If you find yourself with a medical issue that needs immediate attention, but isn't a real medical emergency, you have options.
Urgent care centers are almost always lower cost than the emergency room, even when you do have insurance. Typical copay amounts for an emergency room vary from $75 to $300. The urgent care co-pay is much smaller, from $25-$75.
Plus, many urgent care centers allow conveniences like online check-in. You submit all your information to a website, and they'll call you at home when it's time to drive in. No waiting in the lobby for hours.
Do check your employer's insurance first, as some insurance plans only allow visits to certain chains of urgent care centers.