If you go to the emergency room in the United States, what brought you there is most likely a sprain or strain, a stomachache, or a cold-type-thing that seems unusually severe. Either that, or it's an injury that may or may not be a broken bone but wow-wee does it hurt. And it's getting swollen. Better go in just in case. Then, after an average 28-minute wait, the ER doctor will tell you that it's just a contusion, another word for a really bad bruise. Then he'll charge you three times more than your family doctor—or thousands of dollars, if you're uninsured.