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Using Your Insurance (Vol. 2) - Using the Essential Plan

In Vol. 1, we discussed the process of making and attending healthcare appointments. But what if you don’t know what kind of appointment to make or who to seek out? In this volume, we’ll break down the types of providers and services (the link to search for those covered under the UnitedHealthcare's Essential Plan is here), and when you should be going to who.

Primary Care Physicians (PCP) / Family Doctors

Your PCP or family doctor coordinates your overall care, handles routine check-ups, provides vaccinations, and addresses common medical concerns. They are most familiar with your health history, medications, and chronic conditions. As such, they should be your first point of contact for non-emergency situations. Your PCP can also refer you to specialists when necessary.


Specialists are healthcare professionals with expertise in specific medical fields (ex. cardiology, neurology, dermatology, etc.). You may need a specialist for complex conditions or for in-depth evaluation and treatment beyond your PCP's scope. Seek a specialist when your PCP refers you to one or if you have a condition that requires specialized care.

The difference between a PCP and a specialist lies in the breadth and depth of their expertise. While a PCP offers comprehensive care and serves as your healthcare home base, specialists provide in-depth knowledge in a more particular field, ensuring precise treatment for complex medical issues.

Urgent Cares

Urgent care centers cater to non-life-threatening but immediate medical needs, like minor injuries or sudden illnesses. They are in between a PCP and an emergency room, offering extended hours and quick attention for issues that can't wait for a scheduled appointment but aren't severe enough for an ER visit. Conveniently located, these centers offer basic tests and treatments on a walk-in basis.

Emergency Rooms

Emergency room visits are for life-threatening situations or severe injuries. They're equipped to handle critical conditions and provide urgent care 24/7. However, it’s important to note that ER visits can lead to unexpectedly high bills and long wait times for non-life-threatening issues, as it prioritizes critical cases.

After receiving your care, follow any post-care instructions diligently, including medication adherence, follow-up appointments, or physical therapy if prescribed. Keep track of your symptoms and note any changes. If you have any concerns or experience unexpected side effects, contact your healthcare provider immediately. Speaking of post-care...


Your local pharmacy is a valuable resource for managing minor health issues and prescriptions after receiving care. Pharmacists provide expert advice on over-the-counter medications, help manage prescriptions, and often offer immunizations and preventive health services. Choose a pharmacy that is conveniently located for you and ensure that they accept your insurance. You can use this link to search for pharmacies covered under the Essential Plan!


Welcome to Kimber Health, the premier healthcare solution for international students from over 100 countries. Our mission is to provide exceptional yet affordable healthcare options that cater to the unique needs of the global student community. Experience comprehensive healthcare coverage with our groundbreaking $0 Essential Plan, which offers a suite of benefits including free preventive care, dental and vision care, and even a gym membership reimbursement. We also have competitively priced plans are designed to not only meet but exceed university waiver requirements, enabling students to easily waive their university insurance and save thousands of dollars each year. Choose Kimber Health for cost-effective, high-quality healthcare that supports your educational journey abroad.


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