Little girl in arm cast

Make the Smart Choice

Know Where To Go

Using in-network providers usually means lower costs and less paperwork for you. Find an in-network doctor through your online member account at

Graph comparing telehealth, offic visit, urgent care, and emergency room cost

Here, you can also compare costs for services between doctors or facilities. Costs can vary greatly depending where you go – even within your plan's provider network. Explore your options to get the best care for you.

Your online member account at, makes it easy to choose the right kind of care and save. Simply sign in, and you can quickly access your out-of-pocket cost or copay information from the home page.

Know Your ER Alternatives Before You Need Them

Use the chart to guide you based on your symptoms or condition.

If you experience... Telehealth Your Physician's Office Retail Health Clinic Urgent Care Center Emergency Room
Animal bites

Back pain

Bumps, cuts, scrapes

Burning with urination

Coughs, sore throat

Ear or sinus pain

Eye swelling, irritation, redness or pain

Mild asthma

Minor allergic reactions

Minor fevers, colds

Minor headaches

Nausea, vomiting, diarrhea

Possible broken bones

Rashes, minor burns

Sprains, strains




Any life-threatening or disabling condition

Chest pain, numbness in face, arm or leg; difficulty speaking

Coughing up or vomiting blood

Cut or wound that won't stop bleeding

High fever with stiff neck, mental confusion or difficulty breathing

Major injuries

Severe shortness of breath

Sudden or unexplained loss of consciousness

Who usually provides care?

Choice of trusted, U.S.
board-certified doctors

Primary care doctor Physician assistant
or nurse practitioner
Internal medicine, family practice,
pediatric or ER doctors
ER doctors
and nurses
Typical Cost $ $$ $$ $$$ $$$$$

This chart is only a guide and should not be relied upon when deciding where to receive health care treatment. Please consult the appropriate medical care provider for advice.

Telehealth and each medical center or clinic may have different services available. Be sure to ask about your plan's network before receiving services.