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Use the ER wisely

It may be tempting to go to the emergency room (ER) when illness or injury strikes, especially when your doctor’s office is closed. But copays for the ER can be costly. And for ailments that aren’t life-threatening, you’ll likely see a doctor faster at an urgent care or walk-in clinic. (Sometimes, though, the copay at an urgent care or clinic may be the same as that of an ER. Check with your healthcare provider.)

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