I agree that there should be an urgent care open 24 hours. One probably wouldn't be enough, though, to handle everything in TV.
I'm thinking the advice the insurance nurse gave to these parents was based purely on finances and not where the toddler needed to be--which seems to be at an urgent care, not in the ER. They could have given her a referral to an x-ray lab. I had this same experience myself.
It's part of the problem of ER overcrowding.
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It's harder to hate close up.
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