You have the right to access all aspects of healthcare that include preventive, curative and even palliative care. That means ready access to facilities in your locale or elsewhere, whenever the need arises. If facilities are unavailable, inaccessible or inadequately stocked and staffed, you need to be asking several questions to those responsible. If seeking care in the private sector, you have the right to select your preferred healthcare providers. Your insurer should not bully you into pre-selected facilities.