Frankly, most of the non urgent visitors to the er actually don't have coverage in my experience.
I feel sorry for them a little bit. They come with high but unrealistic hopes of getting care. Because they won't get it and end up with a huge tab, they are nasty to work with if you don't manage them the right way.
How to deal? Well, lets be honest. Only a handful of us would have jobs if the er only got actual emergencies in the er. Further, it's probably a great basis for a variety of practical skills. What icu nurse knows the sound of various coughs, knows which insect bites need i&d and which don't, what needs sutures and what is obviously broken. Those are skills you take everywhere with you but most importantly straight into an np program. Haha