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BENEFITS

Medical Insurance

Tips for Using Your Medical Benefits

Ask questions when in doubt.

If you are having a procedure or planning an upcoming procedure, make sure you know how the procedure will be covered
and what your out-of-pocket cost will be, if any.

Know where to go for the right health care.

It’s important to know where to go when an illness or injury occurs. Below is a quick overview to help you better understand
when to use the different options available to you as a member of our medical insurance through United Healthcare.

24-Hour Nurseline Virtual Visits Doctor Visit Urgent Care Emergency Room

Free $ $ $-$$ $$$

• Available 24/7 • Available 7 days a • Office hours vary • You must visit an • Open 24/7
• A registered nurse week, 7am to 11pm • Generally, the best Urgent Care Center • Use for true
can help you decide • US board certified place to go for non- that is affiliated with emergencies such as
where to go for care doctors can treat you emergency care as a your medical group any accident or injury
when you or a family via two-way video relationship is • Often open longer that may lead to loss
member have a over the internet established and your hours, weekends, of life or limb, serious
health concern doctor is able to treat and/or holidays medical complication,
you based on • Often used when or permanent
knowledge and your doctor’s office is disability
medical history closed and there is
no true emergency

Accessing Care
• 24-Hour Nurseline: Call (877) 365-7949.
• Virtual Visits: Go to www.myuhc.com.
• Doctor Visit and Urgent Care: Go to www.myuhc.com.
• Emergency Room: In case of medical emergency, go to the nearest emergency room or call 911.
•


Use generic and over the counter drugs when available.
The best way to save on prescriptions is to use generic or over the counter medications as opposed to brand name drugs.
When you use generic medications, you will pay the lowest copay. Generic drug companies do not have to develop a
medication from scratch, so the costs are significantly less to bring the drug to the market. Once a generic medication is
approved, several companies can produce and sell the drug. This competition helps lower prices. In addition, many generic
drugs are well-established medications that do not require expensive advertising. Generic drugs must use the same active
ingredients as the brand name version of the drug. A generic drug must also meet the same quality and safety standards.


Use the mail-order prescription drug benefit for maintenance medications.
The mail order pharmacy is a fast, easy and convenient way to save time and money on your maintenance medications. You
can order additional supplies of medication at a discount. See carrier provisions for details.

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