No, you do not need to have insurance to come to The Urgency Room. For those without insurance a deposit of $350.00 is required prior to treatment. Any additional amount due will be billed separately. All patients can work with our billing department set up a payment plan to cover any outstanding balances. The Urgency Room contracts with the major insurance plans in Minnesota and also accepts workers compensation and motor vehicle accidents. Please note that with WC we will need a first report of injury or get in contact with your employer to verify information before we are able to provide treatment. With motor vehicle accidents we will need a police report, car insurance card or claim information prior to treatment.