Insurance and payment
Urgent Care Cost Without Insurance in Bolingbrook, IL
At Pioneer Physicians Urgent Care in Bolingbrook, IL, the urgent care cost without insurance is the visit plus any tests you need. Self-pay patients are welcome to walk in, no appointment needed. We’re open every day from 8 AM to 8 PM. We don’t post prices online, so call (630) 914-5373 for current self-pay pricing.
- 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
Can I go to urgent care without insurance?
Yes. Self-pay is available, and no appointment is needed. Walk-ins are welcome, or you can save your spot online first. We’re open every day from 8 AM to 8 PM, and after we close, the booking page shows next-day visits.
Self-pay urgent care works for adults and for children. Kids from infancy through the teen years can be seen for pediatric urgent care during the same hours. When you check in, tell the front desk you’re paying yourself.
How much does urgent care cost without insurance?
A self-pay bill covers the visit plus any tests the provider decides you need. We don’t publish urgent care prices on our website, so call (630) 914-5373 for current self-pay pricing before you come in.
Two people with the same complaint can leave with different bills, because the provider decides during the exam which tests, if any, will help. A sore throat may need an exam and a rapid strep test. A twisted ankle may need an X-ray. Pain when you urinate is often checked with a urinalysis.
You can ask what a test would add to your bill before it’s done. It’s a fair question, and asking helps you and the provider sort out what you need today and what can wait for your regular doctor.
How a self-pay visit works
- 1Call for pricing
Phone (630) 914-5373 and ask for current self-pay pricing for the visit and any tests you expect.
- 2Walk in or save a spot
Open 8 AM to 8 PM every day. Walk-ins are welcome, no appointment needed.
- 3Say you’re self-pay
Tell the front desk at check-in that you’re paying yourself.
- 4Ask before each test
Ask what an X-ray, rapid test, EKG or blood work adds before it’s done.
- 5Keep your receipt
Prescriptions are paid at the pharmacy. Keep receipts for HSA or FSA claims.
Tests that can add to a self-pay bill
Each test below is done or collected here and is added only if the provider decides you need it. If you leave with a splint or crutches, ask whether they’re part of the self-pay price.
- X-ray, available every day we’re open
- Rapid strep, flu and COVID tests
- Urinalysis (a urine test)
- EKG (electrocardiogram), which records the heart’s electrical activity
- Blood work, collected here and run by an outside lab
Blood work sent to an outside lab
Ask when you call how the outside lab’s work is billed and whether it’s part of our self-pay price. Our lab testing page lists which tests are finished during the visit.
Scans and prescriptions
CT and MRI scans aren’t available here. When a provider thinks you need one, it’s done at another facility, and that facility sets its own price.
A prescription you fill at a pharmacy is paid at the pharmacy, not to us. Ask the pharmacist for the cash price and whether a generic is available. The FDA says generic medicines work the same way as their brand-name versions and tend to cost less.
Paying for your own visit today?
Call (630) 914-5373 for current self-pay pricing, then walk in or save your spot online. We’re open every day, 8 AM to 8 PM.
Getting a price before your visit
The fastest way is a phone call. Call (630) 914-5373, say why you’re coming in, and ask about the visit and any test you expect to need.
Federal rules also give people who aren’t using insurance a right, in most cases, to a written estimate. Under the No Surprises Act, CMS says a provider usually must give a good faith estimate to anyone not using insurance who asks for one or who schedules care at least 3 business days ahead. The estimate should list expected charges item by item, on paper or by email.
Those rules fit planned care better than walk-ins. Care scheduled zero to two business days out doesn’t carry the right to an estimate, and one you request before scheduling can take up to 3 business days to arrive. If you book 3 or more business days ahead, ask for an estimate at booking and keep a copy, since CMS says you’ll need it to dispute a bill.
What to bring to a self-pay visit
Bring what helps the provider, plus a way to pay.
- A photo ID
- Names of the medicines and supplements you take, plus any allergies
- Recent test results or discharge papers about the same problem
- A way to pay (call ahead to ask which payment methods we take)
Using an HSA or FSA
If you have a health savings account (HSA) or flexible spending account (FSA), keep an itemized receipt, since your plan may ask for proof of the expense. IRS Publication 969 ties HSA spending to the medical care rules in Publication 502, and an FSA covers the expenses your plan lists.
If we don’t take your plan or you’re between plans
Self-pay is your fallback. We accept Aetna, Cigna, Medicare, Blue Cross Blue Shield of Illinois, UnitedHealthcare, Humana and Illinois Medicaid plans (HFS, Meridian, CountyCare, Molina and YouthCare). Call to confirm your specific plan, since one insurer can sell several plans with different networks. Our insurance page has more on each one.
If your plan is on that list, bring your card. Your share then follows your plan’s copay, deductible and coinsurance rules instead of self-pay pricing.
How to get coverage for future visits in Illinois
If you’re uninsured, Illinois offers two main routes to coverage: a marketplace plan or Illinois Medicaid. Get Covered Illinois is the state’s official marketplace, and it’s the only place to apply for tax credits that lower the cost of a plan. Open enrollment happens once a year, typically starting in the fall.
Losing coverage can open a special enrollment period. Get Covered Illinois says it can help you get a plan within 60 days of a qualifying event, such as losing job-based coverage, getting married, having a baby or moving.
Illinois Medicaid, sometimes called the medical card, is available year-round for people who qualify, and the program for children is called All Kids. The marketplace application checks for both, and likely Medicaid cases go to the Illinois Department of Healthcare and Family Services for a final decision. We accept Illinois Medicaid plans, so when your card arrives, call us to confirm yours.
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 a walk-in clinic near me that sees people with no insurance?
Yes. Pioneer Physicians Urgent Care at 148 S Bolingbrook Dr in Bolingbrook sees patients without insurance, and self-pay is available. We’re open every day from 8 AM to 8 PM, walk-ins are welcome, and you can also save your spot online. Romeoville is about 10 minutes away and downtown Naperville about 18. Call (630) 914-5373 for current self-pay pricing.
How much is an urgent care visit without insurance?
It depends on what the visit needs. You pay for the exam plus any test the provider orders, like an X-ray, a rapid test, urinalysis or an EKG. Blood samples are tested at an outside lab, so ask how that part is billed. Prices aren’t listed online. Call (630) 914-5373 for current self-pay pricing before you come in.
Do I need an appointment if I’m paying out of pocket?
No. Walk-ins are welcome whether or not you have insurance. Just tell the front desk you’re self-pay when you check in. We’re open every day from 8 AM to 8 PM, and you can also save your spot online before you leave home. After 8 PM, you can book a next-day visit online.
Can I get a good faith estimate for urgent care?
You can ask for one. In most cases, federal rules require providers to give patients who aren’t using insurance a good faith estimate on request, or when care is booked at least 3 business days ahead. For a same-day walk-in, a call to (630) 914-5373 for current self-pay pricing is quicker.
Can I pay for STD testing myself?
Yes. Self-pay is an option for STD testing, and your testing is kept confidential. Part of the testing can give results the same day, and the rest is sent to an outside lab, so ask when you call how that lab portion is billed. Which tests you need sets the cost. Call (630) 914-5373 for current self-pay pricing.
Do you see children without insurance?
Yes. Children from infancy through the teen years can be seen here, and self-pay is available for their visits. We don’t give routine childhood shots, so plan on your child’s own doctor or the Will County or DuPage County Health Department for those. Eligible Illinois children can get coverage through All Kids, part of Illinois Medicaid, any time of year.
Can I use an HSA or FSA to pay for urgent care?
An urgent care visit generally counts as a qualified medical expense. IRS Publication 502 includes payments to doctors, lab fees and X-rays for medical reasons, and HSA rules follow that definition. An FSA covers what your plan lists. Ask us which payment methods we take.
Sources for this page
- What is a good faith health insurance estimate?. Centers for Medicare & Medicaid Services (CMS).
- Emergency Medical Treatment & Labor Act (EMTALA). Centers for Medicare & Medicaid Services (CMS).
- Some Hospital Emergency Department Visits Could Be Handled by Alternative Care Settings (Weinick, Burns, Mehrotra; Health Affairs, 2010). RAND Corporation.
- When to use the emergency room, adult. MedlinePlus, U.S. National Library of Medicine.
- Life changes and special enrollment. Get Covered Illinois.
- Medicaid information. Get Covered Illinois.
- Generic Drug Facts. U.S. Food and Drug Administration.
- Publication 502, Medical and Dental Expenses. Internal Revenue Service.