Direct answer: It depends on your plan. Look up BayCare Urgent Care South Lakeland in your plan's provider directory using your plan ID, and call the clinic before you go. Your plan sets urgent care cost-sharing separately from emergency room cost-sharing.
Short answer: check the clinic in your plan before you walk in
Not necessarily. Plans set separate cost-sharing for urgent care and emergency room visits, and both amounts are listed in your plan's Summary of Benefits and Coverage. For a medical emergency, call 911 or go to the nearest emergency room.
BayCare Urgent Care (South Lakeland), 2645 S. Florida Ave., Lakeland 33803 (Southgate Shopping Center); (863) 606-6880; Mon–Fri 8 a.m.–8 p.m., Sat–Sun 9 a.m.–6 p.m.; adults and children 6 months and older; walk-ins.
Medicare Open Enrollment runs October 15 to December 7 (plan must get the request by December 7). The Medicare Advantage Open Enrollment Period runs January 1 to March 31 for people already in a Medicare Advantage plan.
About BayCare Urgent Care South Lakeland
BayCare says its South Lakeland urgent care treats adults and children ages 6 months and older. It's at 2645 S. Florida Ave. in the Southgate Shopping Center, and no appointment is needed.
HealthCare.gov: HMOs usually limit coverage to network doctors and generally don't cover out-of-network care except in an emergency; EPOs cover services only in network except emergencies; POS plans require a PCP referral to see a specialist; PPOs let you use out-of-network providers without a referral for an additional cost.
Medicare Part B covers urgently needed care; after the Part B deductible you pay 20% of the Medicare-approved amount for the provider's services (other costs may apply).
Urgent care vs. the ER under your plan
Your insurance card and photo ID, a medication list, and your plan's urgent care copay from its Summary of Benefits and Coverage.
Medicare.gov tells shoppers to ask their doctors and pharmacies whether they are in network with the plan they are considering.
How to check the clinic in your plan
Medicare Part B covers urgently needed care. After the Part B deductible, you pay 20% of the Medicare-approved amount for the provider's services. Medicare Advantage plans set their own urgent care copays and networks, so check the plan's directory.
Network status can differ by plan; check the plan's provider directory before enrolling. Use the exact plan ID and coverage year, then call the facility billing office and write down the date and the person you spoke with.
Use what an ER visit costs in Lakeland, check your doctors and prescriptions to gather names, locations, and prescriptions before you compare plans.
Medicare: urgent care under Part B and Medicare Advantage
Medicare marketing on this site is for Florida residents. Confirm hospital, doctor, and pharmacy participation with the plan and the office. Original Medicare and Medicare Advantage follow different network rules.
What to verify before you enroll
- Search BayCare Urgent Care (South Lakeland / Southgate) and each doctor by name and location in the plan directory
- Confirm the exact plan ID and year with the billing office
- Check prescriptions and pharmacy separately from the facility listing
- Read urgent-care versus emergency-room cost sharing in the Summary of Benefits
Additional verified details
HealthCare.gov (Florida uses it): Open Enrollment starts November 1; enroll by December 15 for January 1 coverage; Open Enrollment ends January 15, with February 1 coverage for December 16 to January 15 enrollments.
Related coverage questions
- what an ER visit costs in Lakeland
- how to keep your doctor when you change plans
- HMO vs EPO vs PPO
- deductible vs. out-of-pocket maximum
Common questions
Does BayCare Urgent Care South Lakeland take my insurance?
It depends on your plan. Look up BayCare Urgent Care South Lakeland in your plan's provider directory using your plan ID, and call the clinic before you go. Your plan sets urgent care cost-sharing separately from emergency room cost-sharing.
Does urgent care cost the same as the ER under my plan?
Not necessarily. Plans set separate cost-sharing for urgent care and emergency room visits, and both amounts are listed in your plan's Summary of Benefits and Coverage. For a medical emergency, call 911 or go to the nearest emergency room.
What ages does BayCare Urgent Care South Lakeland treat?
BayCare says its South Lakeland urgent care treats adults and children ages 6 months and older. It's at 2645 S. Florida Ave. in the Southgate Shopping Center, and no appointment is needed.
Does Medicare cover urgent care at BayCare Urgent Care South Lakeland?
Medicare Part B covers urgently needed care. After the Part B deductible, you pay 20% of the Medicare-approved amount for the provider's services. Medicare Advantage plans set their own urgent care copays and networks, so check the plan's directory.
What to do next
David Huff, a licensed Florida health agent, can review Polk County doctors, facilities, and prescriptions against a specific Marketplace or Florida Medicare plan ID. He does not decide facility billing. Signing up for Medicare Part A and Part B is done through Social Security, and a plan review is not an enrollment. Call (863) 640-3102 or use Get Help.
Want a second set of eyes before you pick a plan?
Send your ZIP, the doctors and facilities you use, and your prescriptions. Please don't send Social Security or Medicare numbers or medical records. A review is not enrollment.
Start a provider check Request a plan review Call (863) 640-3102Not affiliated with HealthCare.gov or the U.S. government.
We do not offer every plan available in your area. Currently we represent 9 organizations which offer 102 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Sources
This page is educational. It does not say whether a facility or doctor participates with a specific plan. Confirm the plan directory and the billing office before you enroll or switch.
Lakeland Health Insurance is not connected with or endorsed by the U.S. government or the federal Medicare program.
We do not offer every plan available in your area. Currently we represent 9 organizations which offer 102 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Company inventory note: The counts above reflect the plans available for the 2027 plan year in the Lakeland/Polk County service area as of September 30, 2026. They are not CMS counts or statewide Florida totals. Counts and available products vary by ZIP code, service area, plan year, and current company authorization. Confirm the ZIP code and current approved platform inventory before relying on these figures. Plan availability, benefits, networks, formularies, pharmacies, and costs are subject to the applicable plan documents and service area.