeing to anything.

Why Cash-Pay Can Be Cheaper Than Insurance

Many patients are surprised to learn that using insurance at urgent care can actually cost more than paying cash.

With insurance, you may face:

• Copays of $50–$100 or more

• Deductibles that must be met before coverage applies

• Coinsurance after the visit

• Additional bills weeks later

For patients with high-deductible plans or limited coverage, a $75 cash-pay visit is often the most cost-effective option, especially for straightforward concerns.

When Cash-Pay Makes the Most Sense

Cash-pay urgent care is often ideal when:

• You have a high-deductible insurance plan

• You’re uninsured or between plans

• You want to avoid surprise bills

• You need care quickly and predictably

• Your concern is simple and straightforward

It’s also a good option for families who want transparency and control over healthcare spending.

Can You Still Use Insurance?

Yes. Bluffside Urgent Care accepts insurance for patients who prefer to use their benefits.

The choice is yours.

Some patients use insurance for certain visits and cash-pay for others—it depends on what makes the most sense for their situation.

Quality of Care Is the Same

Choosing cash-pay does not mean lower-quality care.

The medical evaluation, attention, and clinical decision-making are the same whether you pay cash or use insurance. The difference is how the visit is billed—not how you’re treated.

A Simpler Way to Access Care

Healthcare doesn’t have to be complicated to be effective.

Cash-pay urgent care offers:

• Predictable pricing

• Faster check-in and checkout

• Fewer billing headaches

• A focus on care, not codes

For many patients, that simplicity is worth more than navigating insurance paperwork.

The Bottom Line

A $75 cash-pay urgent care visit provides a straightforward, transparent way to get same-day medical care—often for less than the cost of an insurance copay or deductible.

At Bluffside Urgent Care, we believe patients should have options. Whether you choose cash-pay or insurance, our goal is the same: quick, reliable care when you need it.