In Canada our visits to doctor, ER etc are no cost through our Medicare plan, and then we have private health insurance fo other stuff. There are services which are not covered - so recovery note, sick note, medical exam for work purposes, testing for travel purposes etc. I broke my hand at the race in Montreal and was seen at medical tent and had fingers taped and doc said to get xrayed at home. Silly like I didn’t have medical card with me and Quebec is a pain I’ve heard. So when I came home I went to ER for X-ray. Was casted and referred to hand clinic. Had surgery, 3rd temporary cast. Back to doctor again and now have fibreglass cast. But fibreglass casts aren’t covered so I will get a bill for $15 in the mail (actual supply cost to the hospital). And my private insurance only covers drug cost, not dispensing fee( which is most of the cost). I’ll get free physio at the hospital once cast is off.