We accept all major insurances.
And we never charge a facility fee.

 

What is a facility fee?


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When you are faced with the decision of visiting an urgent care clinic vs an emergency room, a number of factors may impact your decision. In addition to the cost for the services you receive, many emergency rooms and urgent care centers that are affiliated with hospitals charge patients an additional cost known as a facility fee. This fee can greatly increase the cost of your health care, as urgent care facility fees average at about $175.

While the fees aren’t mandatory, many hospital-owned urgent care centers chose to charge their patients with a facility fee despite never actually visiting a hospital. At Five Star Urgent Care, we will never charge you with a facility fee. That is one of the key differences between and our urgent care vs a hospital visit.

No health insurance? No problem.

At Five Star Urgent Care, we want you to focus on getting back to life faster and not worry about the cost associated with receiving the great health care you deserve. All of our urgent care locations treat patients with or without insurance. Rates are affordable for those without insurance. No appointments are necessary, and most patients are in and out in under an hour. 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 or refer to your policy benefit for out-of-network treatment.

Health insurances we accept

For a list of the insurances we accept, select a location below.

Non-participating insurance ? No worry

If your insurance is not listed, have no worry.  We will still treat you at Five Star Urgent Care.  For commercial carriers, you may have a higher out-of-pocket responsibility, so call your insurance carrier to discuss your benefit.  A deposit will be required based on estimated future patient responsibility amounts.

We can bill most out-of-network carriers but cannot bill to NYS Medicaid, Fidelis, and other Medicaid replacement products.  You have the option of waiving your billing rights and paying privately, or being seen by another provider who may accept your coverage. Learn more

Insurance Benefit

The patient is responsible to provide us with current insurance information and to bring the insurance card to each visit.  The patient is responsible for knowing their urgent care benefit.  It is the patient’s responsibility to ensure that any required referral or notification to their insurance company is made prior to the visit.  A complete Financial Policy is available at Five Star Urgent Care centers. 

Big Flats Participating Insurance Carriers


Aetna
CDPHP with Magnacare Direct Plus Logo
Child Health Plus (exceptFidelis)
Cigna with the MVP Logo
Empire United Health Care
Excellus and most BC/BS Plans
Family Health Plus
GHI HMO/Emblem Health PPO and CPB
Independent Health
Lifetime Benefits Solutions
Magnacare
Medicare Part B
MVP
POMCO
RR Medicare Part B
United Health Care
Univera
UPMC

Cicero Participating Insurance Carriers


Aetna
CDPHP with Magnacare Direct Plus Logo
Child Health Plus (exceptFidelis)
Cigna with the MVP Logo
Empire United Health Care
Excellus and most BC/BS Plans
Family Health Plus
GHI HMO/Emblem Health PPO and CPB
Independent Health
Lifetime Benefits Solutions
Magnacare
Medicare Part B
MVP
POMCO
RR Medicare Part B
United Health Care
Univera
UPMC

Fairmount Participating Insurance Carriers


Aetna
CDPHP with Magnacare Direct Plus Logo
Child Health Plus (exceptFidelis)
Cigna with the MVP Logo
Empire United Health Care
Excellus and most BC/BS Plans
Family Health Plus
GHI HMO/Emblem Health PPO and CPB
Independent Health
Lifetime Benefits Solutions
Magnacare
Medicare Part B
MVP
POMCO
RR Medicare Part B
United Health Care
Univera
UPMC

Fayetteville Participating Insurance Carriers


Aetna
CDPHP with Magnacare Direct Plus Logo
Child Health Plus (exceptFidelis)
Cigna with the MVP Logo
Empire United Health Care
Excellus and most BC/BS Plans
Family Health Plus
GHI HMO/Emblem Health PPO and CPB
Independent Health
Lifetime Benefits Solutions
Magnacare
Medicare Part B
MVP
POMCO
RR Medicare Part B
United Health Care
Univera
UPMC

Fayetteville Participating Insurance Carriers


Aetna
CDPHP with Magnacare Direct Plus Logo
Child Health Plus (exceptFidelis)
Cigna with the MVP Logo
Empire United Health Care
Excellus and most BC/BS Plans
Family Health Plus
GHI HMO/Emblem Health PPO and CPB
Independent Health
Lifetime Benefits Solutions
Magnacare
Medicare Part B
MVP
POMCO
RR Medicare Part B
United Health Care
Univera
UPMC

Geneva Participating Insurance Carriers


Aetna
CDPHP with Magnacare Direct Plus Logo
Child Health Plus (except Fidelis)
Cigna with the MVP Logo
CPB
Empire United Health Care
Excellus and most BC/BS Plans
Family Health Plus
GHI HMO/Emblem Health PPO
Magnacare
Medicare Part B
MVP
POMCO
RR Medicare Part B
United Health Care
UPMC

COMING SOON:  Emblem Health/GHI

Jamestown Participating Insurance Carriers


Aetna
Amerigroup
CDPHP with Magnacare Direct Plus Logo
Child Health Plus (exceptFidelis)
Cigna with the MVP Logo
Empire United Health Care
Blue Cross Blue Shield WNY and most BC/BS plans
Family Health Plus
GHI HMO/Emblem Health PPO and CPB
Independent Health
Lifetime Benefits Solutions
Magnacare
Medicare Part B
MVP
NOVA
POMCO
RR Medicare Part B
United Health Care
Univera
UPMC
YourCare Health Plan, Inc.

Liverpool Participating Insurance Carriers


Aetna
CDPHP with Magnacare Direct Plus Logo
Child Health Plus (exceptFidelis)
Cigna with the MVP Logo
Empire United Health Care
Excellus and most BC/BS Plans
Family Health Plus
GHI HMO/Emblem Health PPO and CPB
Independent Health
Lifetime Benefits Solutions
Magnacare
Medicare Part B
MVP
POMCO
RR Medicare Part B
United Health Care
Univera
UPMC

Oneonta Participating Insurance Carriers


Aetna
CDPHP with Magnacare Direct Plus Logo
Child Health Plus (except Fidelis)
Cigna with the MVP Logo
CPB
Empire United Health Care
Excellus and most BC/BS Plans
Family Health Plus
GHI HMO/Emblem Health PPO
Magnacare
Medicare Part B
MVP
POMCO
RR Medicare Part B
United Health Care
UPMC

COMING SOON:  Emblem Health/GHI

Plattsburgh Participating Insurance Carriers


Aetna
CDPHP with Magnacare Direct Plus Logo
Child Health Plus (except Fidelis)
Cigna with MVP logo
Empire United Health Care
Excellus
Family Health Plus
GHI HMO/Emblem Health PPO and CPB
Independent Health
Lifetime Benefits Solutions
Magnacare
Medicare Part B
MVP
Pomco
RR Medicare Part B
United Health Care
Univera
UPMC

Vestal Participating Insurance Carriers


Aetna
CDPHP with Magnacare Direct Plus Logo
Child Health Plus (exceptFidelis)
Cigna with the MVP Logo
Empire United Health Care
Excellus and most BC/BS Plans
Family Health Plus
GHI HMO/Emblem Health PPO and CPB
Independent Health
Lifetime Benefits Solutions
Magnacare
Medicare Part B
MVP
POMCO
RR Medicare Part B
United Health Care
Univera
UPMC