That’s a great question. If you’re covered by insurance, the costs of care will depend on your plan’s specific parameters. In most cases, care is priced according to two factors: 1) the expediency of the care and 2) the complexity of care.
That means that emergency care is often quite pricey compared with other care settings. Your insurance copay or coinsurance is usually highest for emergency medicine services—and you’ll pay a higher cost out of pocket for emergency care, too.
Urgent care falls in the middle. Your costs under your insurance plan are probably below those for emergency care but above what it costs to see your primary care provider. The same is true if you’re paying out of pocket.
There’s also a cost in terms of time. While you should certainly seek emergency care if you’re experiencing life- or limb-threatening symptoms, you’ll often spend longer waiting for emergency care than you would at an urgent care facility because those with life-threatening symptoms are seen first. So, turn to an urgent care clinic or PCP for non-emergency symptoms.