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Sorry to hear your husband is not feeling well.
How ill is he? Is he having difficulty breathing? A high fever (103-104 degrees)? Extreme pain?
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If your question is insurance-related, you should call the number on the back of your insurance card and discuss it with them. They are the only ones who can give you a definitive answer.
Some will pay for ER visits if the visit is considered necessary. Some will require you to seek a lesser level of health care, such as a walk-in clinic. Of course, if he illness is severe, you should seek care regardless of the insurance. Someone's life is more important than who is going to pay for the treatment.