No way here either. Although, I'm sure my girls might do something this insane without asking. J once went to the ER for stitches when I was on a high deductible plan--which means I had to pay the ENTIRE cost of that visit. Had she gone to the Urgent Care, it would have been so much less money. But even if the ER were covered in full, I wouldn't go to it. Urgent care centers are open pretty late.
Kids aka young adults do these sorts of things. I have had many a teen beg me to take them to the ER because their throat was sore or their arm hurt. I had one kid, he was fat but kept telling everyone how athletic he was at football, snowboarding, lacrosse and wrestling. Do you know he ended up making three ER trips because of his "injuries"? The last time, he "blew his knee out" wrestling, though mind you, he was fine walking until he saw my car pull up, and I told him, "OK, I will take you to the ER or you will wait till tomorrow to go see the doctor and tonight we will go out to eat". Guess what he chose? We ate out. Hahaha