PATIENT INFORMATION

Affordable Urgent Care Prices & Insurance in Oro Valley & Catalina

You should know what a visit costs, and how your insurance applies, before you walk in. Sanova Urgent Care publishes flat self-pay pricing — a standard visit is $140 — and accepts most major insurance plans, including Medicare, AHCCCS, and Tricare. No hidden fees. Self-pay prices are the full price; insured visits are billed to your plan, and your copay, deductible and coinsurance apply. The same posted prices apply whether you are coming from Oro Valley, Catalina, SaddleBrooke or Rancho Vistoso.

$140 Flat Self-Pay Visit Most Major Insurance Accepted Prices Published Upfront Mon–Sat, 7 AM–7 PM
Patient checking in at the front desk of Sanova Urgent Care, discussing self-pay pricing and insurance in Catalina, Arizona

Insurance We Accept

We accept most major health insurance plans in Arizona:

Medicare (and all Medicare Advantage plans) Medicaid / AHCCCS Tricare Humana Triwest UnitedHealthcare Optum Blue Cross Blue Shield of Arizona Aetna Cigna Arizona Complete Health Banner Health Net Ambetter Mercy Care …and more

Don't see yours? Call (520) 232-2525. We likely accept it, and we'll check while you're on the phone rather than making you guess.

Medicare Patients

We accept Medicare, and for most Medicare patients an urgent care visit is covered as an outpatient service with your usual cost-sharing applying. Bring your Medicare card and any supplemental or Advantage plan card.

This matters for our neighborhoods specifically. SaddleBrooke, Sun City Oro Valley, and much of Catalina skew older, and the difference between a walk-in visit here and an emergency room trip is significant — in cost, in wait time, and in how the day goes. We're minutes away rather than a drive down into the valley.

AHCCCS & Medicaid

We accept AHCCCS. Bring your card. If you're unsure whether your specific AHCCCS plan is contracted with us, call ahead and we'll verify it in a couple of minutes.

Tricare & Military Families

We accept Tricare. Bring your military ID and Tricare card. Referral and authorization requirements vary by Tricare plan type — call ahead if you're unsure how your plan handles urgent care.

HSA and FSA Cards Accepted

We accept Health Savings Account (HSA) and Flexible Spending Account (FSA) cards. Urgent care visits, testing, and most treatment are generally eligible expenses. We provide an itemized receipt for your records or for reimbursement.

How Billing Works, Start to Finish

1 At check-in, we collect your insurance card and ID, or confirm you're self-pay.
2 Before treatment, you'll know what you're paying — your copay, or your self-pay total.
3 If additional testing or a procedure is recommended, we tell you what it adds before doing it.
4 You pay at the visit. We accept cash, credit and debit cards, and HSA/FSA cards.
5 If you're using insurance, we bill your plan directly. Anything your plan doesn't cover comes to you afterward as a statement — and that amount is determined by your plan's benefits, not by us.
6 Questions about a bill? Call (520) 232-2525 and ask for billing. A person will walk through it with you.

We take cash, credit and debit cards, and HSA/FSA cards — you pay at the visit. Sanova is an independent clinic, so there is no hospital “facility fee” added on top of your bill.

Your Right to a Good Faith Estimate

Under the federal No Surprises Act, patients who are uninsured or paying out of pocket have the right to a written estimate of what their care will cost. If you'd like one, ask at check-in and we'll provide it.

If a final bill comes in substantially higher than the estimate you were given, you have the right to dispute it through the federal patient-provider dispute resolution process.

We built our pricing to make this mostly unnecessary — the number on this page is the number — but the right exists and you should know about it.

Have a High Deductible? Self-Pay May Cost You Less

If you have a high-deductible plan and haven't met your deductible yet, running a visit through insurance often means paying the full negotiated rate anyway — which can be more than our flat self-pay price.

You're welcome to ask us to quote it both ways before you're seen. We'll tell you the self-pay total, and you can decide. Some patients choose self-pay for simplicity and a known number; others prefer to run it through insurance so the visit counts toward their deductible. Both are legitimate, and it depends on your plan and where you are in the year.

What we won't do is decide that for you quietly. Ask at check-in and we'll lay out both options. We're not able to advise you on your specific plan's terms — check your plan documents or call your insurer for coverage details. What we can tell you is exactly what a visit costs here.

Self-Pay Pricing Published, Flat, No Surprises

For patients without insurance, with a high deductible, or who simply prefer to pay directly. These are our prices. You'll know the total before treatment begins.

ServicePrice
Standard urgent care visit (illness or injury evaluation & treatment)$140
Sports or school physical (certified medical evaluation)$45
Rapid test add-on (flu, strep, or COVID-19)$35–$50
Digital X-ray (per study)$75
IV hydration (starting at — see full menu)$90

Prices shown are for self-pay patients. Most insurance copays are lower. Additional testing or procedures are priced separately and always discussed with you before they're done.

Worried about affording the visit? Call (520) 232-2525 before you decide not to come in — we’d rather talk through options than have someone skip care they need. Work and school notes are included at no extra charge. School and sports physicals are a flat $45.

What the $140 Covers and What Costs Extra

Transparency means saying both parts out loud.

✅ Included in the Standard $140 Visit

Evaluation and examination by a licensed clinician
Diagnosis and a treatment plan
Prescriptions sent electronically to your pharmacy
Basic in-office treatment and wound care
Written home-care instructions
A work, school, or daycare note if you need one

💵 Priced Separately, Always Discussed First

Rapid testing (flu, strep, COVID) — $35–$50
Digital X-ray — $75 per study
Laboratory testing
Procedures such as stitches, splinting, or drainage
IV hydration
Any medication administered in the office

💬 Nothing gets added without telling you what it costs first. If a test or procedure would change your bill, we say so before we do it — that's what "no-surprise billing" actually means.

What the Same Visit Costs Somewhere Else

For the everyday problems urgent care handles — a fever, a sore throat, a sprained ankle, a cut that needs stitches — where you go is the single biggest factor in what you pay.

Where You GoTypical CostTypical Wait
Sanova Urgent Care$140 flat for a standard visitNo appointment needed
Hospital Emergency RoomCommonly $1,500–$3,000; one analysis of 2.5 billion claims put the 2024 average near $2,715Often 2–6 hours
Freestanding Emergency RoomBills at ER rates, despite looking like an urgent careVaries

Emergency rooms exist for emergencies, and when you need one, cost shouldn't be the deciding factor. But for the things we treat, the difference is real money.

Visiting Tucson for the Season?

Winter visitors make up a meaningful share of the Oracle Road corridor from October through April, and "what happens if I get sick here" is a reasonable thing to wonder about.

Most out-of-state plans are accepted — bring your card and we'll verify coverage before you're seen.
Canadian and international visitors: self-pay at published rates, with an itemized receipt formatted for submission to your travel insurance or provincial plan.
No local doctor? You don't need one. Walk in without an appointment.
We can forward your visit records to your physician at home so nothing falls through the cracks when you head back.

💬 If you're renting for the season in SaddleBrooke, Sun City Oro Valley, or Catalina we're the closest walk-in clinic to most of those addresses.

New Patient Forms

Skip the Clipboard: Online Check-In

Complete your intake forms online before you arrive and spend your wait being seen instead of writing. Secure and HIPAA-compliant.

Secure & HIPAA-compliant

Your health information is protected and private.

What to Bring

✓ Photo ID
✓ Insurance card plus any secondary, supplemental, or Medicare Advantage card
✓ HSA/FSA card if you're using one
✓ A list of your current medications and doses
✓ Known drug allergies
✓ Your primary care physician's name, so we can send the visit note
✓ For a physical: the school, league, or employer form

Where We Are

Sanova Urgent Care is at 15883 N Oracle Rd, Suite 101, Tucson, AZ 85739, on North Oracle Road in Catalina, with free parking directly outside the suite.

We serve Catalina, Oro Valley, Rancho Vistoso, SaddleBrooke, Sun City Oro Valley, northwest Tucson, Marana, Oracle, San Manuel, and Mammoth. For most of the 85739, 85737, 85755, 85742, and 85704 ZIP codes, we're considerably closer than any hospital emergency department — which matters both for time and for what the visit costs.

Ready to Visit?

Frequently Asked Questions

Everything you need to know before your visit. Can’t find your answer? Call us at (520) 232-2525.

Do you take Medicare?
Yes, including all Medicare Advantage plans. Bring your Medicare card plus any supplemental or Advantage card.
Yes. Bring your card, and call ahead if you want us to verify your specific plan first.
Yes. Self-pay patients are welcome, prices are published on this page, and you’ll know your total before treatment starts.
Yes, and we provide an itemized receipt for your records or for reimbursement.
It depends on your plan and how much of your deductible you’ve met. Ask us at check-in and we’ll quote you both ways so you can decide. We can’t advise on your specific plan’s terms check with your insurer for that but we can tell you exactly what the visit costs here.
Not from us on the self-pay side the price on this page is the price. If you use insurance, we bill your plan, and any remaining balance is determined by your plan’s benefits. We’ll tell you the cost of any added testing or procedure before it happens.
Yes. Under the No Surprises Act, uninsured and self-pay patients have the right to a written good faith estimate. Ask at check-in.
Payment is collected at the visit. If you’re using insurance, we bill your plan and any remaining balance comes to you afterward.
Most out-of-state plans are accepted. Bring your card and we’ll verify before you’re seen. If it doesn’t work, self-pay pricing applies and you’ll know the number upfront.

If our provider evaluates you and sends you straight to the emergency room, there is no charge for the visit. If we treated you first and then decided you needed the ER, you are billed only for what was actually done, and we tell you the amount before you leave. Because Sanova is not owned by a hospital, that decision is about your condition, not a referral pattern.