Decide where to go for medical care

Compare the pros and cons of using various levels of care for where to seek medical care for accidents or illnesses.

Where you receive care	Your Cost	Cost to the Plan	Advantages	Disadvantages
Physician’s office	$15 or $20 copayment	$35 to $95	Better continuity of care	Limited office hours
			Familiarity with your health history	May be hard to schedule an appointment
			Less expensive
Urgent care facility*	$30 copayment	$35 to $75	Extended hours (weekends, evenings)	Costs more than office visit
			Much less expensive than emergency room	Less continuity of care
				Unfamiliar with your health history (will often do more extensive testing)
Hospital emergency room	$75 copayment and a percent of the remaining costs	$150 to $610	Can handle life-threatening situations	Most expensive
			Open 24 hours a day, 7 days a week	May have long wait for non-emergency situation (triage)
				Less continuity of care
				Unfamiliar with your health history (will often do more extensive testing)

*Sometimes pediatric after-hours clinics (a type of urgent-care facility) are treated for billing purposes, as a visit to a physician’s office and have a lower copay.

For more information about your benefits, please see your Benefits Handbook.

If you have any questions, please contact Deseret Mutual.

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