Need Care? Your Choice Matters


Did you know?

71% of ER visits could be treated at an urgent care clinic or primary care setting.*

  • Save time

    Average urgent care wait time is 15 minutes

    Average ER wait time is up to 2 hours

  • Save money

  • Average cost of urgent care visit is $155
  • Average cost of an ER visit is $1000+

*IBM Watson/Truven Health Analytics.

It's hard to know where to go for care when you're sick or injured. Follow these tips to get the best care possible wherever you need it.

Check your health plan benefits.

We have a secure website so you can find the resources you need, when you need them. This easy-to-navigate portal gives you access to the following resources: in-network provider directory, pharmacy benefit information, and summary of benefits and coverage to find out your co-pay amounts, etc.

Travel Tip Icon with Plane

We don't know when you're traveling unless you call.

If you are traveling and need to visit urgent care give us a call once you've received your explanation of benefits. If your visit qualifies, we will make sure it gets processed as in-network.

This is similar to credit card companies verifying use when charges pop up in a different state. We don't know you're traveling when we get an out-of-network claim. Once we know you were traveling we will apply the appropriate in-network benefit (if applicable).

A Visual Guide to Care Decisions

Reviewed by TB on August 24, 2018


Minor InjuriesAvera Health Plans Virtual Visits - *FREE
Use our 24/7 provider video visits to get fast and convenient treatment for: UTI, flu, diarrhea, allergies, rashes, pink eye, etc. It's always free and unlimited with your special coupon code, found on the back for your member ID card. Can be used anywhere in the U.S. Patients must be at least 2 years old.

*For most members. Some limitations apply.

NOTE: IRS guidelines indicate that members with HSA-eligible plans may be subject to tax penalties if they use the free Avera Health Plans Virtual Visits service. If you have an HSA eligible plan, you may use your HSA or Flex spending dollars for this service.


Urgent Care Injuries

Questions to ask yourself based on your situation.

  1. Is it after office hours?
  2. Can it wait until the morning?
It Can Wait

Primary Doctor - $
Your primary care doctor knows you best and the clinic is equipped to handle all minor and serious issues. They'll handle care during regular business hours for sickness, injury and preventive services.

Make sure they're in-network or you'll pay more!

I Need Care

Urgent Care - $$
Urgent care is a great option for evening and weekend care but it is not open 24 hours.

They'll handle issues that require immediate attention: minor cuts and burns, sprains and broken bones, respiratory issues.


Emergency Injuries

Go to the nearest ER! - $$$
This is the most expensive option; use for critical issues such as chest pain, head injuries, trouble breathing, fevers over 103 degrees in babies 3 months and older.

Details about your out-of-pocket costs for an ER visit are outlined on page 3 in your Summary of Benefits and Coverage located on our member portal. Log in to learn more.