You might think it's yourcarrier's job to educate your employees, but the fact is, oftenthat education isn't as thorough as it could be. (Photo:Shutterstock)

We've all experienced scenarios like this: Your persistent earpain isn't severe, but you're concerned it won't go away and couldbe a worsening infection. Finally, late on a Thursday, you decideto take action. What's the most likely place you'd turn to forcare?

If you chose the emergency room, you're not alone. According tothe Healthcare Financial Management Association (HFMA),non-urgent visits to ERs are rising, even though emergencydepartment visits overall are dropping.

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