I had a weird virus just before Covid. The clinic at school called an ambulance (it was really embarrassing because they had to get the security man to help pick me off the floor covered in sick). I was semi conscious but I could hear them all the way negotiating with the hospital about if my health insurance would cover etc. We have good insurance and it didn’t cost me anything, but this will be the future in the uk if they let the NHS go to tit- people will have a basic no frills insurance and will copay on everything- ambulance, bloods, hospital gown, consultation fee etc etc.
(Yeah it was maybe Covid- it was Oct 2019)