I'm supposed to have great insurance too. I scratched my eye in my sleep bad enough I needed help. Went to the ER, they said come back in two hours or it would be really expensive. So I go back two hours later when the "urgent care" is open. I had to pay $500.00 for them to look in my eye and say yup its scratched, here's a script for some drops. My insurance covered $40.00.