not us, we've stuck with the local gov't hospitals and private drs for every day/common problems. so far, so good.
we did look at it at one point, after my son had a 41C (under the arm) temp (which means it was higher by at least a degree)... had to take him to the dr in DB after hours and paid $1800 for the consult (he had a bad ear infection in both ears)
when we called around to find out about insurance that included out patient services, we figured that we would never recoup the cost (i was quoted about $10k/year!!!!)