From Florida Blue
Looking for a way to save money on medical care? Here’s a quick win: when you’re sick or hurt, only choose the ER if it’s a true emergency. Research shows that up to 66% of ER visits could be treated in a non-urgent setting, like a doctor’s office or urgent care center, which are usually faster and cost less — whether you have health insurance or not.
Related: Florida Blue Foundation opens its 2025 mental well-being grant applications.
Save the ER for life-threatening emergencies
The ER is the right choice if you’re in a life-threatening situation, like experiencing severe chest pain, shortness of breath, or loss of consciousness.2 But using the ER when it’s not needed can cost more than you think — sometimes two to three times more than the same care from your primary care doctor.
When to choose a nearby doctor or urgent care center
For common conditions, like upper respiratory infections, urinary tract infections, and nausea with vomiting, it’s smart to start with a primary care doctor or local clinic. They can refer you to another place for care if it’s needed.
If your regular doctor isn’t available in person or through a virtual visit, urgent care centers can be a convenient and less costly option than the ER in non-life-threatening situations, even for those without health insurance. They also offer extended hours, and some are open on weekends.
Virtual doctor visits can be a convenient option
If you can’t get to your doctor’s office, many doctors offer virtual visits where you can connect with them via video chat on a computer, tablet, or smartphone. Many are available 24/7 and can diagnose you and prescribe medications.
Avoid stress by having a plan
With all the options available, it’s smart to have a plan for where to go when you or your family are sick or hurt. Here are some steps to help you start your plan.
- Know your nearby options for where to get care. Make a list with contact information, hours of operation, and cost per visit for each type of care below, plus your local ER. If you have health insurance, be sure to choose facilities in your plan’s network.
- Write it down once you have a plan and share it with your family. This ensures everyone knows the best option when the time comes. You can even photograph the list and save it on your smartphone, so it’s always handy.
Need help finding affordable care?
If you don’t have health insurance or think you can’t afford to get medical care, a community specialist or registered nurse can help. Stop by your local Florida Blue Center in person or connect with them by phone or even video chat for help finding affordable care, like a low- or no-cost clinic or other community resources that may be available. Whether you have a Florida Blue plan or not, there is no extra cost for this type of help. Find a location near you at FloridaBlue.com/Center.
Learn more about health insurance
To learn how health insurance works and can help protect you from expensive medical bills, visit GetCoveredFlorida.com.
