Encourage Clients to Start with Their Primary Care Provider 

April 8, 2026

Applies to Individual & Family Markets

Remind your clients that their doctor or primary care provider should be their first line of care for most health needs. Establishing and using a PCP helps ensure coordinated care and typically results in lower out-of-pocket costs.

A doctor/PCP can help with:

• Preventive services, screenings and tests
• Sore throat, cough or cold and flu symptoms
• UTI’s
• Back or muscle pain
• Minor fevers
• Bumps, scratches or rashes
• Respiratory infections

Emergency rooms should be reserved for serious or life-threatening situations. For non-emergency concerns, starting with a PCP can help clients avoid unnecessary ER visits and higher costs.

Encourage clients to confirm they have an in-network PCP and to establish care early in the year. You can also direct them to our care options page, which outlines additional in-network choices such as virtual care and urgent care. Providing clear guidance on where to seek care helps clients make informed decisions and avoid unnecessary emergency room visits.