Medically reviewed by the clinical team at Immediate Care Center of Westmont · Published July 23, 2026 · Last reviewed July 23, 2026
Not everyone who needs medical care has insurance — and even people who do sometimes prefer to pay directly. If that is you, “self-pay” is a normal, well-established way to be seen at Immediate Care Center of Westmont, a walk-in urgent care serving Westmont and the surrounding DuPage County communities of Downers Grove, Hinsdale, Oak Brook, Darien, Clarendon Hills, Willowbrook, La Grange, and Villa Park. This guide explains what self-pay and transparent pricing mean, what makes one visit cost more than another, how HSA and FSA accounts fit in, and how to get an actual number for your care before you are treated.
Self-pay simply means you are paying for your visit directly rather than billing it through an insurance plan. Patients choose self-pay for many reasons: they are uninsured, they are between plans, they have a high-deductible plan and expect to pay out of pocket anyway, or they simply want a clear, known price. Whatever the reason, self-pay patients are welcome, and being uninsured is never a barrier to walking in and being evaluated by a licensed provider.
Paying directly does not mean paying more than you should. In fact, a transparent self-pay price can make budgeting easier because you know the cost of a standard visit up front, instead of waiting weeks for a bill to arrive. To review your options, see our self-pay urgent care services or our cost and insurance page.
Transparent pricing is the idea that you should be able to know, before care begins, roughly what you will owe. For urgent care, that usually means a clear price for a standard visit, with the understanding that certain add-on services — a lab test, an X-ray, a procedure — carry their own additional cost. The goal is no surprises: you should be able to ask “what will this cost?” and get a straight answer.
We deliberately avoid publishing a single flat figure online, because doing so would be misleading. The honest answer to “how much does urgent care cost?” is “it depends on what you need.” The most accurate way to know your price is to ask our front-desk team when you arrive, or to call ahead at (630) 324-6825 and describe what is going on.
Your total is built from the specific services your care requires. The main drivers are:
This is why two self-pay patients seen on the same afternoon can owe different amounts. Someone needing only an exam and a prescription pays less than someone needing an exam, a lab test, and a procedure. Understanding the pieces helps you anticipate your own cost.
If you have a Health Savings Account (HSA) or Flexible Spending Account (FSA), you can generally use those funds to pay for urgent care visits and many related services, including qualifying tests, procedures, and prescriptions. These accounts let you pay with pre-tax dollars, which effectively lowers your cost. Bring your HSA or FSA card as you would any other form of payment. If you are unsure whether a specific service qualifies, your plan administrator can confirm, and the IRS maintains official guidance on eligible medical expenses.
It also helps to understand the broader vocabulary of health costs. HealthCare.gov defines out-of-pocket costs as your expenses for care that are not reimbursed by insurance — including deductibles, copayments, coinsurance, and the full cost of services that are not covered (see HealthCare.gov: Out-of-pocket costs). For a fuller picture of how premiums, deductibles, and out-of-pocket spending fit together, HealthCare.gov also offers a plain-language overview of your total costs for care (see HealthCare.gov: Your total costs for health care).
For the routine problems urgent care is built to handle, self-pay is often one of the most economical ways to get treated outside a primary care office — and far less costly than a hospital emergency room for the same non-emergency issue. Choosing walk-in urgent care for a sore throat, a suspected infection, a minor injury, or a fever that is not improving, rather than the ER, is usually the single biggest way a self-pay patient can control cost.
Our Westmont clinic handles a wide range of everyday care on a self-pay basis, including colds and flu, sore throats and strep, sinus and ear infections, urinary tract infections, COVID and STD testing, minor cuts and injuries, rashes, immunizations, school and sports physicals, occupational medicine services, and pediatric urgent care.
Self-pay pricing applies to non-emergency care only. If you have chest pain, trouble breathing, signs of a stroke (face drooping, arm weakness, slurred speech), severe bleeding, a serious head injury, sudden severe abdominal pain, a high fever with a stiff neck, or any other life-threatening symptom, call 911 or go to the nearest emergency room immediately. Never let cost delay care in a true emergency.
Come in whenever you have a non-emergency illness or injury and want to be seen without an appointment — whether you are uninsured, prefer to self-pay, or just need care sooner than your regular doctor can offer. Ask about pricing when you arrive so you know what to expect, and our team will make the process straightforward.
Yes. Self-pay and uninsured patients are welcome at our walk-in clinic. You do not need insurance to be evaluated and treated. For payment details, see our cost and insurance page or call (630) 324-6825.
Because the honest cost depends on what your visit requires. A single posted figure would be misleading, since a visit with an X-ray and a lab test costs more than a quick exam. We are glad to explain the price of a standard visit and any add-ons when you call or arrive.
Generally, yes. HSA and FSA funds can typically be applied to urgent care visits and qualifying services. If you want to confirm a specific service is eligible, check with your plan administrator.
For non-emergency problems, almost always. Urgent care commonly costs a fraction of an ER visit for a comparable complaint. The ER remains the right choice for true emergencies, where cost should never factor into your decision.
If you are paying out of pocket, we make it simple to get quality walk-in care. Immediate Care Center of Westmont has two Westmont locations serving DuPage County and welcomes self-pay patients. We are open Monday through Friday, 9 AM to 6 PM, and Saturday and Sunday, 9 AM to 5 PM. Walk in during those hours, check in online to save time, or call (630) 324-6825 to ask about self-pay pricing before your visit.
This page is for general educational purposes and is not a substitute for professional medical advice. If you are experiencing a medical emergency, call 911.
Monday – Friday: 9:00 AM – 6:00 PM
Saturday – Sunday: 9:00 AM – 5:00 PM
