Thanks to an emergency that resulted in an unexpected surgery, I have reached my health insurance maximum out-of-pocket expense. For those with sane healthcare systems, it basically means that I will not be charged for any additional healthcare I receive for the rest of the year as long as it's covered (i.e. no cosmetics or "just for funsies"). I'm expecting a $6,000 bill in the mail, so I'm looking to take as much advantage of this as I possibly can, starting with some minor issues that I've been sitting on for a while.

I'll have to ask my doctor for their referral for anything, but I was wondering if there were any preventative healthcare services I should specifically ask for? I'm already going to be making an appointment for a regular physical - something I'm ashamed to say that I don't regularly do. I'm going to ask the doctor this same question but I figured I'd come up with a checklist just to make sure I don't miss out on anything.

Strap in folks, this is a fun one.

Yesterday at around midday my almost 75 yr old Pa started feeling extremely fatigued, weak all over, hot and, in his words, very odd.

He rang my sister who lives 5 minutes away, she got there and immediately called an ambulance. They were there in sub 10 minutes and checked him over. He couldn't even walk in a straight line. They took his blood pressure and it benched 199/98. They said he had a possible stroke and needed to go to A&E (ER for my US friends). Not living more than 10 minutes from the local Medway Hospital (major hospital) they went there. It took 3 hours to get to being triaged. The time was 4:30pm when they're told that the closest Stroke clinic is Maidstone hospital, 40 minutes away at rush hour.

On the way out, they saw the paramedics that had been out to respond and they called ahead to Maidstone Hospital so he was on record. That did nothing. When he got there, it took another 2 hours for them to do another triage, then another 2 to do blood work. Then the stroke unit refused to take him stating that they didn't think it was a stroke. After politely arguing the case my sister had to remind them to do his blood pressure again. At this point it had come down a little. He is still really weak and couldn't hold a cuppa without spilling it.

Eventually they relented and did a CT scan. When they checked the results they said it wasn't a major stroke but could have been a posterial stroke which wouldn't show. They couldn't do anything else there and should go back to Medway. At this point it's midnight. At 1am, my sister is checking my dad back into Medway A&E. 1.5hrs later they're through reception and sitting in waiting room 3 with 29 other people. I headed down at 5am to relieve my sister. Between 5am and 11am they took his blood pressure twice and we waited in the waiting area with everyone, my usually fit and healthy dad in a wheelchair. He's exhausted, had no sleep and was genuinely scared, which he never is.

It took until 2pm to see a doctor and we had to put in an official complaint to the nurses liaison team about the handling to even get that far. An hour later and then he saw a consultant who gave him a thorough check.

Concerned, the doctor said he wants an MRI scan performed, but to do this he was being made an outpatient and sent home. He would get an appointment and come back in the next few days. Why? Because if they admitted him he would join the inpatient side and they have 1 MRI scanner. He may not have been seen for up to 2 weeks and would simply be taking up a bed. As an outpatient the team has 3 MRI scanners and he will be seen quicker, plus less likely to pick up an infection from the hospital. It took another hour and a half after this, plus chasing the team to get them to take bloods and remove his cannula so he could go home.

Sorry for the long read, but how backward and broken is this system?

They still don't know if it was a stroke or a brain degenerative issue, all we know is he is home, cannot look after himself or my disabled mother and the whole situation sucks.