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Billing and Insurance - Innovative Care Book an appointment
Billing and Insurance - Innovative Care Book an appointment

Guess what? Our urgent care takes most major insurance, and you can check our in-network list of providers to find yours. We’ve tried our darndest to make this part as painless as possible. Read on for more information regarding billing and insurance, how to pay your bill, and how we handle patients with no insurance or who just want to pay out of pocket. We take most major commercial PPO insurances and Medicare.

If you’re here to pay your bill, click here.

COVID-19 Testing: We accept most insurance plans (PPOs, Medicare, and the Advocate hospital system HMO). If you have Medicaid, or an insurance we do not accept, you may self-pay $250 for the examination and COVID-19 test.

Uninsured patients may receive care under the Coronavirus Aid, Relief, and Economic Security (CARES) Act, which provides COVID-19 care at no cost to the individual.


Accepted Insurance Companies List
No Insurance or Self-Pay

Billing and Insurance
Accepted Insurance Companies List
Insurance Company
Plan Type
Aetna** PPO, NAP, EPO, POS, Advocate HMO
Aetna Advantage, Aetna Classic, Aetna Basic, Aetna Open Choice PPO
Beechstreet, Inc.(PPO Next) PPO
Blue Cross Blue Shield PPO* Bronze, Silver, Gold (B, S, G), Blue Choice B, S, G,  Blue PPO B, S, G, Blue Security PPO, Basic, Solution, Premier Multi-State Plan, Blue Options, Blue Edge, Blue Precision HMO, Advocate BCBS HMO, HMO Illinois (click link to see if your HMO site is in network) PPO
Blue Cross Medicare Advantage Medicare HMO
Blue Precision and Blue Advantage PPO
Cigna/ChoiceFund/Network/Great-West Healthcare PPO, EPO, POS
Cofinity PPO
Coventry (Personal Care) PPO, POS, HMO
First Health PPO
Humana, Humana National Preferred – ChoicePOS, Humana Advocate Centered HMO Plan, Humana HMO Premier/Open Access HMO, Humana HMO Select/Illinois Platinum HMO, Humana Medicare Advantage, Humana Illinois Coordinated Care Network (ICCN) PPO, POS
Humana National Preferred – ChoicePOS POS
Tricare East
United Healthcare (UHC) PPO, POS, Navigate
United Healthcare Medicare and United Healthcare Medicare Advantage PPO
 Land of Lincoln: National Freedom, National Choice, National Preferred, National Complete, National Premier, National Confidence, National Elite SEIU – Local 4, UFCW Local 1546 Health & Welfare Fund (Union Medical Center) PPO

Additionally, we will accept any other PPO plan not on the above list. However, if we are not in-network with the PPO (not one of the companies listed above), the patient may be responsible for a larger portion than if they see a physician that is in their network.

We Now Take Blue Cross Blue Shield of Illinois HMO Advocate Plans.
List of Insurances We Do Not Take:

***We do not take IlliniCare Health Plans

***We do not take Blue Cross Blue Shield Community Family Health Plan

***We do not take Aetna Better Health, Aetna Premier Care, Aetna Managed Choice, Cigna HealthSpring ICP, Community Care Alliance, Community Care Plan, Family Health Network, Harmony / WellCare FHP Plan, Illinicare, Illinois Department of Public Aid, Meridian FHP/ACA Expansion, Meridian ICP, Meridian Health Plan, Molina ICP, Next Level ACA/FHP and anything that has FHP (Family Health Plan) or Community on the card

The HMO issue is a difficult one. Here’s our interpretation: If your BCBS HMO card has an affiliated hospital with it (Advocate, like Illinois Masonic) then we will take it. Other HMOs (Presence Health) will not cover your visit with us. Here’s what you need to do: Contact your insurance company. We suggest contacting your insurance company’s customer service department by calling the number located on your card to help you locate a provider.

The Cost of Innovative Self-Pay Plan

No insurance? No problem. At Innovative Express Care, we want you to know the cost of your treatment up front. Nobody likes getting a huge bill in the mail after treatment. We work hard to give you high quality, efficient care, and will inform you of the costs of EVERYTHING so you have full control before, during and after your visit. We call this plan The Innovative Self-pay Plan.

Innovative Basic Plan – $175

This is a basic visit for possible flu, strep, UTI or a simple workup or treatment for fever. This visit involves one test (rapid flu, rapid strep, or urine testing), but does not involve blood testing.

Innovative Complex Plan – $250

This is for a more complex visit for anything involving blood work, X-ray, and any laceration repair. **Things not included in this price: crutches, boot, splints, prescription medications, Pap smear and any medical equipment.

Innovative Women’s Health – $350

This is for women who do not have insurance and need their gynecological exam (Pap smear, STD screening, blood tests, and general checkup). $350 includes all general labs, the actual Pap Smear, and STD testing. This is important, and it’s cost-effective, trust us.

Innovative Follow-up Plan – $100

This involves any follow-up for this same condition within a month or a refill on the medication. This does not include blood work (this would be $250).


Innovative Prescription Medication Plan – $15

If we have the medication we prescribe for you, most medications are $15 for the first medication and $10 for any other medications. Yes, that’s amazing considering a self-pay Z-pak at Walgreen’s is more than $100.
One footnote on certain lab tests: There are some conditions that need an outside lab to process more complex lab tests, such as STD testing. We send some of these tests to our outside lab, and they will bill you for this separately. We only use the highest quality and most cost-effective labs in the Chicago land area, and let’s be honest, it’s important to get the right results.

Other simple pricing includes a visit for only vaccines (tetanus shot, school, camp, or employment physicals):

Camp, sports & annual school physicals (ages 21 and under1) $75
Administrative physicals (college and other school, elderly care, employment) $75
PPD/Tuberculosis testing (including follow-up/results) $30
Annual Checkup/Office Visit No Labs/With Labs/Pap $175/$250/$350

1Camp, sports and school physicals not typically covered by insurance. Payment is due at time of service. Certain exceptions, including age restrictions, may apply. Please call us for additional information. Patients who require additional physical forms to be completed will be charged an additional $15 at the time of visit.
For those of you without insurance on our Innovative Special Plan, we also have special pricing on vaccines:

Flu (Influenza) ages 6 months+ $40
Typhoid $1202
Hepatitis A series (adult) $1302
Hepatitis B series ages 7+ $120 per dose, 3 dose series
Human Papillomavirus series (HPV) ages 11-26 $225 1st dose $200 2nd and 3rd dose
Measles, Mumps, Rubella (MMR) ages 7+ $110
Meningitis (Meningococcal) ages 11-55 $145
Pneumonia (Pneumococcal) $100
Shingles (Herpes Zoster) ages 50+ $2301
Tetanus, Diphtheria, Pertussis/Whooping Cough (Tdap) ages 10+ $70
Tetanus & Diphtheria (Td) ages 7+ $55
Yellow Fever Vaccine*** (please check availability by calling us) $2252
Chickenpox series (Varicella) 1 ages 7+ $150 per dose, 2 dose series

1Shingles (Herpes Zoster) may not be covered by insurance for patients ages 50-59. Contact your insurance plan for additional information.
2Yellow Fever Vaccine, Typhoid, and Hepatitis A are usually not covered by insurance for patients due to travel vaccine status. We only cover BCBS PPO, otherwise, must pay listed amount at time of administration.