“It’s marked for unpaid past fees and an explicit refusal of care.”

I touched my gold wedding band, pressing the cold metal into my finger.

“We have full primary insurance through my husband’s business,” I said.

“He brought her in here five weeks ago.”

“He brought her to the out-of-network urgent care wing,” the receptionist said.

“Not the pediatric clinic that takes your insurance.”

“I don’t understand what the difference is.”

“The urgent care wing is a cash facility for patients without insurance,” she said.