Insurance and payment
Medicare Urgent Care in Bolingbrook, IL
Pioneer Physicians Urgent Care in Bolingbrook, IL, takes Medicare, so bring your card and walk in for Medicare urgent care any day of the week. We’re open 8 AM to 8 PM, weekends included, and no appointment is needed. If you get Medicare through a Medicare Advantage plan from a private insurer, call (630) 914-5373 first to confirm we take your specific plan.
- Open 7 days, 8 AM to 8 PM
- Walk-ins welcome
- X-ray and rapid tests on site
- Kids and adults
- Medicare and Medicaid plans accepted
Do you accept Medicare at the Bolingbrook clinic?
Yes, we accept Medicare. Original Medicare, the federal program made up of Part A and Part B, is the simplest case: you show your Medicare card at check-in and the visit is billed to Medicare.
Medicare Advantage plans work differently. Private insurance companies sell them, each plan has its own network, and you show the plan’s card instead of your Medicare card. Some insurers on our list, such as Aetna, Humana and UnitedHealthcare, also sell Medicare Advantage plans. That does not mean every one of their Medicare plans includes our clinic, so call to confirm your specific plan. The full list of payers we take is on our insurance page.
How Medicare urgent care coverage works
Medicare Part B covers urgently needed care, which Medicare describes as treatment for a sudden illness or injury that is not a medical emergency. A urinary infection, a cough that keeps getting worse or a sprained ankle would usually fit.
With Original Medicare, you first meet the yearly Part B deductible, which is $283 in 2026. After that, you usually owe 20% of the Medicare-approved amount on each covered service, and Medicare pays the rest. These figures come from Medicare’s 2026 cost page.
That 20% assumes the provider accepts assignment, which means taking the Medicare-approved amount as full payment. Original Medicare has no yearly cap on your out-of-pocket costs, so some people buy a Medicare Supplement (Medigap) policy, or use Medicaid if they have it, to help pay the 20%. To ask how your visit will be billed, call us first.
Original Medicare or Medicare Advantage at urgent care
| Topic | Original Medicare | Medicare Advantage |
|---|---|---|
| Who runs it | The federal Medicare program | A private insurance company |
| Card to show at check-in | Your Medicare card, plus any Medigap card | Your plan’s card, not your Medicare card |
| Where you can go | Any provider that takes Medicare, anywhere in the U.S. | Usually the plan’s network; HMOs make an exception for out-of-area urgent care |
| Referral to see a specialist | Not needed in most cases | May be needed, depending on the plan |
| Your share of the visit | Usually 20% after the $283 Part B deductible (2026) | Set by your plan |
| Yearly out-of-pocket limit | None, unless you have Medigap or other coverage | Yes, each plan sets one |
| Before you walk in | Bring your card | Call to confirm your specific plan is in network |
Tests we can do during a Medicare visit
We can do or collect these tests during your visit. Original Medicare covers an X-ray or EKG when your provider orders it to find or treat a medical problem, and you pay the usual 20% after the deductible. Covered clinical lab tests cost you nothing.
- X-rays on site whenever we’re open, and splints or crutches if an injury calls for them. See how X-ray works at our clinic.
- An EKG, done during your visit.
- Rapid strep, flu and COVID tests and urinalysis, done during the visit.
- Blood draws, sent to an outside lab for results.
What we do not have
CT scans and MRIs are not available here. For those, you would go to a hospital or a separate imaging center.
Bring your Medicare card and walk in
Walk in any day we’re open or book a spot online first, and if a Medicare Advantage plan covers you, a quick call confirms whether we take your specific plan.
Medicare Advantage plans and urgent care networks
A Medicare Advantage plan must cover every medically necessary service Original Medicare covers, but it sets its own costs, network and approval rules. What you pay for urgent care is set by your plan, not by the 20% rule above.
HMO plans generally keep you inside their network. Medicare’s HMO page lists the main exceptions as emergency care and urgent care you get while away from the plan’s service area. For HMO members who live near Bolingbrook, the plan may expect urgent care close to home to come from an in-network clinic, so check first. Most HMOs also ask you to choose a primary care doctor.
A PPO plan will still pay toward covered care from out-of-network providers, though your share is usually higher. Some plans also need prior approval for certain services. Before you walk in, phone the plan using the number on your member card, or call us, and ask whether our clinic is in your plan’s network.
Annual physicals and Medicare wellness visits
Original Medicare does not cover routine physical exams. It covers a yearly Wellness visit, which Medicare describes as a conversation with your provider to build a prevention plan. It is not a routine physical. Your first yearly Wellness visit can’t happen within 12 months of starting Part B; during that first year you can get a one-time Welcome to Medicare preventive visit instead.
We offer annual physicals and primary care. Because Original Medicare does not pay for a routine physical, check your plan’s benefits first and call us to ask how the visit will be billed. Some Medicare Advantage plans add benefits that Original Medicare does not have.
What to bring to your visit
Bring these to check-in. Walk-ins are fine, or you can reserve a spot online before you leave home.
- Your Medicare card, or your plan card if you have a Medicare Advantage plan
- Your Medigap, Medicaid, retiree or other supplemental card, if you have one
- A photo ID
- A list of your medicines and doses, including ones you buy without a prescription
- The name and phone number of your regular doctor
If Medicare may not cover a service
Medicare warns that a provider may recommend services Medicare does not cover, or more often than Medicare covers them, which can add to your costs. Some services we offer, such as IV hydration therapy, peptide therapy and medical weight loss, may not be covered by Original Medicare or your plan. Ask before the visit, not after.
For a service your coverage will not pay for, you can pay for it yourself. A self-pay bill is the visit plus any tests your care requires. Call us for current pricing, or read about paying without insurance.
For help comparing Medicare options, the Illinois Department on Aging runs the Senior Health Insurance Program (SHIP), a free statewide counseling service for people with Medicare and their caregivers. Call 1-800-252-8966. You can also call 1-800-MEDICARE (1-800-633-4227).
The Pioneer walk-in visit
How a visit works
- Step 1Walk in or save your spot
No appointment needed. You can also save your spot online before you leave home.
- Step 2Check in
Bring a photo ID, your insurance card and a list of the medicines you take.
- Step 3See a provider
Get examined, with X-ray and rapid tests on site when you need them.
- Step 4Leave with a plan
You go home with a care plan and clear next steps.
Why families in Bolingbrook choose Pioneer
Walk-in care that fits real life
Open 7 days a week
8 AM to 8 PM, weekends included, so a Saturday sore throat does not have to wait until Monday.
X-ray and tests on site
X-ray every day we are open, plus rapid strep, flu and COVID tests, urinalysis and EKG.
Care for kids and adults
From infants through the teen years, and adults of every age, in one clinic.
Insurance and self-pay
Aetna, BCBS of Illinois, Cigna, Humana, Medicare, Illinois Medicaid plans and UnitedHealthcare. Call to confirm your plan.
Questions and answers
Questions we hear often
Still not sure? Call (630) 914-5373 and we will help you decide.
Is there an urgent care near me that takes Medicare?
Yes, if you live or work near Bolingbrook. We take Medicare at 148 S Bolingbrook Dr, we’re open daily from 8 AM to 8 PM, and walk-ins are welcome. It’s roughly a 10-minute drive from Romeoville, 11 minutes from Woodridge and 18 from downtown Naperville. With a Medicare Advantage plan, call first to confirm your specific plan.
Is urgent care covered by Medicare?
Yes. Part B covers urgently needed care when a sudden illness or injury isn’t a medical emergency. With Original Medicare, you pay the yearly Part B deductible ($283 in 2026), then usually 20% of the Medicare-approved amount. Medicare Advantage plans set their own urgent care costs, so check your plan documents or call us.
Do you take Medicare Advantage plans?
It depends on the plan. Several insurers we work with sell Medicare Advantage plans, but each plan has its own network, and an HMO may cover urgent care near home only at in-network clinics. Have your plan card in hand and call us at (630) 914-5373, or call the plan’s member services line on the card, to confirm your specific plan.
Do I need a referral to use urgent care with Medicare?
Not with Original Medicare. It lets you use any doctor or clinic that takes Medicare, and in most cases it does not require referrals. Medicare Advantage plans can be different. Many HMOs ask you to choose a primary care doctor and stay in the plan’s network, so check your plan’s rules before you walk in.
Does Medicare pay for a yearly physical?
Original Medicare does not cover routine physical exams. It covers a yearly Wellness visit, which is a planning conversation about prevention and screenings rather than a physical exam, and you pay nothing for it if the provider accepts assignment. Some Medicare Advantage plans add extra benefits, so check your plan and call us to ask how an annual physical here would be billed.
Does Medicare cover a flu shot?
Yes. Medicare Part B covers the seasonal flu shot, usually once each flu season, and you pay nothing if the provider accepts assignment for giving the vaccine. We give flu shots, so you can ask for one at your visit. Call us first to check current availability and how the shot will be billed.
Sources for this page
- Urgently needed care. Medicare.gov, Centers for Medicare & Medicaid Services.
- Costs (2026 Part A and Part B costs). Medicare.gov, Centers for Medicare & Medicaid Services.
- Compare Original Medicare & Medicare Advantage. Medicare.gov, Centers for Medicare & Medicaid Services.
- Health Maintenance Organizations (HMOs). Medicare.gov, Centers for Medicare & Medicaid Services.
- Emergency department services. Medicare.gov, Centers for Medicare & Medicaid Services.
- Yearly “Wellness” visits. Medicare.gov, Centers for Medicare & Medicaid Services.
- Flu vaccines. Medicare.gov, Centers for Medicare & Medicaid Services.
- When to use the emergency room (adult). MedlinePlus, U.S. National Library of Medicine.