Rob Stock shares a personal 'wait or pay' story - starting with these telling words:
"Do you have health insurance?"
Chilling words you never want to hear from a doctor.
They always come just before he or she tells you how long you'll have to wait for your tests or treatment, if you don't.
This article on Stuff.co.nz discusses the 'wait or pay' dilemma people are often faced with when in need of some medical tests or treatment.