As most people have discovered, a trip to the Emergency Room can be very expensive. However, in a true emergency, most people don’t worry about the cost. Insurance companies do worry about the cost and they discourage policyholders from going to the ER for anything other than a real emergency. As a result, copays are much lower for trips to an urgent care facility. Many carriers are now charging copays from $250 to $500 for an ER visit. The copay for a trip to an urgent care facility is closer to $75.