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.


Five Star Accepted Insurance Plans


At Five Star Urgent Care, we want you to focus on getting back to life faster and strive to provide you with best clinical care, including coordinating with your insurance carrier for payments. 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. While we accept most major insurance plans, please note that the patient or their guarantor is fiscally responsible for all bills. Below is a list of insurance carriers with whom we participate at all Five Star Urgent Care locations:

  • Aetna, Meritain Health
  • CDPHP with Magnacare Direct Plus Logo
  • Cigna (with MVP Logo)
  • Empire United Health Care
  • Excellus/Lifetime Benefits Solutions, BCBS of Western NY, BCBS of Northeastern NY   
  • Fidelis
  • GHI/Emblem Health
  • Independent Health/Nova
  • Magnacare (aka Brighton Health Plan Solutions)
  • Medicaid (NYS)
  • Medicare Part B
  • MVP
  • RR Medicare Part B
  • UMR- Previously POMCO
  • United Health Care
  • Univera
  • UPMC
  • Your Care

If your carrier is not listed above, your claim may still be paid as an out-of-network service and may require additional patient financial responsibility associated with the visit. Please call your carrier’s member services (the phone number should be on the back of your insurance card) or refer to your policy benefit to determine your out-of-network treatment options and your financial responsibility.