<prompt> Human: So, Im not sure if this is exactly the right place to post this, but the issue does involve money. If there is a better subreddit, please let me know. nbsp;I am a full time college student in the US and I am still partially covered by my parents medical insurance. Recently, I had been having a persistent headache that had been bothering me for about a week, so I decided to go in to campus health to see if they could help me out at all. I thought, beforehand, that maybe it was stress or vision related, and was hoping to get some answers. nbsp;The intake process went smoothly, I answered a few questions by the nurses and they told me a doctor would be in shortly. When he arrived, he asked me basically the same questions: how long has the headache been around; what is its intensity; any other symptoms like nausea or vision problems. As soon as I told him I was having some vision blurriness and occasional nausea, he stopped questioning me and refused to examine me further, saying I could have a bleed in my brain and that I needed to immediately go to the ER for a CT scan. Of course, this scared the crap out of me! What was I going to do, say, No doctor, youre wrong, please continue to examine me? nbsp;The school medical center sent me over to our nearby university medical center ER via golf cart for further treatment. In the ER, they gave me an eye examination, took some urine of course, did some reflex tests, and decided that I had a migraine. They gave me some migraine medication and sent me on my way. Of course, this landed me with a disproportionately large bill for services that really SHOULD have been rendered by the campus health doctor. Now, I owe the hospital over 1000 when I never would have gone there in the first place if the campus doctor had not scared the living daylights out of me! None of this is sitting right with me. I dont understand why the campus doctor could not do what the ER ended up doing. nbsp;To make matters worse, my insurance covered only about 150 of the entire thing, and after calling the hospital to ask about discounts or breaks for low income patients, I was told that the best they could do was a payment plan. I can handle the payment plan and I dont blame the hospital for charging me although why was it so much for so little work?, but I am just so bitter that I had to go there in the first place! I feel like the campus doctor acted irresponsibly and caused me both a lot of anxiety and put me into debt. I feel like I should complain or have some kind of recourse, but I really just dont know what to do. Can I complain to someone? Is this debt really all on me? I never would have gone to the ER had the first doctor not acted the way he did. Any advice would be helpful. Thank you so much for reading.  <response>: partially coveredthis means what, exactly? youre covered, or you arent.a thousand bucks for an ER visit is cheap. if theyd done, say, an MRI, youd be looking at five or six thousand.the doc at the clinic sent you to the ER for a very good reason: the clinic guy is not trained to diagnose cranial hemorrhage or stroke; the guys at the ER are trained to do that. the clinic guy was right that nausea and blurred vision can be significant neurological symptoms, and he managed your case in absolutely the correct way: you were sent to someone with the knowledge, training, and experience to manage your symptoms. since your symptoms suggested conditions that could be immediately life-threatening, you were sent to the ER for evaluation. what if the shoe had been on the other foot, and the clinic guy sent you home with migraine meds, but you were really stroking out? that puts his license at risk. no, he made the right call.you can appeal the decision to your insurance company if you wish. i would also check with them for future reference about which hospitals in your area are covered and which are not, because if you need emergency care again think a broken arm or an automobile accident, you will want to know. 