Figuring out exactly what kind of doctor you need can be daunting. In-person visits are inconvenient and expensive. Most people have to spend the first few thousand dollars, which means co-pays + the bills you receive in the mail afterwards. And then you’ve got to either make an appointment with a PCP that may be days or weeks away. Sure, you might be able to find a doctor on ZocDoc for that day or the next but they just completed residency last month and they need to fill their practice. You can also pay a premium and visit an urgent care center. But all of this is better than going to the ER when there’s not a true emergency and getting hit with a $2,000 bill a few weeks later. To help you understand your options, we put together this handy little cheat sheet.