Walk-Ins Welcome
- No Appointment Needed
- Open Monday–Saturday: 7AM – 7PM
- Pre-Register Online
If you have searched “how much is urgent care without insurance,” you have probably noticed that almost nobody publishes an urgent care cash price. Most clinics say “it depends.” However, hospital-owned urgent cares often can’t tell you until the bill arrives, because they add a second charge, the facility fee, after you leave.
At Sanova Urgent Care, the urgent care cash price is $140 for a standard visit. We print it on our Costs & Insurance page, it is the same number for everyone who pays without insurance, and there is no facility fee. It is also lower than the published self-pay prices we found at other walk-in clinics in Pima and Pinal counties (October 2026).
This article explains where that number comes from, why hospital-affiliated clinics charge more for the same visit, and when paying cash makes more sense than using your insurance card.
Medically reviewed by Dr. Kiyan Rad, DO — Medical Director, Sanova Urgent Care, Tucson, AZ. Last updated September 22, 2026.
National price guides put a self-pay urgent care visit between $125 and $300 before any tests, with most patients paying around $180 (GoodRx). Solv’s 2026 guide lists $150 to $280 for the evaluation alone, with X-rays adding $100 to $250 and rapid tests adding $25 to $75. As a result, a visit with two or three add-ons often lands between $300 and $500.
Here is how Sanova’s published self-pay prices compare with those national ranges:
| Service | Typical U.S. self-pay range | Sanova cash price |
|---|---|---|
| Standard urgent care visit | $125–$300 | $140 |
| Rapid test (flu, strep, COVID) | $25–$75 each | $35–$50 |
| Digital X-ray (per study) | $100–$250 | $75 |
| Sports or school physical | $50–$150 | $45 |
| IV hydration | $150–$300 | from $90 |
The $140 covers the clinician evaluation, diagnosis, treatment plan, prescriptions, basic in-office care, and any work or school note. In addition, we quote anything billed separately, such as a rapid test, an on-site X-ray, stitches, or a splint, before we do it. The full list is on the Costs & Insurance page.
Hospital systems now own roughly half of community medical practices in the U.S. (CBS News, January 2026). When a hospital buys a clinic, it can bill the visit as if you were treated in the hospital, even though nothing about the building or the care changed. That extra charge is the facility fee, and the hospital bills it on top of the doctor’s fee.
Also, the numbers are not small. The Health Care Cost Institute found that a routine primary care visit averaged $217 in a hospital outpatient setting versus $116 in an independent office, an 87% markup, with about $101 of the difference being the facility fee. The same report found lab tests priced more than three times higher in hospital outpatient departments than in an independent office. An earlier national study found a basic metabolic panel at roughly three times the community price ($37 vs. $13) and imaging 50% or more higher.
Put simply: the same strep test, the same X-ray, and the same 15-minute exam can cost two to three times as much when the sign out front belongs to a hospital system. A 2026 PIRG report counts 21 states with some protection against these fees. Arizona is not one of them, so the fee is legal here, and clinics rarely disclose it in advance.
By contrast, Sanova Urgent Care is independent. There is no hospital system behind it, no facility fee, and no second bill.
Surprisingly, having insurance does not automatically mean using it is the cheaper option. Three situations come up every week at our front desk:
You have a high-deductible plan and haven’t met the deductible. Your insurer’s negotiated rate for an urgent care visit is often higher than our $140 cash price, and until the deductible is met, you pay that negotiated rate in full. Therefore, paying cash can cost less, though the visit will not count toward your deductible. Ask for both numbers at check-in and pick the lower one.
Your plan has an urgent care copay. In that case, a $30 to $75 copay is usually the better deal, and we accept most major plans, including Medicare, AHCCCS, Tricare, UnitedHealthcare, and Blue Cross Blue Shield of Arizona. The full list is on the Costs & Insurance page.
You have no insurance, or your plan is out of network. The cash price is your price. Also, under the federal No Surprises Act, uninsured and self-pay patients also have the right to a written Good Faith Estimate before care. We give you the number before treatment either way.
Urgent care visits, X-rays, and lab tests are qualified medical expenses under IRS Publication 502, so you can pay the cash price with a health savings or flexible spending card. For example, you will get an itemized receipt at checkout showing each service and its price, which is what most FSA administrators ask for when they audit a claim. Similarly, seasonal visitors with out-of-state or Canadian plans use the same receipt to file for reimbursement at home.
Our clinic is at 15883 N Oracle Rd, Suite 101, in Catalina, on the Pima County side of the county line. SaddleBrooke and SaddleBrooke Ranch, a few minutes north, are in Pinal County. For residents of Catalina, Oro Valley, Rancho Vistoso, Sun City Oro Valley, and SaddleBrooke, the nearest hospital-affiliated urgent cares and emergency departments are 15 to 30 minutes south, and, as covered above, the visit usually costs more when you get there. Our urgent care vs. ER guide explains which problems need the emergency room and which do not. For a full breakdown of visit costs with and without insurance, see our guide to affordable urgent care in North Tucson.
A 42-year-old with a cough and fever walks in without insurance. She is evaluated, gets a rapid flu test, and a chest X-ray to rule out pneumonia.
| Sanova cash price | Typical hospital-owned clinic | |
|---|---|---|
| Visit | $140 | $180–$250 plus facility fee |
| Rapid flu test | $35–$50 | $50–$75 |
| Chest X-ray | $75 | $150–$250 |
| Total | $250–$265 | $400–$700+ |
Hospital-clinic figures are national ranges from the sources above, not a quote from any specific Tucson clinic. Your actual total depends on what you need, and you will hear each price before we add it.
$140 for a standard visit. However, we price tests, X-rays, and procedures separately and quote them before we do them.
No. Sanova is independent. The price on the Costs & Insurance page is the whole price.
Yes. Just tell the front desk you want the self-pay rate. However, keep in mind the visit will not count toward your deductible.
Yes. It does not change based on income, insurance status, or time of day.
Yes. Ask at check-in or call (520) 232-2525 before you come.
No. Walk in Monday through Saturday, 7 AM to 7 PM, or pre-register online to skip the paperwork.
Sanova Urgent Care, 15883 N Oracle Rd, Suite 101, Tucson, AZ 85739. Open Monday–Saturday, 7 AM–7 PM. Call (520) 232-2525 or see every self-pay price on the Costs & Insurance page.
This article is for general information and is not a substitute for medical advice. Prices are current as of the date above and we publish them on sanovaurgentcare.com/costs-insurance/.
Dr. Kiyan Rad, DO, is a board-certified internal medicine and obesity medicine physician and Medical Director of Sanova Urgent Care in Catalina, AZ, serving Oro Valley, SaddleBrooke and north Tucson. He is an Assistant Clinical Professor of Medicine at the University of Arizona College of Medicine – Tucson, President of the Medical Executive Committee at Encompass Health Rehabilitation Hospital of Northwest Tucson, and former Chief of Medicine at Carondelet St. Joseph’s Hospital. He earned his DO from Michigan State University College of Osteopathic Medicine. On this blog, he shares practical guidance on urgent care, chronic disease, metabolic health and recovery after a hospital stay.
