Insurance We Accept
Healthcare at a Reasonable Cost
OneSpotMD is in network with most major health plans in Charlotte, including Blue Cross Blue Shield, Aetna, Cigna, UnitedHealthcare, Humana, TRICARE East, Medicare and NC Medicaid plans. Walk in at our Steele Creek or Plaza Midwood clinic, 7 days a week. You pay your plan’s share, and most NC Medicaid visits are $0 or $4.
Network participation and benefits vary by specific plan, location and service. Confirm coverage with your insurer before your visit; acceptance of an insurer is not a guarantee that every plan or service is covered.
- ✓ Blue Cross Blue Shield PPO plans, in state and out of state
- ✓ Aetna and Cigna PPO plans
- ✓ UnitedHealthcare and Humana
- ✓ Original Medicare, Medicare Advantage and TRICARE East
- ✓ NC Medicaid Direct, Healthy Blue, Carolina Complete Health, WellCare and AmeriHealth Caritas
- ✓ HSA and FSA cards accepted
- ✓ Out of network? Discounted self-pay rates, with visits from $140
Aceptamos la mayoría de los seguros médicos y los planes de Medicaid de Carolina del Norte. Con Medicaid, la mayoría de las visitas cuestan $0 o $4.
On this page
Plans we acceptNC MedicaidHMO or EPO plansWhat you’ll payOut of networkCheck your coveragePay your bill
Does OneSpotMD take my insurance?
Most likely, yes. We’re in network with Blue Cross Blue Shield, Aetna, Cigna, UnitedHealthcare, Humana, TRICARE East, Original Medicare, most Medicare Advantage plans and five NC Medicaid plans. The same plans are accepted at both clinics, for urgent care and primary care.
Insurance plans we accept
| Insurance | Plans we’re in network with |
|---|---|
| Blue Cross Blue Shield | PPO plans from North Carolina and other states |
| Aetna | PPO plans and plans run by a third-party administrator (TPA) |
| Cigna | PPO plans and plans run by a third-party administrator (TPA) |
| UnitedHealthcare | UnitedHealthcare plans |
| Humana | Humana plans |
| TRICARE | TRICARE East |
| Medicare | Original Medicare and most Medicare Advantage (Medicare replacement) plans. Call to confirm your Advantage plan. |
| NC Medicaid | NC Medicaid Direct, Healthy Blue, Carolina Complete Health, WellCare and AmeriHealth Caritas |
Plan names change often. If you don’t see your plan, or you’re not sure, call the number on the back of your insurance card or call either clinic before you come in.
NC Medicaid plans we accept
We’re in network with NC Medicaid Direct, Healthy Blue, Carolina Complete Health, WellCare and AmeriHealth Caritas. For most Medicaid members, a visit costs $0 or $4. For your exact copay, contact your Medicaid plan.
- Bring your Medicaid card to every visit
- We see adults and kids 3 months and older
- For patients under 18, call the clinic about consent requirements before visiting.
HMO, EPO or limited-network plan?
Some plans, like HMO and EPO plans, only cover visits at certain doctors, clinics or hospital systems instead of the insurer’s full network. If you have one of these plans, contact your plan before your visit to see if they’ll cover care at OneSpotMD.
This includes Blue Cross plans like Blue Value, Blue Home, Blue Local and Blue High Performance Network, which only work with certain clinics and hospital systems. Blue Cross Blue Shield PPO plans, from North Carolina or another state, are in network with us.
- Call the member services number on the back of your insurance card
- Ask if urgent care at OneSpotMD is covered under your plan
- If it isn’t, you can choose our discounted self-pay rate
Your insurance company decides what it covers, where, and how much. We’re happy to help you check, but your plan has the final say.
What you’ll pay with insurance
| If your plan has | When you pay |
|---|---|
| A copay | At your visit. Your copay amount depends on your plan. |
| Coinsurance | Your share is collected at your visit. |
| A deductible | We bill your plan first. If any deductible is left, we send you a bill for that amount. |
| NC Medicaid | Most visits are $0 or $4. |
| X-ray (Steele Creek) | Your plan determines any deductible, coinsurance or other cost-sharing. |
| Lab tests sent to Quest | Quest bills your plan directly. |
We take HSA and FSA cards for copays, coinsurance and bills. Urgent care usually costs much less than the ER for the same problem, and most plans have a lower copay for urgent care.
Out of network or no insurance?
If your plan is out of network with us, we offer our discounted self-pay rate as an alternative; ask about your options. Visits start at $140, and tests or treatments you need are added to that.
- See every price on our self-pay price list
- If you have out-of-network coverage, we give you an itemized bill so you can send a claim to your plan
- Self-pay prices are paid at your visit
Ask at check-in. If your plan is out of network or you have a high deductible, our self-pay rate may cost you less.
Check your coverage before you come in
- Call the member services number on the back of your insurance card
- Ask if OneSpotMD is in network and what your urgent care copay is
- Or call us: Steele Creek (980) 880-5588 or Plaza Midwood (704) 731-8656
- Bring your insurance or Medicaid card and a photo ID to your visit
Visits health insurance usually doesn’t pay for
| Visit | Who usually pays |
|---|---|
| Work injuries | Your employer’s workers’ comp insurance |
| DOT physicals | You or your employer |
| Pre-employment physicals | You or your employer |
| Drug and alcohol tests for work | You or your employer |
Pay your bill
For questions about your bill or available payment methods, call the clinic that treated you: Steele Creek (980) 880-5588 or Plaza Midwood (704) 731-8656. Please do not send payment-card details through email.
Related services
Urgent care servicesUrgent care for kidsLabs and blood workX-ray (Steele Creek)Self-pay pricesBilling questions
Last updated
Insurance questions
What insurance does OneSpotMD accept?
We’re in network with Blue Cross Blue Shield, Aetna and Cigna PPO plans, UnitedHealthcare, Humana, TRICARE East, Original Medicare, most Medicare Advantage plans, and NC Medicaid Direct, Healthy Blue, Carolina Complete Health, WellCare and AmeriHealth Caritas. Confirm your specific plan, service and location with your insurer before visiting.
Do you take Blue Cross Blue Shield?
Yes. We’re in network with Blue Cross Blue Shield PPO plans from North Carolina and other states, at both clinics. Limited-network Blue Cross plans like Blue Value, Blue Home, Blue Local and Blue High Performance Network only work with certain clinics and hospital systems, so check with your plan first.
Do you take Aetna?
Yes. We’re in network with Aetna PPO plans and Aetna plans run by a third-party administrator (TPA).
Do you take Cigna?
Yes. We’re in network with Cigna PPO plans and Cigna plans run by a third-party administrator (TPA).
Do you take UnitedHealthcare?
Yes. We’re in network with UnitedHealthcare plans.
Do you take Humana?
Yes. We’re in network with Humana.
Do you take TRICARE?
Yes. We’re in network with TRICARE East.
Do you take Medicare?
Yes. We take Original Medicare and most Medicare Advantage (Medicare replacement) plans. Call the number on your card or call either clinic to confirm your Advantage plan.
Do you take Medicaid?
Yes. We’re in network with NC Medicaid Direct, Healthy Blue, Carolina Complete Health, WellCare and AmeriHealth Caritas. Most Medicaid visits cost $0 or $4. For your exact copay, contact your Medicaid plan.
Do you take HMO or EPO plans?
Some HMO, EPO and other limited-network plans only cover visits at certain doctors, clinics or hospital systems. Contact your plan before your visit to see if they’ll cover care at OneSpotMD. Your insurance company decides what it covers, where and how much. If your plan won’t cover the visit, you can choose our discounted self-pay rate.
What if my insurance is out of network?
We offer our discounted self-pay rate, with visits starting at $140. If you have out-of-network coverage, we give you an itemized bill so you can send a claim to your plan.
When do I pay my copay or coinsurance?
Your plan-specific copay and coinsurance are collected at your visit. The amount depends on your benefits.
Will I get a bill after my visit?
You may receive a bill after your insurer processes the claim for deductible, coinsurance, or other patient responsibility under your plan.
Do you take HSA and FSA cards?
Yes. You can use an HSA or FSA card for copays, coinsurance and bills.
How do I know if my visit is covered?
Call the member services number on the back of your insurance card and ask if OneSpotMD is in network and what your urgent care copay is. You can also call either clinic.
Does insurance cover X-rays and lab tests?
Coverage depends on your plan and medical necessity. X-rays are available at Steele Creek; any deductible, coinsurance or other cost-sharing is determined by your plan. Quest bills your plan directly for send-out laboratory tests.
Is urgent care cheaper than the ER with insurance?
Usually, yes. Most plans have a lower copay for urgent care than for the ER, and the visit itself costs much less.
Do you take the same insurance at both clinics?
Yes. Steele Creek and Plaza Midwood accept the same plans.
What should I bring to my visit?
Your insurance or Medicaid card, a photo ID and a list of your medicines.
Does health insurance pay for work injuries or DOT physicals?
Usually not. Work injuries are billed to your employer’s workers’ comp insurance, and DOT physicals, pre-employment physicals and work drug tests are usually paid by you or your employer.
How do I pay my bill?
Use the Pay my bill button to reach our secure payment portal, or call the clinic that treated you for help. We accept HSA and FSA cards.
Do you see Spanish-speaking patients?
Yes. Some of our staff speak Spanish, and translation support is available. Call the clinic about your language needs.