What's included
- 24/7 access to board-certified urgent care physicians
- Coverage for sinus infections, UTIs, rashes, pink eye, flu, COVID, minor injuries, sleep issues, and more
- Prescriptions sent directly to your preferred pharmacy
- Family coverage: spouse + up to 5 dependents
- Pediatric urgent care included
How it works in practice
An employee opens the app, taps Urgent Care, describes symptoms, and is connected to a physician - usually in under 10 minutes. The physician evaluates, prescribes if appropriate, and refers to in-person care when truly needed. The visit doesn't generate a claim on your group plan, so it doesn't count against your deductible or your renewal experience.
Average family has 3–6 urgent care episodes per year. At a typical $75–$150 urgent care copay or full ER charge of $500–$1,500 (high-deductible plans), this benefit alone typically saves a family $400–$2,000 a year while shifting claim cost off your group plan.
How it integrates with existing coverage
Acts as the first stop before ER or in-person urgent care. Reduces ER over-utilization, which is a top driver of group health claim cost.
Limitations
Being honest about what the benefit doesn't cover is more useful than pretending everything is included:
- Not appropriate for life-threatening emergencies - chest pain, stroke symptoms, severe bleeding always need 911
- Cannot prescribe controlled substances (DEA scheduled medications) via telehealth in most states
- In-person follow-up may still be required for some conditions