Only $400? Even Urgent Care is expensive. Last year I cut my finger. Small but all the way to the bone. I went to Walgreens and got $20 worth of supplies. Fixed it up myself. How much would an ER visit cost for that little boo-boo? No way was I going to pay it.
Smart, you are. Last year I got bit on my thumb by a feral cat. Concerned about germs, I went the the Emergency room at the local hospital. All I wanted was a tetanus shot. I waited four hours in a waiting room with half a dozen other people before someone would look at my thumb. They asked me to wash and rinse it (something I could do at home), had me lay on a bed waiting another hour before someone else came to give me a shot, and gave me a prescription for drugs. Only real work done was a ten-second shot. My insurance took care of most of an expensive bill, which I got the runaround on for four months of paperwork before it was paid. All for a stupid little bite. Next time, it's Walgreens for supplies! Money-grubbing hospitals!