The good thing is that treatment at an A&E department in England remains free for all - even those from overseas.
Not true in our case. We were sent a bill for $1,000. Our insurance paid us back. We felt it was good value for all the work the medical staff did.
For the rest of the story, the people involved in this entire episode were AMAZING. After the fall, a group of cyclists on an evening ride stopped to help. Since my wife's shoulder comes out from time to time, I thought I could put it back. But this time it was a total separation. The cyclists stayed with us and provided support during my feeble effort and her increasing pain.
When it became apparent she needed medical care, they called the police and the ambulance. The police were not allowed to put her in their car. The ambulance unfortunately was slow and would not predict their ETA. (The only part of the medical service that I thought was below par).
A person driving by, offered to take us to the hospital, about a 45 minute drive to the new emergency hospital. Upon arrival, they took her right in without asking for insurance as would be typical in the USA. They captured my passport number which apparently allowed them to send the invoice. A team worked on her and with major force and put her shoulder back in place. In the meantime, the police took our bikes/stuff back to the station for safe keeping.
We then called our Warm Showers host to tell them the story. They offered to fetch us from the hospital which was about 30 minutes one way. The next day we picked up our bikes which the police took care of including all of our stuff. My wife recovered enough with one extra day of rest thanks to the great hospitality of our WS hosts. And we finished our trip.
We remain grateful for the kindness and support!!!