Does Medicare part A and B cover urgent care office visits?

Question

Gary Church · Accepted Answer

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Mike Alexander · Answer

Yes Urgent c a re is covered by medicare and all insurers who write medicare plans as well as all part c plans.

Voss Speros · Answer

Voss Speros here, Greek god of Medicare. If it's all Greek to you, Medicare's all Greek to you. You're in luck, I'm Greek.

Hey, the question today is, does Medicare Part A and B cover urgent care? I'm gonna say yes on that one. So it does cover urgent care. There is a cost for that. If you're on a supplemental plan, then there's no cost. Pay your monthly premium and you're covered. You go into the urgent care and then you're done. It's the same as the emergency room.

But on the Advantage plan, there's a co-payment. So there's a co-payment for the time of service on the Advantage plans. Usually, the urgent care cost is less than the emergency room costs. It's anywhere from $50 to $100, depending on the plan. But yes, urgent care is covered. If you're on a Medicare Advantage plan, go to the urgent care, boom, you got it.

It's like a doctor's visit in the sense that if you get transferred, if you go to an urgent care just tied to a hospital and they transfer you over and you have to stay, then they're all kind of flowing into the staying of the hospital. Depending on the plan, depending on the carrier, depending on the company, the provider.

But yes, urgent care is covered, and it's covered. Emergency care is covered nationwide for most plans. So if you have a plan and you're in another state and you need to go to urgent care, boom, go. Or, you know, emergency room, boom, you're covered in any state with emergency care and out of the country.

You have some plans that cover out-of-the-country emergency care. So just so you know, if you have Medicare and you need to go to a doctor or go to an urgent care, boom, you’re set.

I hope that answers your question. If you need help, we'll send out an agent and we'll help get you straightened out. Have a good day!

Bill Wheeler · Answer

Yes, Original Medicare (Part B) covers urgent care visits for unexpected, non-life-threatening illnesses or injuries. Once you meet the annual deductible, you are generally responsible for a coinsurance of the Medicare-approved amount. Part A is typically for hospital stays, not outpatient urgent care services.

Answered by Bill Wheeler on March 16, 2026

Broker Licensed in KY & IN

Answered by Bill Wheeler Medicare Insurance Agent

Daniel Maisel · Answer

Hi, this is Daniel Maisel, Dan the Medicare man, primarily serving Southern California. But at any rate, the answer to the question is Medicare Part A and B cover urgent care office visits. Well, the bottom line is yes, it does. With Medicare A and B, Medicare covers hospitalization. Basically, anything to do with the hospital does not cover the doctors themselves. That's covered by your B portion. So urgent care centers would be covered under B, so it has various different methods.

It's important for you to know exactly what it covers. Many people make their decisions based on being healthy. They're still usually pretty healthy at age 65 or nearing that. But what's more important is you need to talk to whoever your agent is, your broker. What doctors do you like to use? What hospitals do you like to use? Any prescriptions you take? Medicare doesn't cover prescriptions, but it doesn't cover dental, doesn't cover vision, and doesn't cover hearing. There's a lot of things they have, but on the same token, there's huge deductibles that are involved.

For example, if you go into a hospital, you may have as much as $1,800 deductible each time you enter. So, to get more information, contact me or contact your agent, and we'll be glad to explain at least what you need to know about Medicare 101. How does it work? Hope that helped. Have a good day!

Doreen Dann RN, BSN, MHA · Answer

Yes. Part A covers hospitalization services and Part B covers outpatient services as long as the services are Medicare approved. The “Medicare & You 2026” publication published annually is a good resource for you.

Answered by Doreen Dann RN, BSN, MHA on May 5, 2026

Agent Licensed in CA, AZ, CO & 9 other states

Answered by Doreen Dann RN, BSN, MHA Medicare Insurance Agent

Kim Cotten · Answer

Medicare Part B (Medical Insurance) does cover outpatient urgent-care visits — that includes doctor’s office visits for sudden illness or non-emergency injury, lab tests, X-rays, minor procedures, etc. Medicare Part A (Hospital Insurance) generally does not cover urgent-care center visits, because Part A covers inpatient/hospital-related care, not outpatient/clinic-type visits.

Answered by Kim Cotten on December 9, 2025

Broker Licensed in FL, AL, CA & 12 other states

Answered by Kim Cotten Medicare Insurance Agent

Michael Roberts · Answer

Medicare Part B covers urgent care services.  You’ll typically have a 20% coinsurance after you’ve met your deductible.

Bill Brann · Answer

Medicare Part B is actually what covers your urgent care visits because they fall under outpatient care. Usually, once you've met your Part B deductible for the year, Medicare covers 80% of the cost, and you'll be responsible for the remaining 20% coinsurance.

Medicare Part A doesn't really come into play here since it’s for hospital stays, unless the urgent care visit results in you being admitted to the hospital. To keep your costs as predictable as possible, just make sure the clinic you're visiting accepts Medicare assignment.

Robert Loyd · Answer

Yes, Original Medicare will cover urgent care visits under your Part B of Medicare. Part A would be for all hospital visits.

Jennifer Kalbach · Answer

Part B covers 80% of eligible Medicare covered costs then the insured is responsible for the 20% remaining and the Part B deductible which would be paid prior to the 80% covered costs.

Mel Stevens · Answer

Medicare part B covers Urgent Care Visits. However just having Part B subjects you to an 80-20% split. For example, if the urgent care visit cost is $200 then Original Medicare will cover $160 and you would be on the hook for $40 dollars.

Answered by Mel Stevens on January 5, 2026

Broker Licensed in AZ

Answered by Mel Stevens Medicare Insurance Agent

Kevin Chaikin · Answer

Medicare Part B covers urgent care. That is "outpatient" and outpatient services are covered by Part B. If you have a Medicare Advantage plan (Part C) urgent care will be covered by the plan as part of the Part B services that the plan is required to offer.

Answered by Kevin Chaikin on January 12, 2026

Broker Licensed in VA, AL, AZ & 31 other states

Answered by Kevin Chaikin Medicare Insurance Agent

Christine Brewer · Answer

Yes, Medicare Part B covers urgent care visits because they are treated the same as doctor or outpatient visits, so you typically pay the standard 20% after the Part B deductible. Medicare Part A generally does **not** cover urgent care unless it results in a hospital admission.

Answered by Christine Brewer on December 9, 2025

Broker Licensed in FL

Answered by Christine Brewer Medicare Insurance Agent

William Wheatley · Answer

Urgent care visits would fall under Parts B after you meet your deductible would pay 80% you would be responsible for 20%. Again only after you have met deductible which is different state to state. Medicare Part A would cover in stay Hospital. Part B is for Doctor visits and Urgent Care. BE SURE TO VERIFY THAT YOU URGENT CARE FACILITY OF CHOICE ACCEPTS ORIGINAL MEDICARE PART B !

Answered by William Wheatley on December 8, 2025

Agent Licensed in MD

Answered by William Wheatley Medicare Insurance Agent

Althea Sanders · Answer

Part B covers outpatient care - which is covers all doctor visits, testing, poking, prodding, etc. This also includes Urgent Care Office visits. 

Part A is inpatient - your hospitalization stays.

MoniKea Hatten · Answer

Yes, urgent care visits are covered, but they are covered specifically by Medicare Part B (Medical Insurance), not Part A.

Here is the breakdown of how coverage and costs work for 2025:

Part B Covers the Visit: Medicare Part B covers urgent care visits for non-life-threatening illnesses or injuries (like a flu, small wound, or earache) that require immediate attention.

Part A Does Not Apply: Part A generally only covers inpatient hospital stays. Unless you are transferred from urgent care and admitted directly into a hospital as an inpatient, Part A will not pay for the visit.

Your Costs for Urgent Care (in 2025)
If you have Original Medicare (Part A and Part B), you will pay the following for an urgent care visit:

Part B Deductible: You must pay the first $257 of medical costs for the year (if you haven't met this deductible yet).

Coinsurance (20%): Once the deductible is met, you pay 20% of the Medicare-approved amount for the visit and any services received (like X-rays or stitches).

Copayment: You may also be charged a fixed copayment depending on the specific facility's rules and if the visit takes place in a hospital outpatient setting.

Important Note: To avoid higher costs, you should verify that the urgent care center accepts Medicare assignment. If they do not, they may charge you up to 15% more than the Medicare-approved amount (known as an "excess charge").

Edith Rojas · Answer

Yes Medicare covers urgent care visits, however with only part A and part B you must meet your annual part B deductible and pay 20 percent coinsurance which can be alot. I could help you with part C which would give you more coverages and protections if you don't have part C.

Answered by Edith Rojas on March 2, 2026

Broker Licensed in MI, AL, AR & 31 other states

Answered by Edith Rojas Medicare Insurance Agent

Does Medicare part A and B cover urgent care office visits?

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