Cost, Insurance & Benefits Overview
Key Insurance Terms (Plain Language)
Copay
Fixed amount you pay each visit (e.g., $20 for urgent care, $250 for ER).
Deductible
Amount you must pay each year before insurance starts covering services (e.g., $2,000 or $5,000).
Coinsurance
Percentage you pay after meeting your deductible (e.g., 20%).
Out-of-Pocket Maximum
The most you’ll pay in a year for covered care. After that, insurance pays 100%.
Cost Comparison(2025 Estimates in Hawaii)
Virtual Urgent Care
Cash/Self-Pay: $105 flat fee
With Insurance: $20–$40 copay (varies by plan)
Your insurance will be billed. Copays apply regardless of deductible status. If your deductible is notmet, the visit amount applies toward your deductible. Once your deductible is met, there may be a small remaining balance depending on what your insurance covers.
In-Person Urgent Care
Cash/Self-Pay: $150-$300.
With Insurance: $20-$50 copay.
Copays apply regardless of deductible. If deductible not met, you may owe additional costs until it’s
reached. After the deductible is met, a small balance may remain based on your coverage.
Emergency Room (ER)
Cash/Self-Pay: $1,500-$3,000+.
With Insurance: $250–$500 copay plus facility and physician charges
Copays apply regardless of deductible. If deductible not met, total bills can exceed $2,000+. After the deductible is met, you may still owe coinsurance or a small balance per your plan.
Practical Examples
Patient with $2,000 deductible not yet met → Virtual Urgent Care: $125; ER: $2,000+ bill.
Patient with deductible already met but not OOP max → Virtual Urgent Care: $20–$40; ER:$250–$500 + 20% coinsurance.
Patient has met out-of-pocket max → Both $0, but ER still involves time, travel, hassle.
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Virtual Urgent Care vs. ER in Hawaii
See how much you can save with virtual care compared to the ER.
Typical Hawai‘i Walk-In / Urgent Care Cost
✦ Urgent Care – Basic Walk-In: $150–$300+ depending on island and whether labs, X-rays, or meds are included.
With Insurance (copay/coinsurance)
✦ Urgent Care – Basic Walk-In: Copays usually $20–$75 depending on plan
✦ Emergency Room (ER): Copays often $150–$500+ plus deductible and coinsurance
Typical ER Visit Cost (Hawai‘i & U.S.)
✦ Emergency Room (ER): $1,000–$3,000+ for minor to moderate issues; serious cases can be much higher
✦ Urgent Care – Basic Walk-In: This is the common cash or out-of-network price range in Hawai‘i. Higher end is more likely on neighbor islands.✦ Emergency Room (ER): ER bills include facility fees, imaging, labs, physician charges, sometimes ambulance/transport.
✦ Emergency Room (ER): ER bills include facility fees, imaging, labs, physician charges, sometimes ambulance/transport.
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Why Choose Virtual Urgent Care in Hawaii?
Without insurance:
$105 flat fee is cheaper than in-person urgent care and thousands less than ER.
With insurance:
Lower copays ($20–$40 vs $250–$500). Deductible-friendly.
Avoids surprise bills:
No facility + doctor charges like ER.
Convenient: