[zo1]

An "ER visit" can be a completely benign and simple thing that happens after-hours but really you just needed a nurse/doct, OR it could be a life-changing set of multiple surgeries and tests and treatments and and and. Let's not dismiss how very-real emergency costs can be, just because we don't like the messed-up american healthcare billing mess. I've been to an emergency room in South Africa, as an example, and off the bat it cost about $100. That's almost monthly average salary of a huge portion of the population here!