Urgent medical expenses are incredibly costly. They're one of the biggest financial expenses you may ever have to pay as a resident of the United States of America. You probably haven't considered just how expensive they are until you're in the thick of it. 

So, we're going to ensure you're a few steps ahead of the pricey curve. This article is dedicated to explaining the average costs of urgent medical expenses, paying them with and without insurance, and how you can gain extra help to cover these costly bills with a payday loan from us at Fast Payday Loans, Inc.

Average Costs Of Urgent Medical Expenses

Here are the average costs of urgent care visits, based on a selection of facilities across the country by service and treatment average cost: 

• Chest X-ray = $88.75
• EKG = $108.67
• IV fluid = $79.80
• Minor burn = $122
• MMR (measles, mumps, rubella) = $112
• Nebulizer machine = $98
• Pink eye and styes = $142
• Sinus infections and congestion = $142
• Sprains, strains, and joint pain = $174.50
• Stitches = $149.50
• Sore or strep throat = $75
• Tdap (tetanus, diphtheria, pertussis) = $81.29
• X-ray = $132.80

Urgent Medical Expenses With Insurance

Always check which urgent care facilities work with your health insurer before accessing the services. Otherwise, your policy won't cover your treatments. There are a few costs you might pay when visiting an urgent care facility:

Deductible

Health insurance deductible is the amount you have to pay out of pocket for health care before your insurer kicks in. Most policies come with annual deductibles of at least $1,500 for one person or $3,000 for family plans. Once you reach the deductible, your insurance company pays a fraction of your costs.

Copay

This is the fee you pay on your visit. The amount should be listed in your insurance paperwork, so you know how much you'll owe before visiting. Copays for urgent care facilities are usually lower than those associated with emergency rooms. 

Coinsurance

Once you've reached your policy's deductible, your health insurer usually requires you to pay for a percentage of your treatment up to a maximum level, known as your coinsurance. You may be responsible for 20% every year, for example.

Urgent Medical Expenses Without Insurance

If you don't have health insurance, your urgent medical expenses with significantly increase. For instance, cutting your finger and requiring stitches will set you back $150 on average at an urgent care center.

Without insurance, you'll need to pay the entire fee. Thankfully, most urgent care facilities offer discounts for those who don't have insurance.

You can usually negotiate a standard fee or even work out a payment plan. You should rest on this fact — negotiations are difficult. Luckily, you do have other options if you can't afford fees. 

 

Where Can You Find A Payday Loan To Help Pay For Urgent Medical Expenses?

Right here at Fast Payday Loans, Inc.! As our name suggests, we offer super-fast payday loans to those who need them most — and if you're dealing with urgent medical expenses, that means you. 

You can borrow between $100 and $1,000 with a payday loan from us. All you need is a government-issued identification (i.e., driver's license or passport), the most recent pay stub, and a blank check from your active checking account.

You don't even need a decent credit score! We regard other factors higher than credit ratings, allowing you to qualify with a bad score. To get a payday loan from us to cover emergency medical expenses, follow the steps below:

1. Complete the online form on this website. 
2. Wait for us to call you. We'll talk about the requirements, set up a meeting location, and discuss the process. You don't need to come to the store, you can complete the entire process over the phone if you wish. 
3. Wherever you decide to conduct the process, make sure you have your driver's license, most recent pay stub, and a blank check from your active checking account to hand. We'll examine them to decipher whether you qualify for the loan. 
4. If you do qualify and are satisfied with the amount we offer, complete the process by filling in a couple of forms. This won't take long; we just need your signature to ensure you agree to all the terms and conditions.
5. Finally, we'll process the paperwork and your money will hit your account on the same or the next business day.

 

Fund Emergency Medical Expenses With Fast Payday Loans, Inc. Now!

Whether you have insurance or not, urgent medical expenses are costly. But you can get a payday loan to cover up to $1,000 of the cost. Just complete the online inquiry form and we'll be in touch to help you through it.

Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.