Where to Go for Care

Contacts

Benefits Resource Center

888-857-0352

mlfbenefits@ajg.com

MLF Benefits Team

574-453-4133


Choosing the Right Place for Care

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.

Telemedicine

Convenient option for non-emergency care.

Urgent Care

When you need in-person care quickly.

Emergency Room

For serious or life-threatening conditions.

Before choosing where to go, ask:

  • Is this serious or life-threatening?
  • Do I need care immediately?
  • Can this wait for my regular doctor?
  • Could this be handled virtually?
  • Do I need an X-ray, stitches, or lab test?
  • Is the provider or facility in-network?

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.

Know Where to Go

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.

Telemedicine Contact

Website

Details

Phone

888-548-3432

Telemedicine

Live Health Online: See a Doctor Anytime

$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.

Talk Anytime, Anywhere

Connect from home, on vacation, or after hours. No time limit on consults.

Conditions Treated

Cold & flu, sinus, allergies, UTIs, sore throat, skin rashes, muscle pain, and more.

Prescriptions Available

Doctors can prescribe medication and provide short-term refills when appropriate.

Access via Sydney Health App

Download the Sydney Health app to access Live Health Online and manage your benefits on the go.

Call: (888) 548-3432 | https://livehealthonline.com/

LiveHealth Online

Urgent Care - See a Doctor 24/7 - LiveHealth Online

Feeling sick? Visit with an online doctor from the comfort of your home and get expert advice, a treatment plan and a prescription if needed.

Physican Office

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 clinic

Convenience clinic


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:

  • Ear infections
  • Bladder infections
  • Pink eye
  • Strep throat
  • Minor skin conditions
  • Allergies
  • Simple care needs

A convenience clinic may be a good option when your regular doctor is not available and the issue is not severe.

Urgent care

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:

  • Controlled bleeding or cuts that may need stitches
  • X-rays or lab tests
  • Ear infections
  • High fever or flu
  • Minor broken bones, such as toes or fingers
  • Severe sore throat or cough
  • Sprains or strains
  • Skin rashes and infections
  • Urinary tract infections
  • Vomiting, diarrhea, or dehydration
  • Minor burns


Emergency room

Emergency room

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:

  • Chest pain
  • Difficulty breathing or shortness of breath
  • Signs of a heart attack or stroke
  • Sudden numbness or weakness
  • Seizures or loss of consciousness
  • Serious head, neck, or back injury
  • Major trauma
  • Compound fractures
  • Deep knife or gunshot wounds
  • Moderate to severe burns
  • Poisoning or suspected poisoning
  • Severe abdominal pain
  • Uncontrollable bleeding
  • Suicidal or homicidal feelings
  • Overdose
  • Blurry vision or loss of vision

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.

Do not pay more if you do not have to

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.

Network care

Find in-network care

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:

  • Log in to Anthem to search for in-network providers.
  • Use the Sydney Health app to find care and view your ID card.
  • Call the number on your medical ID card.
  • Contact the Benefit Resource Center for help finding in-network providers.

Benefit Resource Center
888.857.0352
mlfbenefits@ajg.com

Help & support

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.

Download the UKG app


Benefits Department Contact

Regan Boyn

574-453-4133

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.