24-Hour Care

  • Seeking care after the doctor's office closes

    If you believe your condition is life or disability-threatening, call 911 or go to an emergency room.

    But if you need after-hours care for a non-life-threatening condition, you have options that could save you money. It pays to explore your options before you need them.

    24-Hour NurseLine

    Cost: Free
    Availability: All hours
    What it is: A registered nurse helps you determine the best care. Find the number on the back of your ID card.
    What it's for: The nurse's role is not to diagnosis a condition, but to help determine if you need immediate care, can wait for a next-day doctor appointment, or can be treated at home.

    Teladoc®

    Cost: $
    Note: This is not available on some plans. Check with your employer.
    Availability: All hours
    What it is: A video or phone consultation with a board-certified doctor. Set up your Teladoc account, so it's ready before you need care, download the app or call Teladoc at 855-332-4059.
    What it's for: Diagnosing and treating common illnesses, such as sinus problems, urinary tract infection, pink eye, bronchitis, upper respiratory infection, nasal congestion, allergies, and flu. They can and even prescribe a drug if necessary.

    Retail clinics

    Cost: $
    Clinics might require payment in full at time of service.
    Availability: Typically 7 days a week, hours vary
    What it is: Located in stores, supermarkets, and pharmacies, retail clinics are staffed with nurses and nurse practitioners who can treat minor illnesses and prescribe some medications. They are a great option when traveling.
    What it's for: Uncomplicated illness, such as cold, flu, pink eye, and sore throat.

    Walk-in clinics and urgent care

    Cost: $$
    Generally the cost of an office visit plus lab, drugs, supplies or x-rays.
    Availability: Typically 7 days a week, hours vary. Networks vary by plan. For the most accurate search, please  log in to your account.
    What it is: Care from doctors and nurses who can diagnose, request x-rays or lab, and prescribe any necessary medicine.
    What it's for: An alternative to the time and expense of emergency room care, walk-in clinics and urgent care are for non-life threatening illness or injuries that can't wait until the next day, such as low fever, urinary symptoms, sprains, and minor burns, laceration, and rashes.

    Emergency department

    Cost: $$$
    Availability: All hours
    What it is: Immediate care at all hours for a life-threatening medical emergency. The staff assesses patients to treat the most serious conditions first, so if you don't have a life-threatening condition, you might wait.
    What it's for:

    Life-threatening injuries or illnesses, including:
    Chest pain, amputation of limbs, deep wounds, sudden confusion, weakness, dizziness, numbness, severe headache, difficulty speaking or breathing, severe head injuries with loss of consciousness, new seizures, major burns, vomiting blood, smoke or chemical inhalation, poisoning, overdoses, suicidal behavior, physical or sexual assault, and pregnancy complications over 20 weeks.

    Ambulance transportation

    Cost: $$$$
    Availability: All hours
    What it is: Emergency care that comes to you.
    What it's for:

    Choking, shortness of breath, sudden numbness, severe abdominal pain, broken bones, head injury with passing out, fainting, confusion, or loss of consciousness; injury to neck or spine, especially if there is loss of feeling or ability to move, electric shock or lightning strike, severe burn, severe chest pain or pressure, and seizure that last 3 to 5 minutes.