That's subjective.  I feel like that momma would have still called the ambulance no matter what.  When people freak out the last thing on their mind is money.  The cost of health care only is a factor after the fact.  I'm sure she had to deal with paperwork and all sorts of stuff way after calling the ambulance.  I would feel much better if my taxpayer money is going to insure a baby with shampoo in their eye then to build weapons to kill thousands of babies is some other country.