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My wife ended up on 6 months bedrest with our second child... the last 4 weeks of it was in the hospital. All the way through it I could see our family doctor and obgyn at a moments notice anytime and once we gave them the word that the pain was too bad, they got us a semi-private room at the hospital and moved her in.
The entire stay didn't cost us a dime except for my parking fees when I visited and after she gave birth to my baby, her second c-section, we put the family into the van and went home. Again, it cost me parking.
Any time anyone in my family needs a doctor, we see our family doctor that day.
That's not to say that I haven't heard my share of horror stories about having to wait. I just haven't seen it personally but we other than my boy's being born, we haven't had many huge medical issues.
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