VPP Benefit Guide 2026-2027

WHERE SHOULD I GO FOR CARE? Managing healthcare costs relies on choosing the right treatment location. Emergency room visits can exceed $1,900, making them costly for non-emergency situations. To assist in making informed decisions when unwell or injured, consider these guidelines for where to seek care next time.

Primary Care Physician

Telehealth

When to use Your primary doctor knows you and your medical history. They can provide routine care and manage your medications, advise you on when to seek a specialist.

When to use When you need care for minor illnesses and ailments but would prefer not to leave home.

Care Available for

Care Available for Routine Care Immunizations

Cold & flu symptoms Urinary tract infection Sinus problems Allergies Bronchitis

Manage Overall Health Prescription Management

Costs and time considerations Requires a copay and/or coinsurance. Appointment is needed. Wait times vary, typically available during standard business hours.

Costs and time considerations Care is usually immediate. Some states restrict prescriptions through telemedicine.

Urgent Care

Emergency Department

When to use For non-life-threatening, "after-hours" care for minor injuries or illnesses.

When to use Used for life-threatening conditions, severe trauma, or when you cannot wait for care.

Care Available for Minor Injuries Sprains or Strains Minor Broken Bones Minor Infections Small cuts or burns

Care Available for Heavy bleeding Chest pain Major burns

Mild Illnesses

Spine or Neck Injuries High Fever Difficulty Breathing

Cold & flu symptoms Allergic reactions Earaches Low-grade fevers

Costs and time considerations Often it requires a much higher copay and/or coinsurance. Open 24/7 but waiting periods may be longer as patients with life-threatening emergencies will be treated first.

Costs and time considerations Requires a higher copay and/or coinsurance. No appointment needed. Open outside regular business hours and weekends.

Do Your Homework

What may seem like an urgent care center could be a standalone ER. These newer facilities come with a higher price tag, so ask for clarification if the word emergency appears in the facilities name.

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