Insurance & Payment
We accept most major insurance plans in San Diego County — including Medi-Cal, Medicare, Tricare, Covered California, and all major commercial plans. No insurance? Self-pay welcome with transparent pricing.
Medi-Cal Plans
San Diego County managed care plans
Medi-Cal
Fee-for-service
Community Health Group
San Diego Medi-Cal
Molina Healthcare
Managed Medi-Cal
Health Net
Managed Medi-Cal
Blue Shield Promise
Medi-Cal HMO
San Diego County uses a Geographic Managed Care (GMC) model. If you have Medi-Cal, you may be enrolled in one of the managed care plans above. We accept all Medi-Cal managed care plans operating in San Diego County. No copay required for most Medi-Cal visits.
Government Programs
Medicare, Tricare & Covered California
Medicare
Part A & B
Tricare
Military Coverage
Covered California
Marketplace Plans
Military Families Welcome
San Diego is home to major military installations including Marine Corps Base Camp Pendleton, Naval Base San Diego, and Marine Corps Air Station Miramar. We proudly serve active-duty service members, veterans, and military families with Tricare coverage at all our locations.
Commercial Insurance
PPO, HMO & employer plans
Blue Shield of California
PPO & HMO
Aetna
PPO Plans
Cigna
PPO Plans
UnitedHealthcare
PPO & HMO
We accept most major commercial insurance plans including PPO and HMO plans. If your specific plan isn't listed above, call us at (619) 354-6494 to verify coverage before your visit.
Self-Pay & Uninsured Patients
No insurance? No problem. We believe everyone deserves quality healthcare regardless of insurance status. We offer competitive self-pay rates and transparent pricing so you know what to expect before your visit.
- Transparent, upfront pricing
- No surprise bills or hidden fees
- Payment plans available
- Cash, credit card, and debit accepted
- Significantly less expensive than an ER visit
What to Bring to Your Visit
To help us process your visit smoothly and verify your coverage, please bring:
- Government-issued photo ID
- Insurance card or Medi-Cal BIC card
- List of current medications
- Copay or payment method
- Any required forms (employer, school, workers' comp)
- Referral (if required by your plan — not required for walk-in)
Insurance FAQ
Do you accept Medi-Cal?
Yes. We accept Medi-Cal at all locations, including managed care plans like Community Health Group, Molina Healthcare, Health Net, and Blue Shield Promise. Bring your Medi-Cal BIC card to your visit.
Do you accept Medicare?
Yes. We accept Medicare Part A and Part B at all locations. Medicare Advantage and supplemental plans may also be accepted — call us to verify your specific plan.
Do you accept Tricare?
Yes. With San Diego's large military community, we're proud to accept Tricare at all our locations. Active duty, veterans, and military families are welcome.
What Covered California plans do you accept?
We accept most Covered California marketplace plans available in San Diego County (Region 19). Contact us with your plan details to verify coverage before your visit.
What if I don't have insurance?
We welcome self-pay patients and offer competitive cash rates for all services. Our staff can discuss pricing during your visit. Cost should never prevent you from getting care.
Do I need a copay?
Copay amounts depend on your specific insurance plan. Many Medi-Cal plans have no copay for urgent care visits. Contact your insurance provider or call us to verify.
Can you bill my insurance directly?
Yes. We bill most insurance plans directly. You'll only be responsible for your copay or deductible at the time of visit.
Do you accept workers' compensation?
Yes. We treat work-related injuries and can bill workers' compensation insurance. Bring your claim number and employer information to your visit.
All Insurance Accepted at Every Location
The same insurance plans are accepted at all 4 Palm Urgent Care locations across San Diego County.
Questions About Your Coverage?
Call us to verify your insurance coverage before your visit. Our multilingual staff speaks 9 languages and is happy to help.