Need fast medical care? 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-or-limb threatening, the emergency room is always the right choice.

If not, we recommend your PCP or an urgent-care clinic—you could save time and money, while receiving excellent care from highly-trained medical professionals. The 24-Hour Nurse Line is also available to you at all times at 1-800-530-1021

During Regular Business Hours: Your Primary Care Provider (PCP)

Cost: $0 or $20 copay, depending on your plan.

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.

After Hours: Urgent-Care Clinics

Cost: $0–$45 copay, depending on your plan.

Urgent-care providers can respond quickly to a variety of non-life-or-limb-threatening illnesses and injuries if your PCP 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

Urgent and walk-in care directory. (PDF)

After Hours: 24-Hour Nurse Line 
1-800-530-1021

Cost: No charge for Generations Advantage plan members.

The Generations Advantage 24-hour Nurse Line is a great resource for after-hours questions about non-life-threatening injuries or illnesses. 

Call 1-800-530-1021 to speak with a registered nurse.

When to Go to the Emergency Room (ER)

Cost: $90 copay 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.

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