Where to go for care

Understanding your network

The type of health plan you choose determines the network of providers you can visit.

• In-network providers are the doctors and hospitals in your plan's network. You'll save the most money by visiting network providers.
• Out-of-network providers are those not in your plan's network. You may pay more for out-of-network services, and some services may not be covered at all.

Know your options — before you need them

When you need care and your primary care doctor isn't available, remember you have other options that don't involve a trip to the emergency room. Using virtual care, retail clinics, or urgent care centers can save you time and money.

Virtual Care
Retail Clinic
Urgent Care
Emergency Room

Day or night, you can talk to a board-certified doctor who can treat non-emergency conditions.

Some plans do not include coverage for telemedicine services. Check your benefits booklet to determine if telemedicine is currently available for you.

Cost:

Time:

Severity:

Best For:

Additional Conditions

• Allergic reactions (minor)
• Bronchitis
• Cold, cough, and flu
• Digestive issues

• Eye pain or irritation
• Fever
• Headache (minor)
• Skin conditions

• Sinus pain
• Sore throat
• Urinary tract infection
• Vomiting

Get quick, convenient care for illnesses and vaccines.

Cost:

Time:

Severity:

Best For:

Additional Conditions

• Allergic reactions (minor)
• Bronchitis
• Burns (minor)
• Cold, cough, and flu
• Cuts and scrapes

• Digestive issues
• Ear pain
• Eye pain or irritation
• Fever
• Headache (minor)

• Insect bites
• Sinus pain
• Sore throat
• Urinary tract infection
• Vaccinations
• Vomiting

Use this faster, less expensive choice if you get sick or hurt.

Cost:

Time:

Severity:

Best For:

Additional Conditions

• Allergic reactions (minor)
• Animal bites
• Asthma attack (minor)
• Cold, cough, and flu
• Back pain
• Broken bones (minor)
• Bronchitis

• Burns (minor)
• Digestive issues
• Ear pain
• Eye pain or irritation
• Fever
• Headache (minor)
• Infections

• Injuries (minor)
• Insect bites
• Sinus pain
• Skin conditions
• Sore throat
• Sprains and strains
• Stitches
• Urinary tract infection

Go to the emergency room (ER) in case of a life-threatening or severe sickness or injury.

Cost:

Time:

Severity:

Best For:

Additional Conditions

• High fever with headache or stiff neck
• Loss of consciousness
• Major injury
• Overdose

• Poisoning
• Seizure
• Severe allergic reaction
• Signs of heart attack or stroke

• Spine injury
• Sudden severe headache
• Suicidal thoughts
• Trouble breathing