My girlfriend is a physician in the ER at the largest hospital in Philadelphia and her informed opinion is that very few of the cases she sees are truly “emergent”.
So now I paid an extra $100-150 just to be told to go to ER anyway. I don't go to Urgent Care for those things anymore (heart attack scares that end up being heartburn with heart attack symptoms, for example).
There's also the issue that most Urgent Cares around here aren't 24/7, so if it happens late at night (like after 9pm), ER is all you got.
I try to steer clear of the ER at all times. If I'm not functioning enough to be able to make that decision, it's probably time for the ER. Just a personal philosophy.
I had a girlfriend years ago who made me take her to the ER because her stomach really hurt. We waited for 8 hours and by the time she got seen, her stomach didn't hurt. I could have strangled her.