Glad to hear you got it sorted. Here in the States if you were uninsured, the timeline would have been as soon as someone could afford the 20k for the operation, and probably 2k in followup costs and prescriptions. If it was something major, like heart surgery, anywhere from 40-100k depending on the problem. That's why they want the public option, so people don't have to go bankrupt to save their lives.
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