Emergency room or urgent care? In-office visit or telemedicine? Where you seek care impacts your out-of-pocket health care expenses. Whether you’re dealing with chest pain, a sports injury, allergies or health screenings, find out where to go for care based on your medical needs.
Immediate care is needed in urgent or emergency situations.
Sometimes, you must be seen in person for imaging, bloodwork and other medical tests that can’t be performed virtually, or for sensitive appointments that are better face-to-face. Use in-network providers and facilities, which will have negotiated rates within your health plan to help reduce costs.
Telemedicine is often a more affordable option when you need minor care for issues like congestion, sore throat or ear pain. You can also use these virtual appointments for a follow-up visit after a procedure or to request a medication refill. Visits are sometimes free (as part of some health plans) or are typically offered at lower costs than in-office visits.
It can also be a money-saving option when you’re sick after hours or when your regular health care provider’s office is closed. This can be more cost-effective than getting treatment in an urgent care facility or emergency room.
Most major health plans offer preventive care at no additional cost. Take advantage of in-office screenings and checkups from in-network providers or facilities. Being proactive could help you avoid expensive treatment for more severe conditions that can result when issues aren’t detected early.
Keep preventive care visits focused on routine care only. Discussing an unrelated health issue could reclassify the visit as diagnostic, which could result in out-of-pocket costs. If you have a health concern, schedule a separate appointment.
When you receive an explanation of benefits (EOB) statement for preventive care, verify that the services are accurately submitted for no out-of-pocket costs.
It can be challenging to sort through care options during an emergency or when you’re not feeling well. You can take a few steps now to make future care a little easier:
Download our Where to Go for Care guide for more helpful information.
Taking a proactive approach to your health can impact your well-being and ability to advance the Kingdom. Whether you’re learning the differences between the emergency room and urgent care, choosing a health plan or making plans to get healthy, GuideStone is here to help. For more information, contact us at Insurance@GuideStone.org or 1-844-INS-GUIDE (1-844-467-4843), Monday through Friday, from 7 a.m. to 6 p.m. CT.
GuideStone welcomes the opportunity to share this general information. However, this article is not intended to be relied upon as medical advice, diagnosis or treatment.
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• Oct 30, 2025 