Need fast medical care? Know your options.
Know your options.
When you need medical care quickly, it's good to know you have a wide range of quality options to choose from, depending on how severe your condition or injury may be. If you feel your condition is life-threatening, the emergency room is always the right choice.
1-800-530-1021
Your Primary Care Provider (PCP)
Cost (2024): $0 /$5 / $10 copay, depending on your plan
Cost (2025): $0 for all plans excluding Access ($10 copay)
PCPs offer acute-care appointments during regular business hours. For non-life-threatening issues, a quick call to your PCP first may be your best option to get care from someone who knows your medical history and unique health needs.
Urgent Care Clinics
Cost (2024): $0 / $50 / $55 copay, depending on your plan.
Cost (2025): $55 copay in-country, $125 copay out-of-country. Excluding Alliance: $0 copay in-country, $125 copay out-of-country.
Urgent care providers can respond quickly to a variety of non-life- or limb-threatening illnesses and injuries if your PCP’s office is closed.
Most urgent-care clinics offer extended hours and are open seven days a week. Go to a local urgent-care clinic instead of an emergency room if you have:
- Sprains, muscle strains
- Cough, sore throat, sinus pain, and/or congestion
- Fever, minor infections
- Rash, minor burns or cuts
- Nausea, vomiting, and/or diarrhea
Your plan covers urgent care services worldwide and you are not required to use an in-network facility.
24-Hour Nurse Lines
Cost: No charge for Generations Advantage members.
When you're unsure about the severity of your medical issue, our 24-Hour Nurse Line is an indispensable tool that's available to you at no additional cost. It's the perfect resource for those times when you need advice on non-life-threatening conditions or injuries after regular clinic hours.
Call 1-800-530-1021 to speak with a registered nurse.
Cost (2024): $100 / $120 copay, depending on your plan.
Cost (2025): $125 copay in-country and out-of-country for all plans.
ERs are the best choice when conditions are life-or-limb-threatening and may require advanced treatment.
Hospital ERs are open 24 hours every day and offer access to specialists. The average ER wait time for non-emergencies is 90–120 minutes.
Go to your nearest ER if you have:
- Chest pain
- Unusual shortness of breath
- Severe abdominal pain
- Uncontrolled bleeding
- Signs of stroke like sudden weakness, difficulty speaking, or severe headache
After an ER visit, prompt follow-up care by your PCP can be an important part of getting better. If your condition does not improve or gets worse, please call your PCP.
Cost: $325 copay (in and out of country) for each Medicare-covered ambulance service (one way) for all plans.
You may get covered emergency medical care whenever you need it, anywhere in the world. Our plans cover ambulance transportation in situations where getting to the emergency room in any other way could endanger your health.