Do I need to have health insurance to use PlushCare? Ann from California July 09, 2019 17:54 Updated Follow No. PlushCare does not require health insurance. We will accept your insurance copay or deductible if you do have health insurance. Otherwise, our non-insurance visit cost is just $99.00 flat (no hidden or additional fees). Related articles How much does an appointment with a PlushCare doctor cost? Does PlushCare work with my health insurance? What medications can PlushCare prescribe? If my insurance company denies a claim, or doesn't cover the full amount, how much would I owe PlushCare? What is PlushCare's prescription refill policy? Comments 0 comments Please sign in to leave a comment.