By: Christopher Aguiar, Esq. My PCP is a great doctor, but I hate visiting him. I only live 2 minutes from his office, but somehow, my quick visits usually turn into long excursions. Luckily, I’ve educated myself, understand how my benefit plan works, and have an urgent care clinic nearby. When needed (like last week when my back reminded me I’m losing my battle with father time) I make a quick stop and am in and out in under an hour with the meds I need, at no out of pocket cost thanks to my incentive laden benefit plan with no co-pays on urgent care or generic drugs. The options are there, but you have to be educated and execute.