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Where To Go: Emergency Room or Urgent Care?

by | Dec 12, 2024

Know Where to Obtain Fast Medical Help

Does the facility you are visiting say “URGENT CARE” or “EMERGENCY”?

Pay attention to this because it matters!

Your primary care doctor is the best place to start when you are sick or hurt. They know you and your health history, including any underlying or preexisting conditions you may have. If you have not established a primary doctor, a good reason to do so is so that you will have a medical professional that does know your health history, including underlying and preexisting conditions. But what if you get sick or injured on the weekend or late at night when your doctor’s office is closed?

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Where To Go: Emergency Room or Urgent Care?

Is The Injury Urgent or Life Threatening?

If your condition is not life-threatening, but needs to be taken care of right away, then urgent care may be the right choice for you. Many urgent care centers are open after normal business hours, including evenings and weekends. Emergency rooms are normally open 24 hours per day, seven days per week, and are the best place for treating severe and life-threatening conditions.

 

Choosing Between Urgent Care and the Emergency Room

There are distinct differences between hospital emergency rooms and traditional urgent care centers, including the level of care that can be provided at each location.

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When to Go to Urgent Care

Urgent care centers can handle a variety of medical problems that need to be treated but are not considered true life threatening emergencies. They fill a vital gap when you become sick or injured and your regular doctor is not available, or you cannot wait for an appointment.

Urgent care clinics are convenient options because some of them may be open seven days per week and have relatively short wait times. They are also an affordable option, usually costing considerably less than the emergency room.

Many urgent care clinics are equipped with X-ray machines and labs to assess conditions such as fractures and infections. They are staffed with doctors who can provide a diagnosis, treat your condition, and prescribe medication.

As the demand for affordable, flexible healthcare options increases, it has become easier to obtain prompt medical care. Some urgent care clinics are freestanding while others are located within hospitals and medical centers. Many pharmacies now have retail health clinics that provide in-person and virtual visits, however many are considered “convenient care” as opposed to urgent care. Convenient care are geared more towards common colds, flu’s, physical’s, etc., whereas urgent cares are generally for a higher level of urgent care.

 

When to Go to the Emergency Room

Hospital emergency departments provide medical care generally 24/7, but unlike urgent care centers, they are also equipped for critical care life saving situations.

If you are facing a life-threatening emergency, skip the visit to the urgent care clinic; they are not equipped to provide the care needed and will either send you to the emergency room or call 9-1-1 for you. In a true emergency, this delay can have a profound effect on the outcome.

Go to the emergency room if you experience symptoms or situations such as:

  • Changes in vision
  • Difficulty breathing
  • Loss of consciousness
  • Coughing or vomiting blood
  • Severe trauma, particularly trauma to the head
  • Symptoms of heart attack such as chest pain or pressure or clammy skin
  • Severe bleeding or bleeding that does not stop after applying pressure for about five minutes
  • Symptoms of stroke such as sudden weakness in the facial muscles or an arm or leg and difficulty speaking or understanding speech

Again, does the facility you are visiting say “URGENT CARE” or “EMERGENCY”?

Pay attention to the signs!

When to Stay Home

Even when you are feeling under the weather, a visit with a doctor is not always helpful. If your symptoms are mild, such as a low-grade fever (for adults, that is below 102.2 degrees) or aches and pains, an over-the-counter pain reliever, plenty of fluids and rest is probably all that is necessary. However, you should follow your own intuition.

If your symptoms worsen or do not resolve in a day or two, it may be time to schedule a visit with your primary care provider. An increasing number of doctors now offer virtual visits, and many health insurance plans cover these visits to the same extent as in-person visits. This makes it easy for your doctor to assess your condition without requiring you to leave your house.

What is Covered By Obamacare?

What is Covered By Obamacare?

Preventive services are covered under the Affordable Care Act at no cost to the insured. This means there is no co-payment or deductible. There are specific services provided for all adults and specific benefits provided to women and children.

What Happens If You Forget To Pay Your Premium By The Due Date?

What Happens If You Forget To Pay Your Premium By The Due Date?

Life happens, and while you should make every effort to pay your health insurance premium on time, health insurance plans generally will have grace periods. You may have a grace period of 30 days, or if your insurance plan is through Nevada Health Link (on-exchange), it may be up to 90 days.

Why You Should Always Use an Insurance Agent

Why You Should Always Use an Insurance Agent

Insurance agents are licensed professionals who specialize in connecting people with the insurance policies that are right for them. They help the customers understand their coverage by studying all the insurance company’s policies and procedures.

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Paying for Medical Care

Depending on your health insurance plan, a visit to urgent care may have the same copay or coinsurance as an in-office visit with your regular doctor. With some health insurance plans, you have higher cost-sharing responsibilities with urgent care, but this option is still affordable compared to the emergency room.

If you have an HMO plan, you are generally only covered when you visit healthcare providers in your plan’s network. However, in a true emergency, your health insurance covers care you receive from any provider, even if they are outside of your plan’s network.

Getting Insured with Nevada Insurance Enrollment

Navigating through the many options of health insurance can be confusing and chaotic, but speaking with a locally licensed health insurance agent will help you obtain the right coverage you need. You will have peace of mind knowing that you are adequately insured when life complications arise. We work hard to find the most competitive quotes for your needs. Contact us today to begin the process of finding the best insurance plan for your family.

What Are Association Health Insurance Plans?

Most people have never heard of association health plans; however, these health insurance plans have been around for decades. Association Health Plans may have fewer benefits but will most likely have lower premiums, making them an attractive option for those who are young, healthy, and on a budget.

What is the Free Look Period in Health Insurance?

To help customers avoid buyer’s remorse, health insurance policies are required to offer a free-look period. If at any time during this period you find that you’re dissatisfied with your policy, you can cancel it and get your money back.

HRA vs Employer Sponsored Health Insurance

An employer-subsidized plan is a sensible option for employees. Not only does the employer pay at least 50% of the employee’s premium, but the remaining premium is tax-free and taken directly from the employee’s pay.

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