I manage orthopedic surgeons.
An urgent care that cannot take and read a plain XR is scary. There are wasted steps (and extra $$) if the person interpreting the film is not the person treating the problem. Any physician who needs a radiologist to interpret a plain XR is not competent to treat the fracture. (Advanced imaging is a different discussion.)
Go to an ER, where there are orthopedists on call, and they are obligated to see you (at least once) if the ED physician consults them. Better yet, if you have an established relationship with a family doc, have them refer you straight to the ortho office. You’ll save money.
By the way, as much as I dislike Obamacare, none of this has anything to do with Obamacare. Urgent care centers have been marginal for decades. (If you work in one, my apology; there are a few good ones. I’m sure yours is one.)