But I want to contrast this with the approach I may have taken in our old life, complete with a steady income and employer-based health insurance coverage. Let's put me at home with this injury, it happens during a Saturday of yard work. Ice would have been so easy to get out of the freezer that I would have likely done that first. Then, without a thought to inquiring online, I'd have driven myself to nearby urgent care. I'd flash my insurance card, fill out forms, see a doctor or P.A., get in the queue for an x-ray, watch a nurse put a $25 splint on my finger, and then get sent home--with a prescription for pain medication I probably would not have filled.