Problems with OB provider?

I went in for my first appointment and the nurse said that they won't be able to do anything if something happens in the first trimester because it would be too early for the embryo to be viable. Which I totally understand.

However, normally they say that if you're cramping/spotting or something abnormal comes up, you should go to the ER or get checked out, even if it is first trimester. My OB office says that there's no reason to go to the ER because they won't do anything and can't stop it if something happens.

What are your guys' experience with this?