there is rapid expansion of retail heath clinics. People with insurance would use these clinics the same for minor issues/clear cut interventions that the uninsured would do. their reasoning, especially if their insurance covers the visit is to avoid the hassle of getting an appointment or waiting in the doc's office or getting care after hours.
The kind of care typically cited includes those fairly routine/relatively minor ailments that may need scripts: infections (ear, sore throat to check for strep, sinus, bladder)extreme cases of poison ivy or such (requiring steroids), sprains, and such.
Many of these clinics will fax the visit and treatment information to your physician to have a central record and if follow up is needed, you are encouraged to see your regular provider.
These clinics are being located at any store that has a pharmacy - including grocery or more general merchants, such as WM. The wisdom of this approach is being hotly debated in the medical community and in state policy circles.
From my perspective, for uninsured and for inconvenient times of care, this approach is certainly better than using the ER.