
Contacts
Benefits Resource Center
888-857-0352
mlfbenefits@ajg.com
Choosing the right place for care can save you time and money. Some health concerns can be handled through telemedicine or a convenience clinic. Others may need urgent care, your regular doctor, or the emergency room.
The emergency room should be used for serious or life-threatening conditions. For non-emergency care, consider lower-cost options such as telemedicine, your physician’s office, a convenience clinic, or urgent care.
Convenient option for non-emergency care.
When you need in-person care quickly.
For serious or life-threatening conditions.

If you are unsure where to go, contact Anthem, the Benefit Resource Center, or your medical provider for guidance. If you believe you are having a medical emergency, seek emergency care right away.
Telemedicine LiveHealth Online allows you to schedule a virtual visit with a physician for non-life-threatening health issues. It may help with common conditions such as cold or flu symptoms, allergies, pink eye, respiratory infections, sinus problems, minor skin issues, and more.
Phone
888-548-3432
$0 copay on both the Traditional and HDHP plans.
Live Health Online gives you 24/7/365 access to US-based licensed physicians via phone or video with no appointment needed. Average callback time is 10 minutes.
Connect from home, on vacation, or after hours. No time limit on consults.
Cold & flu, sinus, allergies, UTIs, sore throat, skin rashes, muscle pain, and more.
Doctors can prescribe medication and provide short-term refills when appropriate.
Download the Sydney Health app to access Live Health Online and manage your benefits on the go.
Call: (888) 548-3432 | https://livehealthonline.com/
Your regular doctor or primary care provider is often the best place to start for non-emergency care, especially when you need ongoing support.
Routine checkups
Immunizations
Preventive care
Ongoing health concerns
Medication follow-up
Chronic condition management
Referrals to specialists
Overall care planning
Your physician may know your health history and can help coordinate care over time.

Convenience care clinics are walk-in clinics often located in retail stores, pharmacies, or supermarkets where available. They may cost less than urgent care or emergency care because they are generally treated like a primary care office visit under the plan.
Use a convenience clinic for non-life-threatening immediate care, such as:
A convenience clinic may be a good option when your regular doctor is not available and the issue is not severe.

Urgent care is for conditions that are not life-threatening but should be treated soon. Urgent care centers are not designed for true emergencies, but they can help when delaying care could cause discomfort or a more serious problem.
Use urgent care for:

The emergency room is equipped to handle life-threatening injuries, serious illnesses, and severe medical conditions. Patients are usually seen based on the seriousness of their condition compared with other patients.
Go to the nearest emergency room for:
Under the plan summaries, emergency room care is a $300 copay under the Traditional Plan, waived if admitted, and 20% after deductible under the HDHP. Employees should review their guide, highlight, or UKG for the details that apply to them.

Unless it is a true emergency, do not go to the emergency room. For many non-emergency issues, telemedicine, your physician’s office, a convenience clinic, or urgent care may be more efficient and more economical.
Using in-network providers can help reduce your out-of-pocket costs. Before scheduling care, check whether the provider or facility participates in the Anthem network.
You can:
Benefit Resource Center
888.857.0352
mlfbenefits@ajg.com
Need help?
This page is a general overview. Your exact benefits, costs, coverage start dates, and eligibility rules may depend on your employee group, plan election, coverage level, and pay frequency. It is your responsibility to review your benefits, coverage elections, and covered dependents. Review your official benefit guide or highlight document, confirm your elections in UKG, or contact the Benefit Resource Center for help.
Your exact benefit details depend on your employee group. For payroll deductions, coverage start dates, HSA match amounts, and certain life/disability benefits, review the benefit guide or highlight document that applies to you.
Important: Payroll deductions vary by employee group and coverage level. Review your employee-specific benefit highlight or guide before making elections.
This website is intended for illustration and informational purposes only. The plan documents, insurance certificates and policies will serve as the governing documents to determine plan eligibility, benefits and payments. In the case of conflict between the information on this website and the official plan documents, the plan documents will always govern.
Where to Go for Care