Urgent Care Without Insurance: What You’ll Pay at CityDoc

Yes — full stop. CityDoc sees patients with and without insurance every single day at all four of our DFW locations. You don’t need to show an insurance card to be seen, and you won’t be treated any differently if you’re paying out of pocket.

Self-pay patients receive the exact same care as insured patients: the same board-certified providers, the same on-site lab and X-ray, the same diagnostic equipment, the same evaluation and treatment plan. The only thing that’s different is how the visit gets billed.

You pay a flat self-pay fee for your medical evaluation. Any additional services — rapid tests, X-ray, on-site medication — are itemized and disclosed before they’re added to your visit. You’ll always know what you’re paying before you owe it.

A self-pay medical evaluation at CityDoc is $135.

That base rate covers everything you’d expect from your visit with a provider: your exam, your symptoms reviewed, a diagnosis, and a clear treatment plan. There’s no separate facility fee tacked on. There’s no “complexity tier” that gets escalated after your exam. It’s $135 to be seen and evaluated by a board-certified provider — the same one your insured neighbor would see.

If you need anything beyond the evaluation — a strep test, a UTI test, a flu/COVID panel, or an X-ray — each service is itemized with a clear price. Our team tells you the cost before any add-on is performed, so you can decide whether to proceed.

See our full self-pay price list, with every itemized service and rate, at citydoc.net/self-pay-urgent-care/

Not all DFW urgent care clinics price self-pay visits the same way. Some use a flat rate. Some use a tiered model. Some don’t publish their self-pay pricing at all. Here’s how CityDoc stacks up against the two most common alternatives you’ll find across Dallas and Fort Worth:

A growing number of national urgent care chains use a tiered pricing model. Their entry tier looks affordable on paper — typically in the $180 range. But here’s the catch: which tier you fall into is decided by the provider *after* your exam, based on what services you end up needing. A simple visit might stay in the entry tier. Add an X-ray or a few labs, and you may end up in a mid tier at around $235 — about 30% more than expected. A laceration repair, a fracture, or a more complex case can land you in the top tier at $350 or higher, nearly twice the rate you walked in expecting.

The result: many patients leave the clinic with a bill significantly higher than the one they planned for.

CityDoc doesn’t do tiers. Your medical evaluation is $135, regardless of what brings you in. Any additional services are itemized and quoted to you in advance — you decide what you want to proceed with, and you know what each one costs before it’s ordered. That’s the difference between transparent pricing and “transparent until the bill arrives.”

Two more things worth knowing if you’re comparing DFW urgent care options:

• Sunday hours vary widely across DFW urgent care brands. At least one major local competitor closes its urgent care doors at 5:00 PM on Sundays. CityDoc is open with full extended hours seven days a week — same hours on Sunday as any other day.
• Not every DFW urgent care location runs on-site labs. Some clinics send your samples out for processing, which can delay your treatment and add a separate lab bill later. CityDoc has on-site rapid diagnostic testing — strep, flu, COVID, UTI, mono — at all four locations. Results within 48 hours, no outside referral, no surprise lab invoice in the mail.

Pretty much everything an urgent care clinic should treat — the only thing that changes for self-pay patients is how you pay, not what you can get treated for. CityDoc handles:

• Cold, flu, COVID, strep throat, sinus infections, and bronchitis
• Ear, eye, and skin infections, including pink eye
• Urinary tract infections (UTIs)
• Minor injuries — sprains, strains, lacerations needing stitches, and suspected minor fractures
• Rapid diagnostic tests — flu, COVID, strep, UTI, and STI panels
• On-site digital X-ray — available at all four locations, no separate imaging appointment
• Sports physicals and work physicals — flat-rate, same day
• Occupational Medicine services

CityDoc is an urgent care, not an emergency room. For a life-threatening condition — chest pain, difficulty breathing, signs of stroke, severe bleeding — call 911 or go to the nearest ER. If you walk in and our ER-trained providers determine your condition needs emergency care, they’ll tell you directly and help facilitate the transfer.

Healthcare billing has a reputation for being confusing. CityDoc’s goal is the opposite — to make sure you know exactly what you’re paying and when, so you’re never surprised. Here’s how it actually works.

Payment is due in full at the time of service, according to the published self-pay pricing schedule. You pay before you leave, and that’s the end of the billing process — no statements arriving in your mailbox three weeks later, no surprise add-ons. What you pay at the front desk is what your visit costs.

Accounts that remain unpaid may be referred to a collection agency, which can include additional collection or attorney fees. We mention this for completeness — it’s a standard healthcare billing policy, not a threat.

CityDoc accepts:

• Cash
• All major credit and debit cards
• HSA, HRA, and FSA cards — urgent care visits are a qualified medical expense under all three. If you have a balance on an HSA or FSA, this is exactly what it’s for.
• Contactless payments — Apple Pay, Google Pay, and tap-to-pay credit cards