Emergency care, two ways.
Virtual emergency care is included on Silver and Platinum — instant evaluation, guidance, and prescriptions when something serious comes up. In-person ER coverage is available through Platinum Plus, with cost sharing after your chosen IUA deductible.
Most emergencies don’t actually need an ambulance. For everything between “something’s wrong” and “call 911,” virtual emergency care gets you a clinician fast. For true ER visits, Platinum Plus is the path that adds cost sharing after your IUA.
Connect to a licensed clinician by phone or video for urgent symptoms that need a professional eye — without leaving home.
When you need an actual emergency room — severe trauma, chest pain, stroke symptoms — Plus kicks in cost sharing after your chosen IUA. Any hospital, no network restrictions.
Knowing which level of care to use saves time, money, and sometimes lives. Use this as a quick decision guide — but when in doubt about a life-threatening situation, always call 911. Platinum Plus is the option on this page that includes the in-person ER sharing path.
Chest pain, signs of a heart attack, stroke symptoms (face drooping, arm weakness, speech difficulty), severe bleeding, loss of consciousness, major trauma, severe burns, suspected poisoning, severe breathing difficulty, severe allergic reaction.
Severe headaches, persistent vomiting, high fever, moderate allergic reactions, concerning symptoms that need a clinician’s eyes, or when you’re not sure whether to go in. A virtual clinician can evaluate, prescribe, or send you on if needed.
Sprains, common infections (UTI, ear, sinus), minor cuts and burns, fevers, flu symptoms, simple injuries. Use Gold or Platinum’s $50 in-person urgent care for these, or Silver/Platinum’s virtual urgent care if you’d rather stay home.
On Silver and Platinum, virtual emergency is a phone call or video tap away. No waiting room, no copay.
From the member portal or telehealth app, select “Emergency” or “Urgent.” You’ll be routed to a clinician within minutes.
By phone or video. Describe your symptoms, answer a few questions. The clinician evaluates and gives clear next steps.
A prescription, a follow-up plan, or a direct referral to an ER if that’s what’s needed — with documentation of the virtual visit.
Platinum Plus layers medical cost sharing onto Platinum. When you actually need an ER, the community shares eligible expenses above your chosen IUA deductible.
Platinum Plus includes cost sharing for emergency room visits, hospitalization, ambulance, and maternity. You pick your IUA up front.
Virtual emergency clinicians can evaluate, advise, prescribe, and refer for a wide range of conditions. For each category below, the clinician decides whether you can stay home, head to urgent care, or get to an ER.
For active mental health emergencies (suicidal ideation, self-harm risk), call 988 — the Suicide and Crisis Lifeline — or 911.
For virtual emergency only, Silver or Platinum has you covered. For both virtual and real-world ER visits, Platinum Plus is the membership that includes this service.
Our team can walk through your situation, help you choose the right plan, and explain how Plus changes ER coverage.