I had to visit the ER clinic down the street from where I live (there’s one on basically every corner) just a few months ago. I don’t do annual check ups even though I have health insurance from work because the copays and any procedure costs are still significant out of pocket, my deductible is over $7k USD per year and I’m not going to be spending that any time soon. Anyways the doctor that I saw did me a solid, he told me I could use some pliers at home instead of having to pay the exorbitant fees at the ER clinic, so I was able to remove the arrow from my knee all by myself.