Urgent Care vs. ER — Which Should I Use?

Choosing between urgent care and the emergency room is a decision you'll face at some point. Getting it right matters — both for your health and your wallet.

Use Urgent Care For:

• Minor cuts that may need stitches
• Sprains, minor fractures
• Fever, flu symptoms, COVID testing
• UTIs, ear infections, pink eye
• Mild asthma flares
• Minor burns
• When your doctor's office is closed

Use the ER For:

• Chest pain or pressure
• Difficulty breathing
• Stroke symptoms (sudden numbness, confusion, trouble speaking)
• Severe allergic reactions
• Major trauma, injuries, or accidents
• Loss of consciousness
• Severe abdominal pain
• Anything life-threatening or potentially life-threatening

The Cost Difference Is Significant

An urgent care visit might cost $100–$250 including your copay or coinsurance. An ER visit — even for something minor — can run $1,500–$3,000 or more. Your plan may also have a higher cost-sharing rate for non-emergency ER use.

Telehealth: The Cheapest Option

For conditions that don't require a physical exam — UTIs, rashes, sinus infections, prescription refills — telehealth is often available 24/7 at the lowest cost tier on most plans. Check your insurance app or member portal first.

When In Doubt

If you're not sure whether something is an emergency, call your insurance company's nurse line (free on most plans) or call 911. Never delay care for something that might be serious to save money.