You could wait for hours in the emergency room (ER) and end up with a sizeable bill.

Before you go, know what options you have that could save you time and money. In fact, you could save up to $1,500 by choosing an alternative.

Many people have been surprised by their bill after visiting a freestanding emergency room or neighborhood hospital. These types of facilities bill at ER rates (or higher) and can be $1,500 or more than an urgent care center.

Ask before you enter:

• Is this an urgent care center or ER?
• Is this facility a network provider?

The ER may not be your only option

When you need care, call your primary care provider (PCP) or family doctor first. Your PCP has easy access to your records, knows the bigger picture of your health, and may offer same-day appointments. If your PCP isn't available, it's important to know you still have other options. Compare your choices.

If you have a life-threatening situation, call 911 or go to the nearest hospital emergency room.

But if it's not an emergency, comparing care options could help save you time, money and frustration.

If you have question about your benefits, call 1-800-777-1840, TTY 711.