I am the edge!
I work at a hospital and the insurance is great for employees there. Annual physicals are free and the cost of other appointments is almost nothing. They want all their employees healthy, though, so they are always testing us and giving us vaccinations. The nice part about that is there is no charge for the vaccinations and tests, but I get tired of all the needles. We get tested for TB every 6 months! As far as going in when I'm sick, even with the low cost, I avoid it unless I think I'm really sick and don't seem to be getting better. I don't like to use up the doctor's time unless it's really necessary because I know how busy they are.