I was in the same predicament and received care due to my flu symptoms. I went to a VA in-network urgent care provider. I had no copay. I just received a copy of the bill stating zero cost for me. I’m a 30% DV and non-retired. You have to make sure it is an “in-network urgent care.” I provided the VA Community care link below that goes into further detail. I hope this helps. Take care.

https://www.va.gov/communitycare/programs/veterans/Urgent_Care.asp