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Last night while running around the house with her sister, my five-year old daughter hit the back of her head on the corner of the wall. She had about a one-inch cut in her scalp. This was at about 7:30pm, so the doctor's office was closed. What should we do? We have an HSA insurance plan with a $3,180 deductible. So (appropriately) we weighed the pros and cons of different options.

The emergency room provides great care and we've been there more than once already. But it's the most expensive option. And in this case, the cut wasn't bleeding badly. It was a question of whether stitches would be needed. 

Urgent care is a lower-cost option that has saved the day for us in the past. You get immediate help, which of course costs more than a regular doctor visit. But it's much less expensive than the ER. My wife made some calls and found that our nearest urgent care doesn't do stitches. . . so that left us in an awkward spot.

Thankfully, several of our friends are nurses. So we reached one of them and texted a photo of the cut. She said that she wouldn't get it stitched because it will be hidden by hair and never really visible. That put our minds somewhat at ease. 

Still, we wanted to do what we could to encourage healing. On the Internet we found a few videos about using hair to pull the cut together. We got some tissue adhesive from a doctor friend to keep the hair sticking together, and soon enough the cut was closed up.

The point of this post is to encourage you - today - to look around your community and determine what options YOU would have for you or a family member, in case of injury. This not meant to be medical advice, or encouragement to not seek the care that you need, just to save money. 

However, if you know in advance what your options are, you may find that you can get the care you need and not spend more than you have to. You'll also have more peace of mind in knowing what your options are rather than scrambling to find something in your moment of need.
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