What to do if you need emergency and urgent care?

If you or a family member experiences a life-threatening illness or injury, always call 911 or go to the nearest emergency room (ER). Whether you're at home or on the road, your plan pays in-network benefits to providers. There is no need for referrals or authorizations.


The list below includes, but is not limited to, situations that require ER treatment.

  • Major head trauma
  • Chest pain
  • Severe abdominal pain
  • Falls from greater than 7 feet
  • Loss of consciousness
  • Infants less than 6 months of age or with a temperature greater than 103 degrees
  • Pregnancy bleeding or complications
  • Life-threatening allergic reactions
  • Severe burns
  • Severe choking (cannot breathe or talk)
  • Signs or symptoms of stroke or heart attack
  • Amputation of a body part
  • Near drowning
  • Electrical shock
  • Severe break or bone fracture


The list below includes, but is not limited to, non-life-threatening conditions that can be treated by your primary care physician or an urgent care or retail care center in your network.

  • Colds and cold-like symptoms, including cough, sore throat, fever
  • Flu
  • Ear infections
  • Minor burns and injuries
  • Cuts
  • Sprains
  • Allergies
  • Asthma

Know your options

  • HumanaFirst® Nurse Advice Line - When a health concern arises, and you aren’t sure what to do, call the HumanaFirst Nurse Advice Line. It’s available 24 hours, seven days a week. Look for the telephone number on the back of your ID card. A nurse will provide advice on how to treat your situation at home or advise that another level of care is appropriate. 1-800-622-9529. If you use a TTY, call 711.
  • Doctor’s office - The first place to call for anything that isn’t an emergency
  • Retail clinic - An option for routine care that might be faster or more convenient than your primary doctor for minor illnesses, screenings and shots
  • Urgent care center - A great choice if your doctor isn’t available and you need care right away for something like the flu, infections, minor burns or sprains
  • Emergency room - Your immediate choice for life-threatening emergencies such as a stroke, heart attack, severe bleeding, head injury, or difficulty breathing

Learn more

Be sure to choose a provider in your network

Your policy includes a group of doctors, hospitals, and clinics called a network. For more information about networks, visit humana.com/network.

To find out if a provider participates in the Humana network go to Humana.com/physicianfinder or use the MyHumana app on your mobile device.