These are very beneficial for families with small children and for the elderly that live alone. Make sure that your health insurance plan offers this 24 hour toll-free service.
Here is the article:
http://www.bellaonline.com/articles/art20946.aspFeel free to include your own insurance's nurse help line here so I can add it to the article. Also post any related experiences you have had using these nurse hotlines and how it helped save you a trip to the emergency room or to a Doctor.