How to See a Doctor in San Diego Without Insurance: Sliding-Fee Care Explained
What “sliding fee” means
A sliding-fee scale lowers what you pay for care according to your income and household size. Patients who earn less pay less, often just a small nominal fee per visit. This program exists specifically so that uninsured and underinsured residents can still get quality medical care. To enroll, you typically bring proof of income, such as recent pay stubs or a tax return, and identification, and a staff member helps determine your discount. Full eligibility details are available on the Sliding-Fee Program page.
What’s covered
Opsam provides comprehensive care under one roof, including adult primary care, pediatric care, women’s health, dental services, mental and behavioral health, chiropractic care, and specialty services such as cardiology and endocrinology. That means routine check-ups, sick visits, chronic-condition management, and preventive screenings are all available to uninsured patients on the sliding scale.
How to get started
Call Opsam to schedule an appointment and let the patient-services team know you are uninsured. They will connect you with an enrollment counselor. Even if you plan to pay through the sliding-fee program, our Insurance Assistance team can also check whether you qualify for free or low-cost coverage such as Medi-Cal or a Covered California plan, which may cover your care going forward.
Opsam locations across San Diego County
Opsam operates clinics in communities including National City, Mira Mesa, City Heights, Scripps Ranch, and Rancho Peñasquitos, with an administrative office in Chula Vista. Care is available to registered patients 24/7 through an after-hours line. Find the clinic closest to you on our Locations page.
Frequently asked questions
Can I really see a doctor with no insurance in San Diego?
Yes. Community health centers like Opsam serve uninsured patients every day using a sliding-fee scale based on income.
What do I need to bring?
Photo ID and proof of household income, such as pay stubs, a tax return, or a benefits letter, help staff set your discounted rate.
Will I be asked about immigration status?
FQHCs serve everyone in the community regardless of status. The focus is on getting you care.
Is this the same as an emergency room?
No. For a life-threatening emergency, call 911. The sliding-fee program is for regular medical, dental, and behavioral care.
To schedule affordable care with or without insurance, call Opsam Health at (844) 200-2426 or visit opsam.org.
