In this Oct. 17 photo, Dr. Jesse Pines poses for a portrait at the George Washington University School of Medicine & Health Sciences Clinical Learning and Simulation Skills (CLASS) Center in Washington. (AP Photo/Jacquelyn Martin)

In this Oct. 17 photo, Dr. Jesse Pines poses for a portrait at the George Washington University School of Medicine & Health Sciences Clinical Learning and Simulation Skills (CLASS) Center in Washington. (AP Photo/Jacquelyn Martin)

Is it an emergency? Insurer makes patients question ER visit

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