As a doctor and a lawyer, I like to think I'm pretty good at navigating the health-care system. So when my wife and I found a large swollen bruise on our 3-year-old son's head more than a week after he had fallen off his scooter, I was confident we could get him a CT scan at a reasonable cost. We live near one of the top pediatric emergency rooms in the country. The care was spectacular. My son was diagnosed with a small, 11-day-old bleed inside his head, which was healing, and insignificant.