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This is honestly rarely the case because most sick outs are for short term illnesses people rarely seek treatment for and primary care rarely has capacity to see anyone same day.
Meanwhile urgent care is expensive and could entail driving to and waiting hours to spend over $100. Nearly as arduous as going to work with the inverse effect on your bank balance. People aren't doing this.
It's most common to have a certain number of occurrences that are acceptable regardless of cause and to get a doctors note for a condition if it an ongoing issue will cause you to continually miss too many days
This depends on the employer. I have absolutely worked (in short bursts) for employers that have told me any sick time must be accompanied by a doctor's note, even for a routine illness like flu, cold, etc. This is usually an attempt to make sure people don't actually take days off, ever, especially since it's often combined with arcane PTO rules.
Ya that employer is uniquely bad.
It isn't unique at all actually. Throughout my years of work I have worked for, or come across, many employers who do this.
It used to be more possible and cheaper to visit nobody does that shit anymore and nobody goes to the DR with a cold