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Take advantage of nurse lines. Many health plans, hospitals and some medical practices offer services that allow patients to call for free medical advice 24 hours a day, seven days a week. Call up in the middle of the night and a nurse can give you advice on home remedies for heartburn or how to treat insomnia. Talking with a nurse may be especially helpful when you’re unsure whether an appointment is needed, and could save you money on another co-pay.