Insurance & billing
We want paying for your visit to be straightforward. The summary below reflects how billing typically works at an urgent care clinic. Your specific benefits, deductibles, and financial responsibility depend on your plan. When in doubt, contact your insurer and our front desk before your visit.
Payment methods
How can I pay?
We accept common forms of payment including cash, checks, and major credit and debit cards. Health savings account (HSA) and flexible spending account (FSA) cards are generally accepted when issued by major card networks. Confirm with staff if you are unsure.
When is payment due?
Copayments, coinsurance, and self-pay balances are typically collected at the time of service. Any remaining balance after insurance processes your claim may be billed to you according to your explanation of benefits (EOB).
Insurance billing
Do you bill my insurance?
For participating plans, we submit claims to your insurance company as an out-of-network or in-network provider, depending on our contracts. Bring your current insurance card and a valid photo ID to every visit so we can file your claim accurately.
What if I do not have insurance or my plan is out of network?
Self-pay patients are responsible for the full cost of services at the time of the visit or according to our self-pay policy. Ask our staff for an estimate when you check in; pricing varies by the services you receive.
Is urgent care cheaper than the ER?
For many non-life-threatening conditions, urgent care is often more affordable than a hospital emergency department. Your actual cost still depends on your diagnosis, tests, and insurance benefits.
Copays, deductibles & coinsurance
Copays
If your plan requires a copayment for urgent care, we will collect it at check-in or check-out. Copay amounts are set by your insurer, not the clinic.
Deductibles & coinsurance
If you have not met your annual deductible, you may owe more at the time of service. After insurance processes the claim, you may receive a bill for coinsurance or remaining deductible amounts.
Patient responsibility
Understanding your bill
You will receive communications from both your insurer (EOB) and, if a balance remains, from our billing office or partner. The EOB is not a bill. It explains how your claim was processed. Pay close attention to dates of service and amounts labeled “patient responsibility.”
Questions about a charge?
If something on your statement looks incorrect, contact us promptly at (408) 384-9719 or losgatosurgentcare@gmail.com. We will help you understand the charge or direct you to the right billing contact when a third party processes claims on our behalf.
Policies for minors
Consent & guardianship
Patients under 18 must be accompanied by a parent or legal guardian, or present appropriate documentation authorizing another adult to consent to treatment. Our staff can explain required forms at check-in.
Billing for minors
The guarantor on the account (usually the parent or guardian) is financially responsible for balances related to the minor’s visit, subject to insurance coverage and plan rules.
Outstanding balances
Past-due accounts
Unpaid balances after insurance may be subject to additional statements and follow-up from our office or a designated billing partner. We encourage you to contact us before an account becomes seriously past due so we can discuss payment options that may be available.
Collections
Accounts that remain unpaid after reasonable efforts to contact you may be referred to a collection agency in accordance with applicable law and our financial policies. You can often avoid that outcome by communicating early if you are having difficulty paying a bill.
This page is provided for general information and does not replace your plan documents or a discussion with our staff. Los Gatos Urgent Care is committed to transparent billing practices. Reach out any time you need clarification.
Questions before you arrive?
Our team can help you understand what to bring and what to expect. Mon–Fri, 9:00 a.m.–4:00 p.m.