Cost and insurance

Get answers to common questions about paying for your MoGo Urgent Care visit.

Estimating the cost of your care

Plan to pay when you arrive if you’re responsible for all or part of the cost of your care. You may owe payment if:

  • Your insurance has a co-payment (co-pay). Check with your insurance company about your coverage, but on average, most insurance co-payments range between $20 and $50
  • You have a high-deductible insurance plan. These types of plans require you to pay your complete deductible (which may be anywhere from $1,000 to $5,000 or more) before coverage kicks in. If you’ve met your deductible, you won’t be charged anything at your visit. If you have not met your deductible, you will pay $250 for the visit, and this will be applied to your deductible
  • You have a co-insurance plan. These plans typically require you to pay a deductible, but you must also pay a portion of the cost. For example, if your co-insurance — the percentage of the cost of a covered healthcare service that you pay — is 20 percent, and you have paid your deductible, you will pay $50 (20 percent of $250). If you have not met your deductible, you will pay $250, and that will be applied to your deductible. Some plans limit the amount they will pay for an urgent care office visit, so check with your insurance company
  • You’re paying out-of-pocket or aren’t using insurance. You’ll pay a one-time, flat fee of $250 for most visits or $50 to $80 for a school or sports physical, depending on the type of physical and age of the patient

What does the flat fee include?

If you’re paying out-of-pocket for a regular urgent care appointment, MoGo makes care available with a flat fee of $250. This means you receive all the care you need at this price, including:

  • An exam with a medical provider
  • Prescribed medications or medical equipment
  • Visit-related services, such as lab tests or X-rays, provided at MoGo so there’s no need to travel elsewhere
  • Follow-up care, depending on what we treated during your MoGo visit

How can I pay?

MoGo accepts most insurance plans, cash, and credit and debit cards. We do not accept personal checks.

Accepted insurance plans

We accept:

  • Aetna®
  • Anthem Blue Cross Blue Shield
  • Aspire Health Plan (which covers employees of Community Hospital, Montage Medical Group, MoGo Urgent Care, and Community Health Innovations)
  • Aspire Medicare Advantage
  • Blue Shield of California
  • Cigna Healthcare® of California
  • Medi-Cal, except Medi-Cal coverage provided by Central California Alliance for Health (CCAH)
  • Medicare
  • United Healthcare of California

If your insurance plan isn’t listed, contact your insurance provider or employer to learn if your MoGo visit may be covered.

Flexible payment plans available

We’re committed to caring for everyone who comes through our doors, regardless of ability to pay. If you can’t pay all at once, ask us about flexible payment options.

Financial assistance and sponsored care

Our Sponsored Care or Discount Payment programs may cover all or part of your MoGo urgent care services if:

  • Your health insurance doesn’t cover the services you need
  • You have no health insurance and meet low-income or moderate-income requirements

If you cannot pay at the time of your visit, talk with a MoGo staff member about applying for either program. We’re happy to talk with you about the application process before your visit, as well. In some cases, your visit may need to wait until you receive approval of your application.

Sponsored Care program

If your family income is lower than 250 percent of the Department of Health and Human Services (HHS) federal poverty level, you may qualify for free care through our Sponsored Care program.

Discount Payment program

If your family income is less than 350 percent of the federal poverty level, you may qualify for a discount up to 71 percent off the MoGo flat fee.

How to apply for assistance

Ask any MoGo staff member for an application for either the Sponsored Care or Discount Payment program. You must also provide:

  • Three months of recent pay stubs or last year's tax return to verify your own and your family members' income
  • Information and documentation about the value of your monetary assets and any health benefits coverage you have

Download a financial assistance application [PDF] and guide in English and Spanish [PDF], or call (831) 625-4922 to ask for a free copy of the application to be mailed to you. You can also pick an application up in person at any MoGo location or by visiting Patient Business Services at 40 Ryan Court, Suite 100, Monterey, CA 93940.

Government assistance programs

If you don’t have health insurance, you may be eligible for coverage through Medicare, Medi-Cal, California Children Services Program, or Covered California. The Covered California application will tell you if you are eligible for Medi-Cal or Covered California. To enroll in Medicare, contact the Social Security Administration at (800) 772-1213. The local California Children Services office in Salinas is available at (831) 755-4747.

Experience a new kind of urgent care

Walk in to the MoGo Urgent Care closest to you in Carmel, Marina, or Monterey, or make an online reservation. We’re open 8 a.m. to 8 p.m., seven days a week, 365 days a year.

Make a reservation

Log into MyChart

Keep track of all of your health information — including lab test and X-ray results — in MyChart. MyChart is the secure, online patient portal for MoGo, Community Hospital of the Monterey Peninsula, Montage Medical Group, and other Montage Health care providers.

Access MyChart

Related Locations

In Case of Emergency

If your medical condition is serious or life-threatening, you should call 911 or have someone take you to the nearest emergency department immediately.

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