That seems like a long time for anyone to wait for anything. Good thing you are good neighbors.
I am not sure how any of the systems work. Here in states the Fire Department also has ambulances. So that probably helps.
I know if a person does not have insurance it can cost quite a bit too.
Save me one of those sweet rolls looks so good, my husband is bringing me back a cappucino and it will nicely with that.
We have the NHS (we pay direct from our wages - it's called National Insurance and depends on how much you're paid) so the less well-off don't have to worry about private insurance. Our hospitals are all free to use and though there's a huge worry (as @lucylin stated) that the NHS is being run-down so the government can sell it off, for the time being, health care is relatively free.
The rolls and plaits were around half a STEEM - bargain!