3 min read

FEBRUARY 2025

Know where to go for care for you and your family

When a life is in danger, there’s no question that the emergency room (ER) is the place to go. But there are plenty of times when you just need quick care for something that’s not life-threatening. And sometimes it’s hard to know the difference. Get help knowing where to go for care when you need it from your Costco benefits.

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Your choices for care

The difference in time and money spent between going to the ER versus seeking care with other options can be dramatic. The average wait time for an ER visit can be 3 or more hours. Additionally, ER visits require: $150 copay + your deductible to be satisfied ($250-$550) + your coinsurance (10-20%). You have more convenient – and lower cost – options for care. Get to know your options, and keep them in your contacts for when you need care in a hurry.

When it’s a true emergency, call 911 or go to the nearest emergency room. True emergencies are always covered under your plan, even if the ER is out of network.

When you need non-emergency care, you have more convenient options. To find in-network primary care providers, urgent care centers and walk-in clinics, visit Costcobenefits.com and click “Find a Doctor” under Health & Wellness. Or call your Aetna Health Concierge* at 800-814-3543 (TTY: 711).

Not sure if it’s an emergency? To talk with a nurse any time, call the 24-Hour Nurse Line* at 800-556-1555 (TTY: 711). You can also try 98point6^®** text-based care, 24/7, at home or on the go. Visit 98point6/Costco** or download the app so you’re ready when you need care.