Know your choices when you need immediate medical care
When something unexpected comes up, there may not be time to make an appointment with your primary care physician (PCP). Get to know your options for care, so you can save time and money when it matters most. Visiting the ER is your most expensive option and should be used only for true emergencies. Learn more about all your care options below.
Teladoc — $
Waiting hours or even days for an appointment with your doctor is over! With Teladoc you can be talk with a U.S. board certified doctor within 15 minutes, any time of day, 365 days a year. They can treat non-emergency issues such as allergies, cold and flu symptoms, headaches, urinary tract infections, skin conditions, minor sprains and more! Teladoc doctors can diagnose, treat and prescribe medications – without the travel and waiting room time.
Beginning in 2019...
...your DoD NAF health plan will add two new Teladoc services to the program’s current general medicine services. These include:
- Dermatology, for help with skin conditions. You’ll be able to share a photo of your skin condition for review by a credentialed dermatologist and receive a diagnosis and treatment plan within two business days.
- A behavioral health program, for video counseling from an experienced psychiatrist, psychologist or Masters level therapist. Get help with issues such as anxiety, depression, substance abuse and stress.
The best news? Teladoc is affordable!
- $10 copay for General Medicine consultations
- $45 copay for Dermatology and Behavioral Health consultations
Note: Teladoc may not available in all states, and is not available overseas.
Walk-in Clinic — $$
A walk-in clinic is for non-emergency, minor health issues. Often found in grocery stores and pharmacies, they‘re not meant to replace your PCP and the average wait time is less than an hour. Walk-in clinics can treat many health conditions such as:
- Colds and flu
- Ear infections
- Minor insect bites
- Poison ivy
- Routine allergies
- Strep throat and more
Walk-in clinic cost: $30 copay per visit.
Find a walk-in clinic near you: Log in to www.aetna.com and click "Find Care", then click on the "Urgent Care" icon.
Find a CVS MinuteClinic near you: Go to www.cvs.com/minuteclinic/clinics.
Urgent Care Center —$$
Urgent care centers provide acute care for serious but non life-threatening situations. Many urgent care centers offer X-ray, imaging and lab services. The average wait time at an urgent care center is 1-2 hours. Visit an urgent care center for conditions such as:
- Burns and rashes
- Cuts and minor lacerations
- Sports injuries and more
Urgent care center cost: $30 copay per visit.
Find an urgent care center near you: Log in to www.aetna.com and click "Find Care", then click on the "Urgent Care" icon.
Emergency Room (ER) — $$$
The Emergency Room (ER) is for emergencies that can pose the risk of permanent impairment or endangering your life. Using the ER for non-life-threatening issues is your most expensive option. And, the average wait time is can be up to 4 hours.
Visit the ER for serious conditions such as:
- Chest pain or severe pain
- Difficulty breathing
- Major trauma
- Severe abdominal pain
- Uncontrollable bleeding
- Other symptoms that may put your life at risk
ER cost: $350 copay per visit plus 50% of the cost for non-emergency care (after deductible.)
Using the ER for non-emergency care is very expensive. The more people use the ER for non-emergency care, the more it costs everyone — from providers to patients to benefit plans. That means it’s important to understand when it’s truly necessary to go to the ER.
Still not sure where to go for care? We can help!
- Start by calling 24-Hour Nurse Line at 1-800-255-2386. A registered nurse can help you decide where to go for care.
- Or, make an appointment with your Primary Care Physician (PCP). From annual physicals to getting that lingering cold checked, your PCP is your partner in health. No PCP? No problem. Use the online provider search to find and compare nearby doctors. Just log in to www.aetna.com and click on “Find Care.”