Please author try to cut ur explanation on some matter short. U have a Golden Egg like story. Stop beating around the bush... Make all explanations and flash back short... Allow the flow to another scene not too much talk.
Question: Is that really how it works in other countries? Is it because they don't have insurance? - In Germany only about 0,1% of the people have no health insurance and even then the doctors/hospitals would operate in life threatening situations first and ask about money later.
Atria25