10/17/2026
People want to know why costs are rising.
One reason?
Unnecessary ER visits or going to a facility that does not contract with your medical insurance provider (BCBS or PHP). Since they aren't contracted with your health plan, the facility charges more back to "the plan" (that's us).
➡️Now, of course, if you need emergency care, GO!
But we find many people go to the ER when Urgent Care can handle it.
Your urgency may not be an emergency.
Review the list below to find the right level of care for your situation.
Virtual care:
*Colds & Flu
*Rashes
*Sore throats
*Headaches
*Fever
*Allergies
*Acne
Urgent Care:
*Fever & flu symptoms
*Minor cuts, sprains, burns, rashes
*Headaches
*Lower back pain
*Joint pain
*Minor respiratory symptoms
*UTI’s
ER:
If a situation seems life-threatening, call 911 or go to the nearest emergency room.
*Sudden numbness, weakness
*Uncontrolled bleeding
*Seizure or loss of consciousness
*Shortness of breath
*Chest pain
*Head injury/major trauma
*Severe cuts or burns
*Overdose
For more information on your benefits, virtual care services, and providers, go to www.aps.edu/benefits.