Salem Health: What's an emergency??

Follow up to my last question about where to receive non emergency care now that Salem doesn't accept BCBS. Where do I draw the line on "emergency"? Is there some medical guide that gives me a curve of cost vs fatality? This is a ridiculous thing to ask, but I can't afford multiple ambulance rides to transfer between covered emergency/stabilization and non-covered, non-emergency care. I'm so confused and scared and frustrated.