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whether or not when you go to emergency room and when did you go to urgent care clinics. some people when they sprain their ankle they go to the emergency room their deductible for insurance $110,000 emergency room. if you have a veined ankle call primary doctor go to urgent care center after hours. it s less expensive. rely on primary care doctor and not urgent care clinics. steve: there is the problem you might be traveling, you might need some sort of healthcare, and you are a long way from innetwork doctor. we can talk about that all day, guys. insurance companies really restrict how can see. see someone in network. might be doing everything right seeing your dermatology in network. if they do biopsy they send that to out of network lab and you get a will fo bill. you need to say where are you sending this and call to make sure they send it in network. last but thought least take