I stand by what I said. Insurance companies do NOT require the doctor answer every phone call personally 24 hours per day, 7 days per week If you doubt this, I would encourage you to call random PCP offices at 3 AM tonight and see how many of them actually connect you to a doctor at the clinic. Some clinics choose to offer this service, but it is NOT required by anybody. All you have to do is put a message on your machine telling everyone to call 911 and that is completely sufficient.