this wasn't in the plan |but life is still pretty good

Four years ago while visiting my parents, Bug broke out in a horrible rash. We decided we needed to take him to a doctor to get it checked out. We wanted to be sure our insurance would cover such a visit so we called the insurance company to see where we needed to go. However, because it was a Saturday we were not able to speak to an actual person. Searching their website wasn't helping much either because the pages with the information we needed were down. We ended up taking him to a local urgent care place that in the end would not accept our insurance.

The lesson? Check such things before leaving home. Know what your co-pays would be for the ER or an urgent care facility. Learn if you can go anywhere or if you need to go to a specific office. Taking some time to do a bit of research beforehand can save you some hassle and headache later on.