Does Health Insurance Cover Urgent Care? 
Yes . Now , how it is covered can vary significantly from one insurance carrier to another and even within the various health insurance plan options a specific health insurance carrier offers . So , your coverage for an Urgent Care visit can range all the way from a simple copayment to being subject to your plan 's deductible and coinsurance requirements depending upon the plan you are enrolled in . Urgent Care is for those situations such as minor injuries or sudden onsets of mild illnesses that do n't justify the use of a hospital emergency room but require timely attention that ca n't be provided by your primary care physician -LRB- weekends , doctor is all booked up that day , etc. -RRB- . Services delivered in an Urgent Care setting are usually far less expensive than the same treatment received in an emergency room so most health plan designs are set up to encourage their members to use an Urgent Care/Minor Medical delivery site as opposed to going to the emergency room . 