If you don’t have health insurance, the hardest part of going to the doctor is often not knowing what it will cost. A lot of people put off care for exactly that reason. Then a small problem turns into a big one.
You’re not alone. In 2025, about 15.6% of Marion County residents under 65 had no health insurance, according to Data USA. That’s roughly one in six working-age adults and kids.
Here’s what to expect, and how to keep costs predictable.
What a visit typically costs without insurance
Prices vary by clinic and by what you need, but here’s a general picture for Ocala:
- Urgent care: Solv reports that cash prices for a basic urgent care visit in Ocala generally run $100 to $175. Tests, X-rays and procedures add to that.
- Emergency room: Much higher. Even a simple ER visit can cost several times what urgent care does, and that’s before any imaging or labs.
- Primary care office: Self-pay rates vary widely. Always ask for the price before your visit.
The real cost isn’t just one visit. It’s what happens when you need a follow-up, a refill, a lab test or a second visit two weeks later. Those costs stack up fast.
Direct Primary Care: one monthly price for your regular care
Direct Primary Care, or DPC, is a membership. You pay a flat monthly fee, and your primary care visits are included. There’s no copay at the door and no bill showing up weeks later.
At LLB Medical Clinic, memberships include:
- Unlimited primary care visits
- Same-day or next-day appointments
- Longer visits that aren’t rushed
- Chronic condition management
- Phone, text or secure messaging with your provider
LLB membership pricing
| Age | Monthly price |
|---|---|
| 3 to 17 | $30 |
| 18 to 45 | $75 |
| 46 to 64 | $95 |
| 65 and up | $115 |
There’s a one-time $65 enrollment fee, discounted for families, couples, health care workers, teachers and veterans. See full membership details.
Is a membership worth it for you?
A membership usually makes the most sense if you:
- See a provider more than a couple of times a year
- Manage an ongoing condition like diabetes or high blood pressure
- Have kids who get sick often
- Want to text or message your provider instead of waiting on hold
- Are self-employed or between jobs
If you only need one quick visit, our self-pay rate or Cherry financing may be a better fit. Either way, you’ll know the cost before you book. [CONFIRM: self-pay visit price, if LLB wants to publish it]
Do I still need insurance if I have a membership?
A DPC membership covers your primary care. It doesn’t replace insurance for hospital stays, surgery, specialists or emergencies. Many people pair a membership with a high-deductible plan or catastrophic coverage to protect against big, unexpected bills.
If you’re shopping for coverage during open enrollment, it’s worth looking at both together. Not sure whether you need a walk-in visit or the ER? Read our guide to urgent care, the ER and primary care in Ocala.
Frequently asked questions
Can I see a provider in Ocala without insurance?
Yes. LLB Medical Clinic sees uninsured patients through self-pay rates, Cherry financing, or a Direct Primary Care membership.
Does LLB take insurance too?
Yes. We accept most major insurance plans. Call with your plan name before your visit and we’ll confirm what it covers.
What's included in a membership?
Unlimited primary care visits, same-day or next-day appointments, chronic condition management, and direct messaging with your provider. Labs, medications and outside services may cost extra. [CONFIRM: what’s excluded]
Is there a contract?
[CONFIRM: contract length or cancellation terms]
Want predictable costs for your family’s care? See membership plans or walk in to talk with our team.
