How to get the right care at the right time (and at the lowest cost)

How to get the right care at the right time (and at the lowest cost)

Knowing where to go for the help you need can save you a lot of money.

Calculator and cost chart

Sometimes you need medical help fast. Sometimes you just want advice and reassurance. Knowing the best way to get the care you need is important to your health — and to your budget.

This guide can help you make the best decisions about where to go for medical care.
CALL 911 in case of life-threatening injuries or illnesses.
24/7 Toll-Free Nurse Line 
Call 1 (855) 673-3063
  • Call for any nonemergency situation.
  • Talk about symptoms, at-home remedies and where to go for care if you need it.
  • There’s no copay or additional cost to you.
24/7 Virtual Care*
Log in to **
or call (888) 762-3171
  • Access care from anywhere via video or phone.
  • Get care for 80+ minor medical conditions 24/7/365.
  • Schedule a behavioral/mental health virtual care appointment at .
  • Have a prescription sent directly to your local pharmacy.
  • Pay less than visits to the ER or urgent care center.
Primary Care Provider (PCP) Visit
To find a network doctor, log in to
  • Call for an appointment for nonemergency medical care.
  • See your doctor in person or by phone or video.
  • Use in-network providers.
Urgent Care
To find in-network providers, log in to
  • A good option if you’re injured or sick and need attention right away, but it’s not an emergency.
  • Walk-in, after-hours and weekend service is usually available.
  • Use in-network providers to avoid unexpected costs.
Emergency Room
  • Go to the ER or call 911 in case of medical emergency, such as chest pain, numbness and weakness, trouble breathing or a serious injury.
  • If you get emergency care at an out-of-network hospital, you’ll usually pay in-network rates.
  • If you go to the ER for a problem that’s not an emergency, you will pay more than an office or urgent care visit.

*Cigna provides access to virtual care through a national telehealth provider, MDLIVE, located on myCigna, as part of your health plan. Providers are solely responsible for any treatment provided to their patients. Video chat may not be available in all areas or with all providers. This service is separate from your health plan’s network and may not be available in all areas or under all plan types. $0 virtual care benefit not available for all plans in Colorado. Some plans may apply a copay, coinsurance or deductible. Virtual care does not guarantee that a prescription will be written. Refer to plan documents for complete description of virtual care services and costs, including other telehealth/telemedicine benefits. A primary care provider referral is not required for this service.

**Customers under age 13 (and/or their parent/guardian) will not be able to register at