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To make the most of your employee benefits, understand your options, prioritize health and wellness, and maximize savings and retirement contributions.
Where to go for care?
You're feeling sick, but your primary care physician is booked. You have questions about a prescription, but the pharmacy is closed. Instead of rushing to the emergency room, consider all of your site-of-care options.

When to Use:
24/7 access to board-certified doctors from anywhere via phone, video, or mobile app. Perfect for minor illnesses when you'd prefer not to leave home.
Types of Care
- Cold & flu symptoms
- Bronchitis
- Urinary tract infection
- Sinus problems
Costs and Time
- Usually, a first-time consultation fee and a flat fee or copay for any visit thereafter
- Typically, immediate access to care
- Prescriptions through telemedicine or virtual visits not allowed in all states

When to Use:
You need routine care or treatment for a current health issue. Your primary doctor knows you and your health history, can access your medical records, provide routine care, and manage your medications.
Types of Care
- Routine checkups
- Immunizations
- Preventive services
- Managing your general health
Costs and Time
- Often requires a copay and/or coinsurance
- Normally requires an appointment
- Short wait time with scheduled appointment

When to Use:
You need care quickly, but it is not a true emergency. Urgent care centers offer treatment for non-life-threatening injuries or illnesses.
Types of Care
- Strains, sprains
- Minor broken bones (e.g., finger)
- Minor infections
- Minor burns
Costs and Time
- Copay and/or coinsurance usually higher than an office visit
- Walk-in patients welcome, but urgency determines order seen and wait time

When to Use:
You need immediate treatment for a serious life threatening condition. If a situation seems life threatening, call 911 or your local emergency number right away.
Types of Care
- Heavy bleeding
- Chest pain
- Major burns
- Severe head injury
Costs and Time
- Often requires a much higher copay and/or coinsurance
- Open 24/7, but waiting periods may be longer because patients with life threatening emergencies will be treated first
- Ambulance charges will be separate and may not be in-network
Free Wellness Programs
Take advantage of these free health and wellness programs designed to keep you and your family healthy, active, and engaged. Some programs are available to Medical Plan enrollees only.



