As you don't have NHS, what happens if a sick child was in a medical emergency, is there a charity that covers them or will treatment sometimes get withheld if there is no insurance?
You'll get every answer from 'pay for it yourself' to 'you can't be turned away'....the bottom line is that you can be turned away depending on whether or not the hospital deems the situation to be a medical emergency and/or that hospital doesn't take your insurance. People in families making 20,000 a year are turned down in some States so 'charity' all depends on where you live and what's available. Bottom line is you go to the emergency and hope they take you. If they do and you don't have coverage for your child, and you are above the rate set by the government (which is very low), then you must pay. If you can't, then it will go to a collection agency who will hound you whenever and wherever you can. If the bill is not too bad - say a few thousand - you can work with them to make payments and cross your fingers you or the kid don't get sick while that bill is being paid off because the next one will be added on to that one and so it will go on.
My mother in law just got her ambulance bill - $1200.00 for taking her 13 miles....that must also be paid. A lot of people are using their credit cards to pay for their medical bills but there are some plans underfoot in the government to turn health care into a right and not a privilege which will in effect change the way the whole system operates. sammieswife.