[colpabar]

>free of charge

As an American it is absolutely astounding to hear about things like this. My girlfriend fell off her bike last year and needed stitches and before we let the doctors at the hospital do anything, we were on the phone with her insurance agency to try and figure out the cheapest way to get them. Of course we had no idea what it would cost in the end, so we had to worry for the next few weeks until we got the bill.