Originally Posted by Rochard

You can't bring your kid to the ER each time they have an ouchie or a cold. My kid has a cold right now and I'm surely not gong to bring her into the ER. If it gets bad we'll bring her to the doctor.

My kid has broken her leg and her arm, and in both cases we surely didn't go to the ER. With the leg we went to the doctor and with the arm we went to urgent care. (Ironically, even with health benefits it's much cheaper to go to urgent care and just pay for it out of our pocket.)

You only go the ER when it's life threatening. I've been to the ER twice in my life and both times I was unconscious....