Benefits of Urgent Care – FAQs

At Five Star Urgent Care, we provide our patients with quality, convenient medical care. We know that requiring medical attention can be stressful, so we provide our patients with a comfortable and informative experience to ease patients’ worries. Read our most asked questions below:

How much does an urgent care visit cost if I don’t have insurance?
For patients without insurance—or self-pay patients—the cost of a visit to Five Star Urgent Care starts at $110, which includes simple testing such as urine dips and strep tests.

For more complex visits, the cost for self-pay patients is $175. These are visits that require any of the following:
1) Stitches, nose bleeds, incision & drainage, and foreign body removal
2) X-rays
3) IV fluids or IV medications

The only additional charge a patient may incur is for tetanus (Tdap) immunization, which, if required, costs $65.

Full payment using either cash or a credit card is required at the time of service.

What is an urgent care facility fee, and does Five Star Urgent Care charge them?
No – Five Star Urgent Care never charges our patients a facility fee.

A facility fee is an additional bill patients may be charged for visiting an urgent or convenient care facility that is affiliated with a hospital. This is a bill that is issued to the patient in addition to the doctor’s bill for services provided. In short, you receive two bills for one visit. It is important to know that some hospital centers charge this fee, while others do not.

Unlike some urgent or convenient care centers, patients at Five Star Urgent Care only receive one bill – we never charge our patients with an additional facility fee, which can add hundreds of dollars to a visit if a patient has an un-met deductible.

Do I need an appointment to visit Five Star Urgent Care?
At Five Star Urgent Care you never need an appointment. We are open 7 days a week and holidays, except Christmas Day.
Does Five Star Urgent Care have short wait times for patients?
Patients of Five Star Urgent Care are typically seen within 15 minutes of registration, and are treated and on their way within one hour.
Can I get an x-ray at Five Star Urgent Care?
Yes – all of Five Star Urgent Care’s locations have state-of-the-art x-ray equipment on-site. After their visit, patients are welcome to review x-ray images with their primary care physicians. Our patients will never receive an additional charge from the Radiologist who reads the x-ray taken on premises. The charge is included with your Urgent Care claim to your insurance carrier, or included in your private fee. At infrequent times, a patient will be sent for an ultrasound or CAT scan which will be done off premises. This billing will be generated by that organization.
Do I need to bring anything with me when I visit Five Star Urgent Care?
When visiting Five Star Urgent Care, please bring your health insurance card and driver’s license. We will make a copy of this information for our files when you arrive. If you have secondary insurance, please bring it with you and we will submit it on your behalf If you are in your deductible provision of your insurance policy, you may be asked for a guarantee of future payment after insurance pays the invoice. This is done by obtaining your credit card information and permission to bill the balance due after your insurance pays. No financial hold is placed on the card. This provides a stream-lined process which helps Five Star Urgent care keep their costs affordable for all.
How do I know when I should go to an emergency room versus an urgent care or walk-in clinic?
Five Star Urgent Care is equipped to treat an array of non-life threatening medical needs, including sprains, fractures, burns, lacerations, rashes, bronchitis, and pneumonia. We have x-rays on-site to allow us to better evaluate your injury. We also have on-site, point-of-care lab testing. This allows us to perform a variety of tests, from a urinalysis for symptoms of a urinary tract infection (UTI) to a rapid strep test.

You should go to a hospital emergency room if you are experiencing a serious medical condition or symptom (including severe pain) caused by an injury or sickness, which arises suddenly and requires immediate care and treatment to avoid permanent disability or death. If you have a true emergency you should call 911. Signs of a true emergency include, but are not limited to:

  • Signs of a heart attack that last two minutes or longer, including chest pain
  • Signs of stroke, like sudden onset of numbness in any extremity
  • Severe shortness of breath
  • Heavy bleeding or bleeding that won’t stop after 10 minutes of direct pressure
  • Poisoning
  • Complicated fractures (i.e. bone through the skin)
  • Major injuries, such as head injury
  • Unexplained drowsiness or disorientation
  • Loss of consciousness
  • Loss of hearing
  • Coughing up or vomiting blood
  • High fever (104° or higher for a child; any fever for an infant less than 6 months old)
  • Suicidal or homicidal feelings
  • Seizures
Does Five Star Urgent Care accept Medicaid for patient visits?
Five Star Urgent Care does accept some Medicaid “Managed Care Options” but we do not accept Straight New York State Medicaid.

Managed Medicaid plans accepted by Five Star Urgent Care facilities include:

Big Flats – Medicaid Managed Care Options

GHI/Emblem Health
Health Now
MVP
United Health Care

Cicero – Medicaid Managed Care Options

GHI/Emblem Health
Health Now
MVP
United Health Care

Fairmount – Medicaid Managed Care Options

GHI/Emblem Health
Health Now
MVP
United Health Care

Ithaca – Medicaid Managed Care Options

GHI/Emblem Health
Health Now
MVP
United Health Care

Jamestown – Medicaid Managed Care Options

GHI/Emblem Health
Health Now Blue Cross
Independent Health
United Health Care
Univera

Does Five Star Urgent Care accept Medicare coverage?
As a participating member of Medicare, we accept all Medicare Advantage (replacement) plans. We are participating with the following carriers. If your carrier is not listed, the out of network benefit may require more patient financial responsibility. Please call your insurance carrier to determine your benefit if your carrier is not listed below.

Big Flats – Medicare Advantage Plan Participation

Aetna
Cigna
Empire
Evercare
Excellus (All Blue Cross Blue Shield plans)
GHI/Emblem Health
Secure Horizons
MVP
Today’s Options
United Health Care
Univera

Cicero – Medicare Advantage Plan Participation

Aetna
Cigna
Empire
Evercare
Excellus (All Blue Cross Blue Shield plans)
GHI/Emblem Health
Secure Horizons
MVP
Today’s Options
United Health Care
Univera

Fairmount – Medicare Advantage Plan Participation

Aetna
Cigna
Empire
Evercare
Excellus (All Blue Cross Blue Shield plans)
GHI/Emblem Health
Secure Horizons
MVP
Today’s Options
United Health Care
Univera

Ithaca – Medicare Advantage Plan Participation

Aetna
Cigna
Empire
Evercare
Excellus (All Blue Cross Blue Shield plans)
GHI/Emblem Health
Secure Horizons
MVP
Today’s Options
United Health Care
Univera

Jamestown – Medicare Advantage Plan Participation

AETNA
Empire
Evercare
GHI/Emblem Health
Blue Cross and Blue Shield WNY (except Health Now Senior Blue, Forever Blue PPO)
Independent Health Encompass 65
Secure Horizons
Today’s Options
United Health Care
Univera

What insurance providers are in-network with Five Star Urgent Care?
If your carrier is not listed below, we will still treat you! Your claim will be paid as an out-of-network provider and may require patient financial responsibility associated with the visit. Please call your insurance company member services (the phone number should be on the back of your insurance card) or refer to your policy benefit for out-of-network treatment.

Big Flats Participating Insurance Carriers

Aetna
Child Health Plus (except Excellus)
Cigna MVP
Elmco
Empire
Excellus and most BC/BS Plans (except FHP, CHP, Monroe Products)
Family Health Plus (except Excellus)
GHI HMO/Emblem PPO and CPB
Health Now
Magnacare including Health Republic
Medicare Part B
MVP
POMCO
RR Medicare Part B
RMSCO
United Health Care (excluding Oxford)
Univera excluding (FHP and CHP, Medicaid Products)

Cicero Participating Insurance Carriers

Aetna
Child Health Plus (except Excellus)
Cigna MVP
Elmco
Empire
Excellus and most BC/BS Plans (except FHP, CHP, Monroe Products)
Family Health Plus (except Excellus)
GHI HMO/Emblem PPO and CPB
Health Now
Magnacare including Health Republic
Medicare Part B
MVP
POMCO
RR Medicare Part B
RMSCO
United Health Care (excluding Oxford)
Univera excluding (FHP and CHP, Medicaid Products)

Fairmount Participating Insurance Carriers

Aetna
Child Health Plus (except Excellus)
Cigna MVP
Elmco
Empire
Excellus and most BC/BS Plans (except FHP, CHP, Monroe Products)
Family Health Plus (except Excellus)
GHI HMO/Emblem PPO and CPB
Health Now
Magnacare including Health Republic
Medicare Part B
MVP
POMCO
RR Medicare Part B
RMSCO
United Health Care (excluding Oxford)
Univera excluding (FHP and CHP, Medicaid Products)

Ithaca Participating Insurance Carriers

Aetna
Child Health Plus (except Excellus)
Cigna MVP
Elmco
Empire
Excellus and most BC/BS Plans (except FHP, CHP, Monroe Products)
Family Health Plus (except Excellus)
GHI HMO/Emblem PPO and CPB
Health Now
Magnacare including Health Republic
Medicare Part B
MVP
POMCO
RR Medicare Part B
RMSCO
United Health Care (excluding Oxford)
Univera excluding (FHP and CHP, Medicaid Products)

Jamestown Participating Insurance Carriers

Aetna
Blue Cross Blue Shield WNY and most BC/BS products
Coventry Health Care
Elmco
Emblem Health
Empire
GHI HMO/Emblem PPO and CPB
Health Now
Independent Health
Magnacare including Health Republic
Medicare Part B
Meritain Health
Nova
POMCO
RR Medicare Part B
RMSCO
United Health Care (excluding Oxford)
Univera including FHP and CHP

Will my doctor or primary care provider be notified of my urgent care visit?
The Health Insurance Portability and Accountability Act (HIPAA) Laws protect patients from disclosure of confidential clinical information. With your permission, Five Star Urgent Care will send a summary of your visit to your doctor(s).
Does Five Star offer pre-employment or sports physicals?
Yes – Five Star Urgent Care offers pre-employment and sports physicals.
Can I receive prescription refills for my chronic pain?
No – patients cannot get prescription refills for chronic medical pain from Five Star Urgent Care. Chronic pain management is a serious medical condition that must be followed carefully by the patient’s primary care provider and/or specialists.
How much does an ER visit cost if I have a high deductible plan?
Based on the 2009 Medical Expenditure Panel Survey, the national average cost for an ER visit was $1,318, and the median cost was $615. If you have a high deductible plan and have not met your deductible, you would be responsible for those ER costs until your deductible is met. ER visits that require x-rays or stitches are typically more than $600. Patients can receive up to three different bills when visiting an ER, including: 1) a bill from the hospital 2) a bill from the ER physician group that staffs the ER, and 3) a bill from the radiologist that reads your x-ray.

For non-emergent or non-life threatening injuries or illnesses, Five Star Urgent Care only charges patients one bill, and it is a fraction of what you would pay for the same services received at an ER.

If you are experiencing life-threatening symptoms, please call 911 or visit an ER.