To go to the ER or not?You have choices to get thecare you need. Don’t know of a retail health clinic,

walk-in doctor’s office or urgent care center near you? We can help!

Go to anthem.com/f ndurgentcare to ilearn more about your choices for quick care. To search for an option near you, select Find Urgent Care. You can also call our 24/7 NurseLine at the number on your member ID card.

To f nd care when you’re on the go, download ithe Anthem Blue Cross and Blue Shield mobile app. Choose Find Urgent Care to do a search.

* Average estimated savings. Your savings will vary based upon your plan.

Anthem Blue Cross and Blue Shield is the trade name of: In Colorado: Rocky Mountain Hospital and Medical Service, Inc. HMO products underwritten by HMO Colorado, Inc. In Connecticut: Anthem Health Plans, Inc. In Indiana: Anthem Insurance Companies, Inc. In Kentucky: Anthem Health Plans of Kentucky, Inc. In Maine: Anthem Health Plans of Maine, Inc. In Missouri (excluding 30 counties in the Kansas City area): RightCHOICE® Managed Care, Inc. (RIT), Healthy Alliance® Life Insurance Company (HALIC), and HMO Missouri, Inc. RIT and certain aff liates administer non-HMO benef ts underwritten by HALIC and HMO benef ts underwritten by HMO Missouri, Inc. RIT and certain aff liates only provide administrative services for self-iiiifunded plans and do not underwrite benef ts. In Nevada: Rocky Mountain Hospital and Medical Service, Inc. HMO products underwritten by HMO Colorado, Inc., dba HMO Nevada. In New Hampshire: Anthem Health Plans of New Hampshire, Inc.; HMO plans administered by Anthem Health Plans of New Hampshire, Inc. and underwritten by Matthew Thornton Health Plan, Inc.i In Ohio: Community Insurance Company. In Virginia: Anthem Health Plans of Virginia, Inc. trades as Anthem Blue Cross and Blue Shield in Virginia, and its service area is all of Virginia except for the City of Fairfax, the Town of Vienna, and the area east of State Route 123. In Wisconsin: Blue Cross Blue Shield of Wisconsin (BCBSWi), which underwrites or administers the PPO and indemnity policies; Compcare Health Services Insurance Corporation (Compcare), which underwrites or administers the HMO policies; and Compcare and BCBSWi collectively, which underwrite or administer the POS policies. Independent licensees of the Blue Cross and Blue Shield Association. ANTHEM is a registered trademark of Anthem Insurance Companies, Inc. The Blue Cross and Blue Shield names and symbols are registered marks of the Blue Cross and Blue Shield Association.

37980ANMENABS Rev. 7/14

Going to an emergency room (ER) can cost you. It can cost you a lot of time and money.

So where else can you get care? When it’s not a true emergency, go to your doctor’s off ce, a retail ihealth clinic, a walk-in doctor’s off ce or an urgent icare center instead. You can also see a doctor online 24/7 at livehealthonline.com.

The wait times are usually much shorter than at an ER and these options can save you about $585.*

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Knowing where to go if you get sick or hurt can save you lots of time and money, and help you get the best medical care. How do you choose where to go when the unexpected happens?

The emergency room (ER) shouldn’t be your f rst stop —i unless there’s a true emergency. Go to the nearest emergency room or call 911 if:

There is a lot of pain or bleeding

You think a bone is broken.

You are having trouble breathing.

You think the problem might get a lot worse if you don’t get help right away.

You think the problem could kill you.

There was no warning before your symptoms started. If you need help but it isn’t an emergency, here are some options:

Call your doctor. He or she can help you decide whether you should go to an urgent care center or come into the off ce. i

Call 24/7 NurseLine. A registered nurse will help you decide what to do.

Go to a retail health clinic. These are small off ces in drug stores or other large stores. They arei open on weekends, evenings and most holidays. If the clinic can’t help you, they’ll tell you where to go next and you won’t have to pay.

Go to an urgent care center. Urgent care is for when you need to be treated right away, but your problem isn’t serious. These centers are open late at night, and on weekends and holidays.

Visit a doctor using LiveHealth Online. Board-certif ed doctors are available 24/7 to see you viai video using your computer or mobile device. Use LiveHealth Oline for common health issues like the cold, a f u, allergies and pink eye. l

Not sure what to do? Call your doctor to f nd thei best place to get care.

LiveHealth Online is the trade name of Health Management Corporation, a separate company, providing telehealth services on behalf of Anthem Blue Cross and Blue Shield. Anthem Blue Cross and Blue Shield is the trade name of: In Colorado: Rocky Mountain Hospital and Medical Service, Inc. HMO products underwritten by HMO Colorado, Inc. Copies of Colorado network access plans are available on request from member services or can be obtained by going to anthem.com/co/networkaccess. In Connecticut: Anthem Health Plans, Inc. In Georgia: Blue Cross and Blue Shield of Georgia, Inc. In Indiana: Anthem Insurance Companies, Inc. In Kentucky: Anthem Health Plans of Kentucky, Inc. In Maine: Anthem Health Plans of Maine, Inc. In Missouri (excluding 30 counties in the Kansas City area): RightCHOICE® Managed Care, Inc. (RIT), Healthy Alliance® Life Insurance Company (HALIC), and HMO Missouri, Inc. RIT and certain aff liatesi administer non-HMO benef ts underwritten by HALIC and HMO benef ts underwritten by HMO Missouri, Inc. RIT and certain aff liates only provide administrative services for self-funded plans and do not underwrite benef ts. In Nevada: Rocky Mountain Hospital and Medical Service, Inc. HMO products underwritten by HMO Colorado, Inc., dba HMO Nevada. In New Hampshire: Anthem Healthiiii Plans of New Hampshire, Inc.; HMO plans are administered by Anthem Health Plans of New Hampshire, Inc. and underwritten by Matthew Thornton Health Plan, Inc. In Ohio: Community Insurance Company. In Virginia: Anthem Health Plans of Virginia, Inc. trades as Anthem Blue Cross and Blue Shield in Virginia, and its service area is all of Virginia except for the City of Fairfax, the Town of Vienna, and the area east of State Route 123. In Wisconsin: Blue Cross Blue Shield of Wisconsin (BCBSWi), underwrites or administers PPO and indemnity policies and underwrites the out of network benef ts in POS policies offered by Compcare Health Services Insurance Corporation (Compcare) or Wisconsin Collaborative Insurance Corporation (WCIC). Compcare underwrites ori administers HMO or POS policies; WCIC underwrites or administers Well Priority HMO or POS policies. Independent licensees of the Blue Cross and Blue Shield Association. ANTHEM is a registered trademark of Anthem Insurance Companies, Inc.

04133MUMENABS VPOD Rev. 10/17

Emergency room (ER) vs Urgent care/retail health clinic

Emergency room

Urgent care/retail health clinic

Average cost1 for common conditions

Any copay Any additional deductible or

coinsurance that may apply

Average visit time2hours& 15min.2

Always call 911 or go to the ER if you think you could put your health

at serious risk by delaying care.

Enough time to go to the gym

By phone: Call the Member Services number on your ID card for help fi nding providers in your plan.

You save up to

1 hourYou save over

1 hour3

Need to fi nd care nearby?

You pay:

rof retteb si hcihW snoitcaer cigrella ?

When you have a rash or itchy, watery eyes and

can’t stop sneezing, where should you go?

1 Refers to average health plan copays, not the cost for the condition listed. For many members, deductibles and coinsurance may apply. 2 American College of Emergency Physicians website: ER Wait Times, Crowding & Access Fact Sheet (accessed July 2017): newsroom.acep.org/index.php?s=20301&item=29937. 3 Urgent Care Association of America website: 2016 Benchmarking Report (accessed July 2017): http://c.ymcdn.com/sites/www.ucaoa.org/resource/resmgr/benchmarking/2016BenchmarkReport.pdf.

Anthem Blue Cross and Blue Shield is the trade name of: In Colorado: Rocky Mountain Hospital and Medical Service, Inc. HMO products underwritten by HMO Colorado, Inc. Copies of Colorado network access plans are available on request from member services or can be obtained by going to anthem.com/co/networkaccess. In Connecticut: Anthem Health Plans, Inc. In Indiana: Anthem Insurance Companies, Inc. In Kentucky: Anthem Health Plans of Kentucky, Inc. In Maine: Anthem Health Plans of Maine, Inc. In Missouri (excluding 30 counties in the Kansas City area): RightCHOICE® Managed Care, Inc. (RIT), Healthy Alliance® Life Insurance Company (HALIC), and HMO Missouri, Inc. RIT and certain aff liates administer non-HMO benef ts underwritten by HALIC and HMO benef ts underwritten by HMO Missouri, Inc. RIT and certain aff liates only provide administrative services for self-fundediiii plans and do not underwrite benef ts. In Nevada: Rocky Mountain Hospital and Medical Service, Inc. HMO products underwritten by HMO Colorado, Inc., dba HMO Nevada. In New Hampshire: Anthem Health Plans of New Hampshire, Inc.; HMO plans are administered by Anthem Health Plans of New Hampshire,i Inc. and underwritten by Matthew Thornton Health Plan, Inc. In Ohio: Community Insurance Company. In Virginia: Anthem Health Plans of Virginia, Inc. trades as Anthem Blue Cross and Blue Shield in Virginia, and its service area is all of Virginia except for the City of Fairfax, the Town of Vienna, and the area east of State Route 123. In Wisconsin: Blue Cross Blue Shield of Wisconsin (BCBSWi), underwrites or administers PPO and indemnity policies and underwrites the out of network benef ts in POS policies offered by Compcare Health Services Insurance Corporation (Compcare) or Wisconsin Collaborativei Insurance Corporation (WCIC). Compcare underwrites or administers HMO or POS policies; WCIC underwrites or administers Well Priority HMO or POS policies. Independent licensees of the Blue Cross and Blue Shield Association. ANTHEM is a registered trademark of Anthem Insurance Companies, Inc. The Blue Cross and Blue Shield names and symbols are registered marks of the Blue Cross and Blue Shield Association.

57724MUMENABS VPOD Rev. 07/17

$150-$200

$180

Online: Go to anthem.com and choose Find a doctor. Follow the steps to search for a doctor or health care provider in your plan.

$20-$75

When you need care right away and your doctor isn’t available, the emergency room (ER) might be your f rst choice. But did youi know about 70% of ER visits are unnecessary?1 ERs aren’t the best choice in every situation, especially when you can save about $1,100 by going somewhere else when it’s not an emergency.2,3,4 And you won’t have to wait as long.

Here’s what to do when you need care fast

Skip the ER When it’s not an emergency, get quick care with these options

Step 1: Call your primary care doctor or 24/7 NurseLine

Your doctor can help you decide where to get care, whether it’s a visit to his or her off ce, going to the ER ori somewhere else. If your doctor isn’t available, you can call the 24/7 NurseLine at the number on the back of your ID card to help you decide what to do.

Step 2: If it’s not an emergency, choose one of these options to save you time and money

Depending on your needs, you’ve got these choices:

Retail health clinic — Usually in a major pharmacy or retail store where you can get basic health care services from a health care professional.

Walk-in doctor’s off cei — No appointment is needed for routine care and common illnesses.

Urgent care center — For conditions that need care right away such as stitches, lab tests or X-rays.

LiveHealth Online — Have a video visit in minutes with a board-certif ed doctor 24/7 on your smartphone, tableti or computer with a webcam. No appointment is needed. Just go to livehealthonline.com or download the free app to register and get started.

These options are more convenient than the ER. They’re often open at night and on weekends, so you don’t have to wait to get treated.

If you’re an HMO member, talk to your primary care doctor to understand your options for quick care. Your doctor can also help you f nd quick carei centers in your plan.

235433ANMENABS VPOD Rev. 3/17 See the other side for examples of when to go to the ER or if you should consider other options.

When to head to the ER

If you think it’s a true emergency, call 911 or go to the nearest ER.

1 Truven Health Analytics website: Truven Health Analytics Study Finds Most Emergency Room Visits Made by Privately-Insured Patients Are Avoidable (accessed March 2017): truvenhealth.com. 2 If you get care from a health professional or facility that is not in your health plan, you may have much higher out-of-pocket costs. 3 National averages of the total cost, not what members paid based on Anthem members’ paid claims from January 1, 2015 through December 31, 2015. 4 If you use the ER and it’s not a true emergency, your claim could be denied and you may be responsible for the full cost of your ER care. LiveHealth Online is the trade name of Health Management Corporation, a separate company providing telehealth services on behalf of Anthem. Anthem Blue Cross and Blue Shield is the trade name of: In Colorado: Rocky Mountain Hospital and Medical Service, Inc. HMO products underwritten by HMO Colorado, Inc. In Connecticut: Anthem Health Plans, Inc. In Indiana: Anthem Insurance Companies, Inc. In Kentucky: Anthem Health Plans of Kentucky, Inc. In Maine: Anthem Health Plans of Maine, Inc. In Missouri (excluding 30 counties in the Kansas City area): RightCHOICE® Managed Care, Inc. (RIT), Healthy Alliance® Life Insurance Company (HALIC), and HMO Missouri, Inc. RIT and certain aff liates administer non-HMOi benef ts underwritten by HALIC and HMO benef ts underwritten by HMO Missouri, Inc. RIT and certain aff liates only provide administrative services for self-funded plans and do not underwrite benef ts. In Nevada: Rocky Mountain Hospital and Medical Service, Inc. HMO products underwritteniiii by HMO Colorado, Inc., dba HMO Nevada. In New Hampshire: Anthem Health Plans of New Hampshire, Inc.; HMO plans are administered by Anthem Health Plans of New Hampshire, Inc. and underwritten by Matthew Thornton Health Plan, Inc. In Ohio: Community Insurance Company. In Virginia: Anthem Health Plans of Virginia, Inc. trades as Anthem Blue Cross and Blue Shield in Virginia, and its service area is all of Virginia except for the City of Fairfax, the Town of Vienna, and the area east of State Route 123. In Wisconsin: Blue Cross Blue Shield of Wisconsin (BCBSWi), underwrites or administers PPO and indemnity policies and underwrites the out of network benef ts in POS policies offered by Compcare Health Services Insurance Corporation (Compcare) or Wisconsin Collaborative Insurance Corporation (WCIC). Compcare underwrites or administers HMO or POS policies;i WCIC underwrites or administers Well Priority HMO or POS policies. Independent licensees of the Blue Cross and Blue Shield Association. ANTHEM is a registered trademark of Anthem Insurance Companies, Inc. The Blue Cross and Blue Shield names and symbols are registered marks of the Blue Cross and Blue Shield Association.

Money-saving tip

Visit hospitals and doctors that are in your plan. If you don’t, you’ll often pay much more out of pocket for your care.

Where to get care quickly4

Who usually provides care Average wait time and cost3 When to go

Emergency Room

Doctors trained in emergency medicine

For non-emergencies: 4 hours $1,200

Coughing up or vomiting blood Symptoms feel life-threatening or disabling Chest pain or severe shortness of breath Major injury or broken bones Sudden or unexplained loss of consciousness

Retail Health Clinic

Physician assistants or nurse practitioners

30 minutes $85

Allergic reactions (minor) Bumps, cuts, scrapes, rashes Burning with urination Burns (minor) Cold, cough and sore throat Sinus pain and fever (minor) Eye or ear pain or irritation Shots

Walk-in Doctor's Off ce i

Family practice doctors 30 minutes

$125

Same as retail health clinic plus… Asthma (mild) Back pain Nausea or diarrhea Headache (minor)

Urgent Care Center

Doctors who treat conditions that should be looked at right away

30 minutes $190

Same as walk-in doctor’s off ce plus… i Animal bites Sprains and strains Stitches X-rays

LiveHealth Online

Board-certif ed doctors i10 minutes $49 or less

Allergic reactions (minor) Headache (minor) Nausea or diarrhea Cold, cough and sore throat Sinus pain and fever (minor) Eye or ear pain or irritation Burning with urination

Be prepared

Get the right care. Whether that’s f nding the right doctor, specialist, therapist or something else altogether.i Just use the Find a Doctor tool at anthem.com or call the Member Services number on your ID card and we’ll guide you somewhere that’s part of your plan.

Find care near you whenever you need it. Download the Anthem Anywhere app to f nd i an urgent care center, retail health clinic or walk-in doctor's off cei quickly and get driving directions. Just search for “Anthem Anywhere” at the App Store® or Google Play.™

Watch this video on where to get care when you need it right away and how to save money.