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In the States you are responsible for your medical expense unless your employer pays 100% of your monthly health care charges.

The average doctor's visit may run up to $200, and house calls (consultations at your home) are virtually unheard of.

Emergency room visits in a hospital can be as much as $1000 and the average birth costs $20.000 for a regular delivery with a hospital stay of 2 days or less and $30.000 for a caesarean.

Hospitals will only treat you after you've presented your social security number and insurance information.

In case of emergency call 911 from your cell phone, land line or payphone and you're advised to make this call first before contacting friends or family for every second counts in an emergency.