here you get the wait and you get to pay the private price, on top of your insurance.
At least for me, regular medical care needs scheduled out some months, doctors have poor availbility. I get one freebie a year via insurance, everything else is about $50.
For minor injuries, or medical stuff that needs same-day eyes, but not a full emergency department, there is urgent care. You wait as long as it takes, in my area, usually 30-90 minutes, pay $100 and they may or may not be able to help. Minor prescriptions and stitches they can usually do
For major stuff, such as broken bones, heart attack, psychosis, whatever, there is the ER. You wait as long as you wait, and it's about $300 for the initial visit, though this can climb rapidly if you need to stay.
That's about it for your insured options.
Your uninsured options are similar, but more expensive. If you are extremely poor, or old, or both you may have a semi-free option with medicare and medicaid, but that is more complicated than I care to type out.