Does Your Insurance Cover Urgent Care?

Navigating the world of health insurance can often feel overwhelming, especially when trying to determine if your insurance covers urgent care visits. With the rise of urgent care centers providing quick and efficient medical services, understanding your insurance policy is crucial to avoid unexpected expenses. Let’s take a look at the common conditions covered by insurance, how to navigate insurance policies, common issues encountered with urgent care, and how to claim insurance for urgent care visits.

Common Conditions Covered by Insurance

At TGH Urgent Care powered by Fast Track, we address a broad spectrum of conditions that are commonly treated at urgent care centers. Here are some common conditions we handle:

Respiratory Infections

Respiratory infections such as bronchitis, pneumonia, and sinusitis are frequently addressed at TGH Urgent Care powered by Fast Track. These conditions require timely medical intervention to prevent complications and ensure speedy recovery. Our experienced healthcare professionals are equipped to provide comprehensive assessments, prescribe appropriate medications, and offer supportive care to help alleviate symptoms and promote respiratory health.

Minor Injuries

Minor injuries like sprains, strains, minor fractures, and cuts requiring stitches are common reasons patients visit TGH Urgent Care powered by Fast Track. We provide comprehensive care to alleviate pain and promote healing. Our skilled team utilizes advanced techniques and treatments, including splinting, suturing, and wound care, to ensure optimal recovery and minimize long-term complications.


Common illnesses such as the flu, strep throat, and ear infections, are also treated at TGH Urgent Care powered by Fast Track. Our experienced team offers quick relief and minimizes the need for emergency room visits. We conduct thorough evaluations, offer appropriate medications, and provide patient education to manage symptoms effectively and prevent recurrence.

Skin Conditions

Skin conditions including rashes, insect bites, and minor burns are handled at TGH Urgent Care powered by Fast Track. We offer effective treatments to alleviate discomfort and prevent infections, ensuring your skin health is well-managed. Our healthcare providers perform careful assessments, prescribe topical treatments or medications as needed, and provide guidance on wound care and prevention strategies.

Diagnostic Services

TGH Urgent Care powered by Fast Track provides essential diagnostic services such as X-rays, and lab tests. These services play a crucial role in diagnosing and managing various medical conditions, all in a convenient urgent care setting. Our state-of-the-art diagnostic equipment and skilled technicians ensure accurate results and prompt medical intervention, supporting comprehensive healthcare management for our patients.

Navigating Insurance Policies

Understanding your insurance policy is key to knowing what is covered during an urgent care visit. Here are steps to help you navigate your insurance policy:

Review Your Insurance Plan

Start by thoroughly reviewing your insurance plan. Look for details on urgent care coverage, including co-pays, deductibles, and any specific exclusions. Pay attention to the section that outlines emergency and urgent care services.

Contact Your Insurance Provider

If you have questions or need clarification regarding coverage for urgent care visits, it’s advisable to contact your insurance provider directly. They can provide detailed information about what medical services are covered, any associated costs, and specific procedures you may need to follow. Common questions to ask your insurance provider include:

  • What urgent care services are covered under my plan?
  • Are there any co-pays or deductibles I need to pay for urgent care visits?
  • Are there specific urgent care centers or networks I should use to maximize coverage?
  • Do I need prior authorization before seeking urgent care services?
  • What documentation or information do I need to provide when visiting an urgent care center?

Contacting your insurance provider ensures you have accurate information about your coverage, helping you make informed decisions about your healthcare needs.

Check for In-Network Providers

Ensure that the urgent care center you plan to visit is in-network with your insurance provider. Visiting an in-network provider usually means lower out-of-pocket costs compared to out-of-network services.

Understand Co-Pays and Deductibles

Co-pays and deductibles can significantly impact your out-of-pocket expenses. A co-pay is a fixed amount you pay for a service, while a deductible is the amount you must pay before your insurance starts covering costs. Make sure you understand these aspects of your policy.

Common Insurance Issues with Urgent Care

Despite having insurance, patients can encounter several common issues when seeking urgent care services. Being aware of these issues can help you better prepare and avoid surprises.

  • Coverage Limitations: Some insurance plans may have limitations on the number of urgent care visits covered annually. Review your policy to understand any visit limitations and plan accordingly.
  • Pre-Authorization Requirements: Certain insurance plans require pre-authorization for urgent care visits, especially for specific treatments or diagnostic tests. Failing to obtain pre-authorization can result in denied claims.
  • Out-of-Network Charges: Visiting an out-of-network urgent care center can lead to higher costs or denied claims. Always check if the urgent care center is in-network to minimize expenses.
  • Claim Denials: Claim denials can occur for various reasons, including incomplete information, lack of pre-authorization, or services deemed non-essential. If a claim is denied, you can appeal the decision with your insurance provider.

Common Questions Asked About Insurance Coverage for Urgent Care

Most insurance plans cover a variety of services at urgent care centers including treatment for non-life-threatening illnesses and injuries, and diagnostic tests. However, coverage details can vary depending on the plan you have, so it’s always best to check with your insurance provider for specifics.

Depending on your insurance plan, you may need to meet a deductible before coverage starts. Typically, urgent care services count towards your annual deductible. Always verify the amount and coverage with your insurance provider.

Some insurance plans require prior authorization for certain services at urgent care centers. Failing to obtain this can result in higher out-of-pocket costs, so it’s important to understand your plan’s requirements by contacting your provider.

You can find out if an urgent care center is in your network by checking your insurance provider’s website or by calling their customer service. Using in-network services usually results in lower out-of-pocket costs. You can find a complete list of insurances we accept by clicking here.

Always bring your insurance card, a valid ID, and any copayment or deductible that might be due at the time of the visit. It’s also helpful to bring a list of any medications you are taking.

How TGH Urgent Care powered by Fast Track Can Help with Your Insurance Needs

At TGH Urgent Care powered by Fast Track, we prioritize making your urgent care experience as seamless and stress-free as possible, especially when it comes to navigating insurance coverage. With over 19 locations throughout the greater Tampa Bay area, we work with a wide range of insurance providers to ensure comprehensive coverage for a variety of urgent care services. Whether you’re seeking treatment for minor injuries, respiratory infections, or other urgent health concerns, TGH Urgent Care powered by Fast Track is committed to ensuring you receive the care you need with full transparency regarding coverage and costs. It’s essential to remember that to completely understand what is covered by your insurance and for more information on your package you need to contact your insurance provider.


The blogs presented by TGH Urgent Care in partnership with Fast Track are not a replacement for medical care and are exclusively intended for educational purposes. The content provided here should not be construed as medical guidance. If you are encountering any symptoms, we strongly recommend that you seek an appointment with a duly qualified medical practitioner at our nearest facility.

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Commitment to Responsible Prescribing Practices

We are committed to responsible antibiotic prescribing practices. Our goal is to adequately treat infections while protecting our community from the harmful effects of antibiotic resistant infections. TGH Urgent Care has earned the Antibiotic Stewardship Commendation Award from the Urgent Care Association due to our ongoing commitment to this goal.

The wait was minimum and the PA was very understanding. The staff at the front desk could be a bit more friendly. Other than that, good overall experience.

Alexander C.
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By far the nicest urgent care I've had the unfortunate opportunity to experience. The cleanliness and friendliness of this clinic are unmatched. - Sara S.

Sara S.
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Fast, quick, responsive, professional and courteous.

Melanie G.
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The entire staff was so friendly & helpful. Our first visit here was quick, the office was very clean & they were great with my kids. We will be back for sure!

Sandra P.
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CLEAN, CLEAN, CLEAN and very friendly!!!

Rosaria F.
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You dealt with my issue promptly and efficiently and i was on my way.

Stephen S.
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The staff was wonderful, very caring and truly cared about how I was.

Brandy P.
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