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The Netherlands
I call my doctor, make an appointment the same day, go there, tell my story, get referred to a specialist or get meds or whatever, all covered by insurance.
Specialist: sometimes appointment within a week or 2, sometimes it takes a month. It's covered by insurance, but there's an own risk budget each year of 380 euros. So all costs up to that budget are paid by yourself, the rest is covered. But since I'm getting mental health care, I pay 380 each januari and the rest for the entire year is all covered. This year I've had a broken collarbone repaired with a metal plate with all the photos before and after, I had 2 bladder infections which needed antibiotics and I had food poisoning on holiday and intestand infection, which was all covered at home and abroad.
Insurance
I pay 180 a month. It includes dental and some extras like 9 physical therapist appointments.