Let’s hope none of us need any emergency medical treatment. But, if you do, say an X-ray, before you go to the nearest urgent-care, call ahead to ask if they are a freestanding emergency room. If not, you ma be charged up to 22 times what a doctor charges and up to 19 times what an urgent-care clinic charges. Many of these are health facilities that look like and provide similar care as the urgent-care does, but they are actually mini ERs. Asking that question can change your charge from  $160.00 to $3000.00.